Points Talk®: Your Travel Dreams, Made Possible by Points

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  194. The Best Ways to Use Chase Ultimate Rewards® Beyond Hyatt 18.08.2026 37Min.

  Are Chase Ultimate Rewards® points still valuable if Hyatt is no longer your go-to redemption strategy? In this episode, the Points Talk Squad breaks down the best ways to use Chase Ultimate Rewards® beyond Hyatt, including airline transfers, hotel options, and booking through the Chase travel portal.       The Squad shares how they're thinking about Chase points after the recent Hyatt changes, including when it makes sense to transfer points, how to take advantage of transfer bonuses, and why having multiple redemption strategies can help you get more value from your rewards. They also discuss other ways to use your points for travel when Hyatt isn't the best fit.       You'll learn how to evaluate your options, compare different ways to redeem Chase Ultimate Rewards®, and make more confident decisions with your points. Whether you're newer to Chase points or looking for more flexibility beyond Hyatt, this episode will help you understand the possibilities available.                                 You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/194           If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  193. Greece and Norway: Pam's Multi-Generational Trip on Points 11.08.2026 45Min.

  How do you plan a nearly month-long international trip with extremely different climates? In this episode, Pam shares the story behind her Greece and Norway trip, including how a simple Greece getaway grew into a much bigger adventure with family.       Pam walks through the highlights of the itinerary, from visiting three Greek islands to exploring Oslo and the Lofoten Islands. She shares what worked well, including changing flights when better options became available, choosing when Airbnb made more sense than hotels, and using points strategically without trying to force every expense onto points.        You'll hear about Pam's favorite experiences in Greece, the challenges of Norway's weather, and how Pam approached planning a large multi-generational trip. This episode offers practical ideas for building a memorable international adventure while making thoughtful decisions about where to use points and where to pay cash.                                 You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/193           If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  192. Everything You Need to Know About Avios Points with Devon Gimbel 04.08.2026 59Min.

  What are Avios and why should you care about them? In this episode, the Points Talk Squad is joined by points expert Devon Gimbel of Point Me to First Class to break down everything you need to know about Avios. You'll learn how these points work, how to earn them, and why they can be such a valuable part of a points and miles strategy.        Devon explains how Avios programs differ from other airline loyalty programs, how to transfer and use Avios across different programs, and strategies for finding valuable redemptions. She also shares common mistakes, how to think about award pricing, and ways to decide when Avios are the right choice for your travel goals.       Whether you're new to Avios or looking to get more value from your points, this episode will help you understand how this unique points currency fits into your overall strategy. You'll learn how to approach earning and redeeming Avios so you can take advantage of more flight options when planning future trips.                            You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/192           If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  191. Italy on Points: Jess's Family Trip to Lake Como and the Dolomites 28.07.2026 40Min.

  How did Jess use points and miles to plan her family trip to Italy? In this episode, Jess shares how she planned a trip to Milan, Lake Como, and the Dolomites with her family. She walks through how she booked flights and accommodations using points, and the decisions she made to create an itinerary that worked for her group.        Jess breaks down her strategy for booking flights, maximizing hotel benefits, and deciding when a vacation rental made more sense than traditional hotel stays. She also shares practical travel tips from the trip, including navigating Italy with a rental car, planning activities in the Dolomites, and how the region compares to Switzerland for families.        You'll hear highlights from the trip, including memorable stays, challenging hikes, and how Jess used points strategically throughout the planning process. From deciding where to use points to choosing when to pay out of pocket, this episode shares practical ideas for planning international trips and making the most of your rewards.                          You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/191           If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  190. Airline Co-Branded Credit Cards Deep Dive 21.07.2026 47Min.

  Are airline co-branded credit cards worth keeping alongside flexible points currencies? In this episode, Alex, Jess, and Pam break down the features, perks, and earning potential of popular airline cards, highlighting which ones deliver real value for different travel goals.       The Squad compares rewards structures, sign-up offers, and annual fees across popular co-branded cards. They also cover how to leverage elite status, companion tickets, and provide practical guidance for deciding which cards are worth holding based on your travel priorities.     After listening, you'll have a better sense of how co-branded cards can complement your flexible points currencies, which perks are genuinely valuable, and actionable strategies to get the most from your points and overall travel rewards.                     You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/190           If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  189. Hyatt Changes & Devaluation: How Are Things Looking? 14.07.2026 34Min.

