Level I: Credit Card Mini Course

MODULE

Breakdown

In this course you will learn all the BASICS of reward travel and how to apply it when booking a trip. 

Module One

What Reward Travel Really Is

In this section, you’ll discover:

The difference between points & miles vs cash back—and when each makes sense.

Fixed vs flexible reward programs (and why flexibility wins).

How to think in terms of value—so every point you earn stretches farther.

What “reward travel” really means (and what it isn’t).

Get crystal clear on how the world of points and miles actually works—and why it’s the key to traveling more for less.

Why credit cards are the fastest and most powerful way to earn travel points.

Module Two

Travel Hacking 101 - The Core Strategy

In this section, you’ll discover:

The details of Citi Thank You Points.

Chase Bank and their specific rules.

Here’s where it all starts to click. You’ll learn how to earn points faster, smarter, and without the overwhelm.

The ins and outs of Capital One & the rules they’ve put in place.

What rules American Express has and how they differ from the other banks.

Module Three

Protecting and Growing Your Credit Score

In this section, you’ll discover:

How your score is calculated — what really matters (and what doesn’t).

Your credit score isn’t something to fear — it’s something to understand and use to your advantage. In this module, you’ll learn how to build and protect your score while strategically opening new cards for rewards.

Proven strategies to increase your score while still earning big bonuses and opening new cards responsibly.

Common myths, busted — we’ll separate facts from fear so you can move forward with confidence.

Module Four

Meet The 4 Big Banks

In this section, you’ll discover:

BONUS: Personal vs Business Cards — understand the difference, who qualifies, and how to use each type to your advantage.

The banks and their rules — Chase, Amex, Citi, and Capital One each have their own guidelines (and quirks) you’ll want to know.

Every strong points strategy starts with understanding how each major bank works—and how their unique rules and reward ecosystems fit together. In this module, you’ll get a clear overview of all four major players that drive most reward-travel opportunities, so you can plan strategically across the board.

How to fit all four into your overall strategy — build a roadmap that lets you expand across banks over time while keeping things simple.

The strengths of each bank’s ecosystem — explore which partners, transfer options, and perks make each one shine.

Module Five

Bank Rules & Strategy

In this section, you’ll discover:

Chase Product Lines & Strategy — how to navigate Chase’s card “lanes,” 5/24 rule, and the best order to apply.

Now that you know how each bank’s ecosystem works, it’s time to put the rules into action. In this module, you’ll learn how to plan your card applications and timing across all four banks so you can earn maximum points—without the overwhelm.

Capital One Product Lines & Strategy — which cards to prioritize and how to make the most of their flexible points.

Amex’s Once-in-a-Lifetime Rule — what it really means, and how to plan applications so you don’t miss out on key bonuses.

Citi’s 24-Month Rule — how timing and card rotation can keep your earning steady.

By the end of this module, you’ll have a clear roadmap for earning consistent, compounding rewards for the next ~2 years—strategically, confidently, and without guesswork.

Module Six

Putting It All Together

In this section, you’ll discover:

Your 12-Month Roadmap — a step-by-step plan showing the order to open cards based on your goals, travel style, and preferred reward ecosystem.

This is where all the pieces come together. In this final module, you’ll take everything you’ve learned and turn it into a clear, personalized plan you can follow over the next 12 months (and beyond).

FICO Score + Current Credit Card Worksheet — assess where you stand today so you can make smart, strategic moves going forward.

Tracking Tools — simple systems to monitor points, bonuses, and progress so you always know what’s next.

By the end of this module, you’ll have a complete, goal-based earning strategy that runs smoothly year-round—no confusion, no wasted effort, just steady progress toward your next trip.

Bonus Module

What To Do With Your Cards

In this section, you’ll discover:

Annual Fees + Assessing Value — how to decide if a card’s perks outweigh the cost (and when it’s time to move on).

Once you’ve built your card strategy, the next question is what to do with them long-term. In this bonus module, you’ll learn how to evaluate your cards each year to keep your portfolio lean, valuable, and working for you.

By the end, you’ll know exactly how to maintain your card lineup like a pro—saving money, keeping your credit healthy, and setting yourself up for continued travel success.

Keep, Downgrade, or Close — step-by-step guidance to manage your cards strategically while protecting your credit and maximizing rewards.