Points for Normal People by Katie&#8217;s Travel Tricks

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Advertiser Disclosure: Some of the card links and other products that appear on this podcast are from companies which Katie's Travel Tricks will earn an affiliate commission. Katie's Travel Tricks is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. The content in this podcast is accurate as of the posting date. Some of the offers mentioned may no longer be available. Editorial Disclosure: Opinions expressed here are the author's alone...

S3E10: How to Earn Bilt Rewards Without a Credit Card (Step-by-Step) Jan 21, 2026

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1/21/26 Click MORE to see Ad disclosures

Today I’m walking you through a great opportunity to earn Bilt Rewards points without ever opening a credit card. For the next few months, there is a unique sweet spot where you can maximize the partnership between Bilt and Rakuten to earn points on autopilot. I’m going to share exactly how you can set up your account to turn everyday spending—and even bank account sign-ups—into valuable points you can transfer to partners like Hyatt.

We are going to dive deep into the specific steps you need to take to optimize this strategy, especially before the introductory transfer rate changes in May. I’ll show you how to stack your earnings effectively and tell you about exclusive resources our team is working on to help you earn the most. Whether you are new to points or looking for a pivot strategy, this episode gives you the roadmap to supercharge your travel points with minimal effort.

ACTION STEPS:

Note: Use our digital checklist or download a PDF of these steps here: https://katiestraveltricks.com/bilt-rewards-explained-earn-points-even-without-the-credit-card/#ktt-checklist-wrapper

Sign up for our Rakuten deal list to be notified daily of deals (through March 31) - https://katiestraveltricks.kit.com/rakuten
Create a Bilt Account: Sign up at biltrewards.com or download the app (skip the credit card application for now).
Add a Credit Card to Bilt: Link a card you use frequently (like a Freedom or Venture card) to your Bilt wallet to earn on Walgreens purchases.
Link Lyft & Bilt: Go to the "Neighborhood" tab in Bilt, select rideshare, and link your accounts. Ensure the payment card in Lyft matches the one in your Bilt wallet (ideally a Sapphire card).
Sign Up for Rakuten: Use my referral link to get the $50 new member bonus: https://www.rakuten.com/r/KMGALL29?eeid=44749
Link Rakuten to Bilt: Ensure your email addresses match on both accounts and select Bilt Rewards as your payout option in Rakuten. https://www.biltrewards.com/p/rakuten
Maximize Referrals: Refer your spouse/partner (and then have them refer you back if applicable) or family members to earn referral bonuses.
Set Up Rakuten Dining: Link your dining credit card (like a Sapphire) in the Rakuten app to earn points at local restaurants.
Install Browser Extensions: Install the Rakuten extension on your desktop and phone (iPhone) to ensure you never miss cashback. For Android, install Rakuten app.
Use Tracking Tools: Check Savewise (Pro or free) or TrackRak to see historical cashback rates and set alerts for stores you shop at often.
Check Financial Offers: Look at the "Banking and finance tools" section in Rakuten for high-value bonuses (like SoFi or Raisin).

RESOURCES:

Bilt Blog Post: Contains step-by-step instructions with screenshots for linking accounts.
Savewise: https://getsavewise.com/ Use code KTT for 20% off.
TrackRak: https://trackrak.com/
Email Alert Sign-up: https://katiestraveltricks.kit.com/rakuten
Three-Year Plan: https://katiestraveltricks.com/3-year-plan/

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S3E9: Chase Ultimate Rewards 2026 Update: New Rules and How to Pivot Dec 24, 2025

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12/24/25 Click more to see ad disclosures

It looks like it is going to get harder to keep earning Chase Ultimate Rewards in 2026, especially if you have relied on them to keep your points life simple. Chase has started limiting referrals and adding vague language to their card applications, making approval rules much less clear than the old timelines we used to count on. But don't panic—these changes just mean it is time to pivot. In this episode, I’m walking through exactly what is changing with Sapphire and Ink cards and offering specific strategies to adapt so you can still get great value and vacations out of your points.

We will cover how to stretch your current Ultimate Rewards and how to maximize earnings on the cards you already hold. I’m also sharing five possible "pivots" for your 2026 strategy. I have been using points for over 15 years and have had to pivot many times; this is just another bump in the road, and I’m here to help you navigate it.

