Point Me To First Class

190. Mind the Cap: How to Avoid Dropping From 5x Points to 1x

Point Me To First Class

Show Notes

There's a good chance one of your best rewards cards quietly stopped paying its full bonus rate months ago, and never said a word about it.

It's called a bonus category spending cap, and more of the cards you carry probably have one than you'd expect. These limits are one of the quietest ways to leave points on the table, and they catch even seasoned points travelers off guard.

In this episode, I walk through which popular cards have these caps and which don't, how to tell whether you're close to hitting one, and what to do when you are, because there are more ways around a cap than most people realize. The goal isn't to collect more cards for the sake of it, it's to keep the money you're already spending earning at the rate you signed up for. If you've ever picked a card for one great category and funneled all your spending to it, this episode will help you make sure those points are still landing where you think they are.

Get full show notes and transcript: https://pointmetofirstclass.com/credit-card-spending-caps

Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

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