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Honest card reviews and the truth about earning more points.

Strategy
How to Maximize a Credit Card: Using One Big Expense to Unlock 60,000 Delta Miles
Most people think maximizing a credit card means spending more. It does not. Here is how I am using a condo renovation to unlock a Delta Reserve upgrade and 60,000 miles.
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Travel & Lounges
Portal Lounge MSP Review: Gaming, a Robot Bartender and Priority Pass Access
Real food, a robot that mixes the drinks, and a full gaming room at MSP Terminal 1. Here is what Portal Lounge is actually like, and how my Sapphire Reserve got us in.
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Fundamentals
Your points are not money, and treating them like money costs you
The same 60,000 points can be worth $400 or $1,100. What drives that gap, and the three habits that put you on the right side of it.
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Strategy
The two-card system that beats carrying six
One card for your biggest category, one for everything else. How to pick the pair, and the narrow case where a third card earns its place.
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Tell me your work, your main expense, and what you want to achieve. I will find the right card for you.
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