ACTION STEPS:

Sign up for Bilt and Rakuten: If you love Hyatt points, set up these accounts soon to take advantage of the 1:1 transfer ratio available through May 15th. Here is my Rakuten affiliate link: https://www.rakuten.com/r/KMGALL29?eeid=44749
Link your accounts: Connect Rakuten to Bilt so your cashback earns Bilt points (which transfer to Hyatt).
Install the browser extension: Add the Rakuten extension to your computer and iPhone browsers to automate your earning.
Set a spending reminder: Set a notification to spend $50 through Rakuten within 90 days to trigger the welcome bonus.
Don't stress: Take a deep breath; changes are normal in the points world, and there are still plenty of ways to afford vacations.

RESOURCES:

Bilt Guide (including Rakuten) Step-by-Step: https://katiestraveltricks.com/bilt-rewards-explained-earn-points-even-without-the-credit-card/
Preferred Hotels with Choice: https://katiestraveltricks.com/preferred-hotels-with-choice-points-map/
Timeshare Presentations: https://katiestraveltricks.com/timeshare-deal/
Amex Points Explained: https://youtu.be/hSS7znSxLhw
Credit Card Shopping Benefits: https://youtu.be/Z9Hql4f5z8w

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S2E12: Why You Should Open the New Southwest Debit Card NOW (December Strategy) Dec 10, 2025

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12/10/25 Click MORE to see Ad disclosures

Usually, I focus on talking about credit cards because debit cards just don't offer enough value for travelers. But the new Southwest debit card actually surprised me—it is way more valuable than I initially thought, especially if you plan to fly Southwest even once in 2026.

In this episode, I’m breaking down exactly why I think this card is worth opening, specifically right now in December. If you’re looking for a quick win to save money on flights or push you over the edge for a Companion Pass, this might be the travel trick you’re looking for.

ACTION STEPS:

Open the Account: Apply for the Southwest debit card by December 20th (or absolutely before December 31st) to ensure your account is active to receive the 20% off coupon in January.
Set Calendar Reminders: Set a calendar reminder for January to confirm that your 20% off coupon and 7,500 Companion Pass boost points have been deposited, and to ensure you use your $35 travel credit. You should also set a specific reminder for February to transfer all your funds to another bank and close the account so you can avoid paying any additional monthly fees.
Sign Up for the Newsletter: https://katiestraveltricks.kit.com/news

RESOURCES:

Southwest Debit Card Application: southwestdebit.com
Free Companion Pass Guides: https://katiestraveltricks.com/southwestcompanionpasstrick/

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S3E8: Is the Capital One Venture X Still Worth It? Nov 26, 2025

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11/26/25 Click MORE to see Ad disclosures

I used to call the Capital One Venture X a "no brainer," but with the major changes coming in 2026, I now consider it more of a "full brainer." In this episode, I’m breaking down exactly what is changing and helping you calculate if the card is still worth the $395 annual fee. I cover the solid benefits that remain that still help to offset the cost.

I’ll also walk you through the massive new limited-time welcome offer of 100,000 miles and share critical application tips, such as why you might want to freeze your Experian credit report before applying. Whether you are a current cardholder looking for a retention offer or someone trying to navigate the new family card eligibility rules, this deep dive will help you decide if the Venture X still makes sense for you.

ACTION STEPS:

Check for Retention Offers: If you are a current cardholder, call Capital One when your annual fee posts to see if any retention offers are available.
Activate Benefits: Ensure you have manually signed up for Hertz President’s Circle and Priority Pass if you haven't already.
Evaluate the New Offer: If you don't have the card, check the limited-time 100,000 mile welcome offer to see if it fits your strategy.
Plan Purchase Protection: Decide which card you will use for items that need return protection or purchase security (Venture X is a strong contender here).
Check Eligibility: If you recently opened a Venture X, review the list of other Venture-earning cards to see if you can continue earning miles despite the new family language rules.