  What's changed in Hyatt's award chart and how is it affecting travelers? In this episode, the Points Talk Squad breaks down the recent Hyatt devaluation and what it means for points redemptions. You'll hear their first impressions of the program after the May 2026 changes and the key updates travelers need to know.       The Squad walks through the practical impacts of the changes, including the new categories and which award nights have shifted. They also discuss their thoughts on potential future adjustments, and how to make the most of your points with the new award chart, and whether maintaining Globalist status is still worth it        By the end of this episode, you'll understand the key changes in Hyatt's program, how the devaluation might affect your upcoming travel, and tips for navigating award redemptions going forward.                     You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/189          If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  188. Traveling to Portugal with Points: Alex's Family Trip to Lisbon & the Algarve 07.07.2026 49Min.

  How did Alex use points and miles to save on her family's summer trip to Portugal? In this episode, Alex walks through her trip to Lisbon and the Algarve with her family of six, sharing how she booked flights and hotels using points, what worked well, and the experiences that stood out most.         Alex explains the strategies she used for maximizing points, navigating award bookings, and selecting accommodations that fit her family. She highlights what surprised her about traveling to Lisbon and the Algarve, including moments that made the trip enjoyable for both adults and kids. You'll also hear about the family's stop in Boston along the way and Pam's favorite highlights.        By the end of this episode, you will understand how to plan a family trip to Portugal using points, practical strategies for booking award travel, and tips Alex relied on to maximize her points and miles for her family of six.                You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/188          If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  187. Mid-Year Check-In: Points and Miles Changes 30.06.2026 29Min.

  What do you need to know about points and miles changes now that we are halfway through the year? In this episode, the Points Talk Squad walks through the most important updates, what these changes mean for your strategy, and how to make the most of your points in 2026.        The Squad also dives into practical examples of how these mid-year changes can affect your travel plans and loyalty programs. They cover updates across popular credit card, hotel, and airline rewards programs, including tweaks to earning rates, new categories, and adjustments to redemption options.        By the end of this episode, you will have a clear picture of what's changed in your points and miles programs, tips for adjusting your earning strategies, and insight into which updates may impact your travel and reward redemptions.                You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/187          If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  186. Three New Welcome Offers: Which One Is Best for You? 23.06.2026 24Min.

  Are you trying to decide which new Chase credit card offer is the best fit for you? In this episode, the Points Talk Squad breaks down three new elevated welcome offers currently available, including a rare opportunity to earn 100,000 of their favorite points.          The Squad dives into the earning potential, statement credits, bonus categories, and perks of each card. They compare the offers to show how small differences can affect long-term value and share tips for maximizing rewards when evaluating multiple offers. They also explore which offers might be the best fit based on your goals, spending habits, and priorities.        By the end of the episode, you will have a clear understanding of how to evaluate these three new Chase credit card offers, strategies for deciding which card fits best for your wallet and lifestyle, and practical guidance for making the most of the points, perks, and credits available.                You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/186          If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  185. Unpopular Credit Card Benefits We Actually Love 16.06.2026 51Min.

  Are you tired of high annual fees, confusing credits, and benefits you never actually use? In this episode, the Points Talk Squad breaks down credit card benefits that fly under the radar but can deliver real value. Alex, Jess, and Pam share the overlooked perks they actually use, as well as the benefits they think could be removed or improved.        The Squad dives into specific examples, showing how even small or uncommon perks can add up. They discuss their wishlists for dream benefits, explain how to track and use credits effectively, and share creative ways to make the more challenging or complex credits actually deliver value in real-world situations.       By the end of the episode, you will have a clear understanding of which credit card benefits are genuinely valuable, practical strategies for maximizing the perks you already have, and insight into the features that are most worth pursuing for your own wallet.                You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/185          If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  184. The Best Online Shopping Portals: Stop Leaving Points on the Table 09.06.2026 39Min.

