1 Million Credit Card Points By 21

Young Smart Money

My Credit Cards:

· Chase Ink Preferred

· Chase Ink Unlimited

· United Explorer

· Chase Freedom

· Chase Freedom Unlimited

One Million Credit Card Points By 21

I think you could tell by now that I’m a huge credit card nerd. Last episode, we talked about why you might want to use credit cards contrary to what others may say. I talked about how credit cards should help me build my credit file so that I could get a lower interest in getting a mortgage. If you haven’t seen that video yet, I highly suggest you watch it to get a clearer understanding of how that works. But today, I’ll be showing you the method to my madness in utilizing these nine credit cards to my advantage, particularly with the points I generate by getting and using these cards. You don’t think I just leave the cards in a drawer, right? My aim is to get one million in credit card points before I turn 22! As you may know already, I love personal finance, I love talking about it, and I love documenting the process as well for people to learn something. I think you guys will find it cool and get a lot of value out of this.

What Am I Doing With All These Points?

Counting all the points I gathered from sign-up bonuses, referrals, and spending, I have about 430K points ($8600 on 2 cents per point). That’s about halfway to the million points that I’m aiming for. Take note that I’ve been at this for about 2 years only. If you’re wondering what I plan to do with these points, I’ve actually spent some of them already. At the time of making this video, I’m actually at an Airbnb in Thailand already, planning to hop around Southeast Asia using my miles. So as you can see, I’m not stockpiling them to a million, it’s more of accumulating a million points. I believe it’s better to have fun in the process of getting to that million-point mark.

If you do want to try things out, my referral links are down on the Resources section. You could start having your own journey with cards while helping me reach my million-point goal in the process. If you’re just curious to know about more ways you could use credit cards, I do plan to do these types of videos/tutorials probably once a month, maybe updating you with my progress on the million-point goal, or giving you new strategies in terms of credit cards. So if you have any specific questions or suggestions on topics like more creative ways to earn points, redeem points, or anything about credit cards, do let me know. You could DM me on Instagram or leave a comment on my YouTube video. I’m always looking to provide you with value through the content I make. Thanks for spending time with me on this, and I hope you gained something from it that makes your personal finance skills better.