Free tools
Templates that keep the plan straight
The spreadsheets and checklists behind the strategy — application timing, minimum spend, and award deadlines in one place.
Hotel Point Valuations: What a Free Night Actually Costs
How many points a free night takes at Hyatt, Marriott, Hilton, IHG, and Wyndham — plus what each point is worth, the cash rate it replaces, and which chains still charge resort fees on award nights.
DownloadThe Transfer Partner Cheat Sheet
Every hotel and airline transfer partner for Chase, Amex, Capital One, Citi, and Bilt points, with ratios, alliances, and the rules I follow before I transfer.
DownloadThe Two-Card Starter Checklist
The order to open your first two cards in, what to do in the first 90 days, and the mistakes that cost people their welcome offer.
Get it freeThe Companion Pass Planner
A spreadsheet that tells you exactly how much you need to spend, and by when, to earn the Companion Pass for next year.
Get it free