Points By J

Points By J travel points & money pointers ✈️💸

What travel gift will you give yourself next?
24/12/2024

What travel gift will you give yourself next?

You can never go wrong by picking a card that aligns with where you spend most
10/12/2024

You can never go wrong by picking a card that aligns with where you spend most

These discounts are the best I’ve seen available today! If you scored an amazing deal, please don’t keep it to yourself....
03/12/2024

These discounts are the best I’ve seen available today! If you scored an amazing deal, please don’t keep it to yourself.

Want the story behind any of these? Let me know 🤍 11. You actually have to invest your IRA, not just deposit money into ...
21/10/2024

Want the story behind any of these? Let me know 🤍 11. You actually have to invest your IRA, not just deposit money into it…

Snapped this on vacation, but need this reminder every day.
20/09/2024

Snapped this on vacation, but need this reminder every day.

What has been the best points deal you’ve snagged for a Euro trip? Any other tips?
05/09/2024

What has been the best points deal you’ve snagged for a Euro trip? Any other tips?

All daises, no oopsies ☀️
01/09/2024

All daises, no oopsies ☀️

This job requires confronting my fear of failing in public. Daily. The scarier alternative? The thought of being older &...
19/08/2024

This job requires confronting my fear of failing in public. Daily.
The scarier alternative? The thought of being older & having to wonder “what if…”

This is why I can’t shut up about credit cards. The value is wild IF you’re paying them off on-time, in-full.
05/08/2024

This is why I can’t shut up about credit cards. The value is wild IF you’re paying them off on-time, in-full.

Big travel outfit Ben-der 🇬🇧🎾☔️🧳
08/07/2024

Big travel outfit Ben-der 🇬🇧🎾☔️🧳

Another lesson I wish I’d learned in high school 💳
21/06/2024

Another lesson I wish I’d learned in high school 💳

You cannot tell how wealthy someone is by looking at them. Nice clothes & cars are not indicators of wealth. In fact, th...
15/06/2024

You cannot tell how wealthy someone is by looking at them. Nice clothes & cars are not indicators of wealth.
In fact, they’re evidence of money that person no longer has.
Money you spend on stuff can’t be invested. Most of us can’t labor our way to wealth.

Instagram vs. reality: taking a pic with 6’7” 😂
08/05/2024

Instagram vs. reality: taking a pic with 6’7” 😂

Travel smarter not harder. Doesn’t a free or nearly free trip just sound better? 🛬🧳
03/05/2024

Travel smarter not harder. Doesn’t a free or nearly free trip just sound better? 🛬🧳

Should you use your credit card/loyalty points to pay for the flight? This is the easy way I figure out that answer ever...
21/04/2024

Should you use your credit card/loyalty points to pay for the flight? This is the easy way I figure out that answer every time!

Allow me to reintroduce myself. I’m a Chicago-based 30-something. In my early 20’s, investing, credit, and retirement pl...
28/03/2024

Allow me to reintroduce myself. I’m a Chicago-based 30-something. In my early 20’s, investing, credit, and retirement planning were completely foreign concepts. I was determined to figure it out.

Learning personal finance basics has changed my life. I’ve become obsessed.

I created Points By J to share my insights.

My biggest discovery? The language of finance sounds complicated, but the basics aren’t hard to grasp. Mastering them = possible.

I dream of having complete freedom to do what I want with my time. I dream of having the resources to experience all my bucket list destinations. I’ve established financial habits to help me get there faster.

If you have similar dreams, I hope you’ll follow along.

A few other fun facts:
I’m an oldest child.

I think pickles are gross.

I grew up in the smallest city in Michigan.

My 8 year old mutt, Nala, is the sweetest pup you’ll ever meet. Strangers often think they know her breed (it’s always something different!), but we have no clue.

The best part about making content is getting to connect with so many cool people (you all rock). The worst part? The haters that only seem to appear in my comments when a video goes viral 🤪

My husband is the lucky recipient of many points-funded trips. As payment, he often has to be a cameraman. I think it’s a fair trade. However, these pics were taken by the talented

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Keep the crew together 🤝 Comment “Lounge” to receive a link to learn more! #creditcardperks #airportlounge #creditcardtips

Applies to Americans, Canadians, and residents of dozens of other countries #traveltips #travel #uktravel #eurotrip

6 ways to start reaping the rewards of your Sapphire Preferred. Comment “Preferred” for more information on the card. #sapphirepreferred #chase #creditcardbenefits These opinions are my own! They’re not of any bank, credit card company, airline or hotel. Points By J may receive compensation from JPMC if you choose to support my small business by applying for a card through an affiliate link.

What question could I help answer for you in a future video? Drop them in the comments! Disclaimer: if you’re in credit card debt, please do not focus your energy on earning points. Instead, focus on paying off the debt. I’ll be here to help you learn all about points when that time comes! #creditcardpoints #creditcardtips

How to evaluate if it’s a “good deal.” #creditcardpoints #airlinemiles #pointsandmiles

Comment “guide” to receive a free 10pg PDF with another step-by-step example for how to book travel using your points. Plus, you’ll start receiving my newsletter, packed with points tips. #creditcardtips #creditcardpoints

Reliably knowing we’ll have a great meal that gives a ton of bang-for-my-buck 🧑‍🍳😘 not sponsored at all lol, I wish!! #traveltips #travelideas #restaurantreview @michelinguide

Bonus tip: if you’re getting a mortgage in the next 12 months, DO NOT apply for any lines of credit (including credit cards, car loans etc.). Reason: it will negatively impact your ability to get a good mortgage rate! #creditscore #creditscoresmatter #creditcardpoints

Less wasteful & helps me to stick to my carry-on only goals. What has been your favorite souvenir? #travel #traveltips #souvenirs #clutterfree

Food was included! What was your favorite points redemption of 2024? I wrote a blog post showing step-by-step how I booked this so you can do the same. Comment “weekend” & I’ll send it to you. #creditcardpoints #creditcardperks #miraval

Comment “lounge” & I’ll send you the best credit cards that give airport lounge access #airportlounges #creditcardperks

3 bonus tips to efficiently earn & redeem points: 1. Unless you’re a very high spender, the way you’ll earn tens of thousands of points is primarily via sign-up bonuses and being really thoughtful about which cards you open. 2. Should you get a general travel card or an airline or hotel cobranded card? For people who take a few of trips per year, you’re usually better off getting a general travel credit card that earns transferrable points. You’ll have a lot more flexibility with how you redeem those points which makes the points more valuable. 3. You can search for points redemptions on each airline’s site individually. Or, you can start your search with a points search aggregator like pointsyeah.com (then, individually search airlines that aren’t covered by that aggregator).

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