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The Points & Miles 101 Handbook

How banks turn your everyday swipes into $187 billion a year, why they'll happily hand you $1,000 to sign up — and how ordinary people flip that math and travel on the bank's dime.

Free Cover of the Points & Miles 101 Handbook

Read it right now

Sixteen pages, one sitting. You'll see the industry's own math — what your swipes are worth to a bank, why welcome bonuses exist, and the difference between the customer the bank profits on and the one it loses money to.

Open the Handbook (PDF) →
16 pages · PDF · reads in about 20 minutes
No affiliate links, no card sales, no commissions from banks — the same independence the consulting is built on.

What's inside

  1. 01
    The Machine Behind Every SwipeWhere 2–3% of every purchase actually goes — and who's fighting over it.
  2. 02
    Why a Bank Will Hand You $1,000The five-year math behind the "free" welcome bonus.
  3. 03
    The FlipThe same offer, run past someone who read the rules — a $7,700 swing.
  4. 04
    A Point Is Not a PennyWhy the same 100,000 points can be worth $1,000 or $3,000.
  5. 05
    The Five SetupsThe card structures that cover almost everyone — find yours.
  6. 06
    The LandminesApplication rules, lifetime clauses, clawbacks — the irreversible mistakes.
  7. 07
    Seven Expensive MistakesCommon, avoidable, and quietly costing real money.
  8. 08
    The DIY BillThe honest invoice for learning all of this yourself.
  9. 09
    Why I Do ThisMy story, my incentives, and the guarantee behind the work.

Read it, then find out what your numbers say

The handbook shows you the game. A free 15-minute call puts your real spending into it — your setup, your cards, in what order. No card sales, no obligation.

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