RESOURCES:

Venture X Guide: https://katiestraveltricks.com/venturex/
Venture X Card (my affiliate link): https://katiestraveltricks.com/portfolio-items/capital-one-venture-x-rewards/
Hertz Status Guide: katiestraveltricks.com/hertz_presidents_circle/
Newsletter: katiestraveltricks.kit.com/news
Pros and Cons of Booking Portals: katiestraveltricks.com/pros-and-cons-of-booking-through-a-bank-travel-portal/
Japan Airlines (JAL): katiestraveltricks.com/booking-japan-airlines-with-points/
Venture Miles Sweet Spots: https://youtu.be/1UjO-vHFyVA
Venture Mile Cards: katiestraveltricks.com/guide-to-capital-one-venture-miles/

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S2E11: The Best Credit Card for Airport Lounge Access (2025-2026 Changes) Nov 12, 2025

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11/12/25 Click MORE to see Ad disclosures

Finding the "best" credit card for airport lounge access is a trick question. The real answer depends on your home airport, who you travel with, and your budget. With changes to guest policies and new cards being released, the lounge landscape is totally different in 2025.

In this episode, I’ll walk you through all the options, from airline-specific cards to the big bank lounges like Centurion, Capital One, and the newer Sapphire Lounges. I’ll cover the "secret" card that still offers unlimited guests, which cards still work at Priority Pass restaurants, and help you decide which card (if any) is the right move for you.

ACTION STEPS:

Check the chart: Look at this blog post chart to see which bank lounges (Amex, Capital One, Chase) are in the airports you frequent: https://katiestraveltricks.com/best-credit-card-for-lounge-access-by-airport/
Research your airports: Go to prioritypass.com to see what other lounges, restaurants, or "Experiences" are available at your home airport and common destinations.
Target restaurants (if needed): If your airport's main option is a Priority Pass restaurant, consider the Bank of America Premium Rewards Elite or the US Bank Altitude Connect card.
Plan for the Ritz card: If you want the best guest benefits, open a Chase Marriott card (like the Boundless) and set a reminder to call and upgrade it to the Ritz-Carlton card after one year.
Do a trial run: If you're unsure, consider upgrading a Chase Sapphire Preferred to the Reserve for one year to see if you use the lounge benefits enough to make it worth it.

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Podcast Update: We're Back! (Season 3) Nov 05, 2025

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Hey everyone, sorry for the long break! The podcast is officially starting back up, but first I'm adding some much-needed updates to the end of Seasons 1 and 2 so everything still makes sense for new listeners.

For Season 3, I'm super excited to add new segments like your success stories and helping you plan trips! If you want to share your story or get help with a trip, just email nicole@katiestraveltricks.com, and don't forget to stay in the loop by signing up for our newsletter here: https://katiestraveltricks.kit.com/news

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S2E10: Southwest is Changing - Here's What to Do! Oct 29, 2025

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10/29/25 Click MORE to see Ad disclosures

Southwest Airlines feels unrecognizable with all the changes in 2025 and 2026, and while new policies have lost my trust, I'm not abandoning the airline yet. Instead, I'm tweaking my strategy to adapt, and I want to help you do the same.

In this episode, I'm digging into all the changes, from the new baggage and assigned seating policies to the breakdown of "Basic" vs. "Choice" fares. I discuss the current loopholes for extending flight credits that are expiring. We'll also do a deep dive on all five Southwest credit cards and I'll give you clear action steps to take right now to keep getting the best value.

ACTION STEPS:

Check Your Card: Log in to your Chase account and use my Southwest Card Guide to see which benefits (like EarlyBird or upgraded boarding credits) you have.
USE BENEFITS NOW: You must use any EarlyBird check-in, upgraded boarding, and the $75 Priority Card travel credit before they are discontinued on December 31st, 2025.
Update Booking Strategy:
- If paying with points, book Basic fares as one-way tickets for easier repricing.
- If paying with cash, book Choice fares to get flexibility and seat selection.
Family/Group Baggage: To get the 1 free checked bag, your entire group (up to 9 people) must be on the same reservation, and that reservation must have the cardholder's Rapid Rewards number attached.
Companion Pass Seating (for 2026): For flights with assigned seating, you must book your ticket and then immediately add your companion and select the seat next to you.
Family Seating (for 2026): Do not rely on Southwest to seat you with your children. Either book "Choice" fares or hold the "Priority" or "Performance Business" cards to select your seats at booking.
Expiring LUV Vouchers: If you have a LUV Voucher expiring, call Southwest before it expires and ask for a 6-month extension.
Expiring Flight Credits: If you have an expiring flight credit, it is currently possible to book a Choice Preferred fare and use your flight credit + pay for the rest with a Southwest gift card, and then cancel it if you want to receive a new flight credit with no expiration date.
Household Card Review: Re-evaluate if both you and your partner need a Southwest card. Since benefits no longer stack well, you may be able to save on annual fees by dropping to one card per household.

RESOURCES

Southwest Card Guide & Benefit Calculators: https://katiestraveltricks.com/southwest-card-guide/
Overview of Southwest changes in 2025-2026 - --https://katiestraveltricks.com/southwest-airlines-2025-changes-
Companion Pass Timelines and Tracker: https://katiestraveltricks.com/southwest-companion-pass-fall-2025-timelines/
Southwest Flights: Tips and Tricks for Saving Big – includes schedule change trick (Video): https://youtu.be/R38LBLT5mN8
Southwest Schedule Change Terms: https://support.southwest.com/helpcenter/s/article/options-if-southwest-changes-my-flight

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S1E22: Chase 2025 Business Card Shake-Up: New Perks, Stricter Rules & A New Card Oct 15, 2025

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10/15/25 Click MORE to see Ad disclosures

In this week's update episode, I'm breaking down all the big changes to the Chase business cards that have happened over the past year. I also cover some important new rules for getting approved for business cards and a major shift in how referrals work for the Ink cards that will require a strategy pivot for many of us.

The biggest news of all is Chase's brand new premium business card: the Chase Sapphire Reserve for Business(SM) Credit Card. It's definitely a mixed bag with its huge annual fee and high spending requirement, but for the right person, the benefits could make it worthwhile. I go through all the perks—both the ones it shares with the personal version and the unique ones like cell phone protection—so you can decide for yourself. Be sure to check out the links below for my detailed guides and benefit calculators to help you make the most of these updates.

ACTION STEPS:

Set aside 30 minutes to add all your eligible Chase cards to your Instacart account to activate the monthly credits and free Instacart+: https://katiestraveltricks.com/new-chase-instacart-benefits-how-to-maximize/
Use the online guide to see if the new Sapphire Reserve for Business card benefits outweigh the annual fee for you: https://katiestraveltricks.com/new-card-chase-sapphire-reserve-for-business
Sign up for the weekly newsletter to get updates and new resources delivered every Saturday: https://katiestraveltricks.kit.com/news

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S1E21: Chase Sapphire 2025 OVERHAUL: Is the $795 Reserve Card Worth It? Oct 01, 2025

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10/1/25 Click MORE to see Ad disclosures

Welcome to Points for Normal People!

When it comes to our favorite points programs and credit cards, change is inevitable, but it doesn't have to be discouraging! In this episode, I'm breaking down all the huge updates that rolled out for the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® card in the summer of 2025. We'll walk through everything from the new standard welcome offer and increased minimum spend on the Preferred card to the eligibility rule changes that have a lot of people confused. I'll also explain the brand new "Points Boost" feature and how it completely changes the way you redeem points through Chase Travel℠.

The biggest news is the massive refresh to the Sapphire Reserve, which now has a hefty $795 annual fee. I'll go over why my family decided to get this card again, even at that crazy price point, by breaking down how we get value from all the new "coupon book" style credits. Plus, I’ve got a fun tip for you, no matter which Sapphire card you have!

ACTION STEPS

If you are a Chase Sapphire Reserve cardholder, review the post on all the recent changes to ensure you fully understand the new benefits: https://katiestraveltricks.com/sapphirereserve/
If you have an upcoming trip and have not yet booked your hotels, try out the Points Boost feature to see if you can find any savings.
Download the GigSky app to try using it for your next trip (free with Visa Infinite or Visa Signature cards: https://www.gigsky.com/blog/up-to-3-gb-free-travel-data-with-visa-infinite-no-cost

RESOURCES

Chase Sapphire Reserve Benefits Calculator: https://katiestraveltricks.com/portfolio-items/chase-sapphire-reserve/
Use this site to activate your Peloton credit: onepeloton.com/ChaseSapphire
You must activate Your StubHub/Viagogo credit before purchase: Cardmembers can log into their account and activate the StubHub credit under Chase offers.
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