  Are you getting all the points you could when shopping online? In this episode, the Points Talk Squad breaks down how to use online shopping portals to earn more rewards, including tips for popular portals like Rakuten. They also explain how tools like Savewise can alert you to points and cashback opportunities, so you never miss out.       The Squad walks through strategies for shopping smarter, including timing purchases, stacking offers, and comparing portals to see which gives the best rewards. You'll also learn the differences between earning points and cashback and how to decide which approach makes the most sense depending on your purchases and goals.          You'll hear real-world examples of potential earnings from shopping portals, common pitfalls to avoid, and how to identify the best opportunities without feeling overwhelmed. By the end of the episode, you'll have practical takeaways for using portals efficiently and making the most of every online purchase.                You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/184          If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/          Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  183. Travel Insurance and What to Do When Travel Goes Wrong with Lisa Jarvis 02.06.2026 47Min.

  Clarification from guest Lisa @chasingmemories.co: When using a credit card like the Chase Sapphire for trip cancellation/interruption benefits, the card generally reimburses only the nonrefundable portion of your trip that you actually charged to that card — not your full trip cost. Booking part of your trip on the card may make you eligible for the benefit, but coverage is limited to what was charged. Confirm the amount you're relying on is actually covered. Please note: credit card policies and benefits can change at any time. Always refer to your card's current Guide to Benefits for the most up-to-date information. What happens if your flight gets canceled, your luggage disappears, or you need medical care in another country? In this episode, the Points Talk Squad is joined by Lisa Jarvis, who specializes in travel insurance, passenger rights, and travel safety. Together, they break down what travelers actually need to know about travel insurance and credit card coverage before something goes wrong. Lisa shares how travel insurance works alongside credit card travel protections, including what is and is not typically covered when booking trips with points and miles. They also discuss travel mishaps, including lost luggage, medical emergencies abroad, long flight delays, and how passenger rights can sometimes help travelers recover costs after major disruptions. You'll hear practical tips for choosing travel insurance, understanding what your credit cards actually cover, and knowing what steps to take when travel plans go sideways. Whether you travel a few times a year or book frequent award trips, this episode will help you feel more prepared and confident the next time something unexpected happens while traveling. You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/183 If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/ Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/ Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  182. Points Talk Squad Takes Budapest and Istanbul 26.05.2026 1Std.

  What was it really like traveling through Budapest and Istanbul on points and miles? In this episode, the Points Talk Squad shares highlights from their latest trip, including how they booked their flights with points, the hotels they stayed at, and the experiences that surprised them most.          The Squad breaks down the full travel experience, including positioning flights, lounge visits, and comparing different international business class products. They also share their favorite activities in both cities, including thermal baths, sunset river cruises, walking tours, local food spots, and a traditional hammam experience.        You'll hear how Budapest and Istanbul compare, which activities were most worth it, and what the Squad would or would not do again. Whether you're planning a future Europe trip or just love hearing real points and miles travel experiences, this episode is packed with useful tips and entertaining stories.                You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/182          If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/        Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  181. Bilt Rewards: Card Options, Earning on Rent & Mortgage, and Program Updates 19.05.2026 41Min.

  What if you could earn rewards on your rent or even mortgage payments? In this episode, Alex, Jess, and Pam break down everything you need to know about Bilt Rewards, including the different card options, how to earn points, and how to redeem them. They also discuss how to decide if this program is worth it for you and how to choose the right card.           The Squad explains how you can earn points on rent, mortgage, and other everyday purchases, plus the various ways you can redeem them for travel and experiences.  They also dive into the important distinction between Bilt Cash and Bilt Points, and how understanding this difference can help you make the most of your rewards.          You'll hear all about the most recent updates to Bilt Rewards, including new changes and features, its potential drawbacks, and how this program stacks up against others in the rewards space. Plus, the Squad shares tips for getting the most out of your Bilt points and maximizing their value.                You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/181          If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/        Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  180. Elite Hotel Perks Without Status: The Edit vs. Fine Hotels + Resorts® 12.05.2026 35Min.

  What if you could get elite hotel perks without elite status? In this episode, The Points Talk Squad breaks down two of the most popular luxury hotel booking programs, The Edit by Chase Travel℠ and American Express® Fine Hotels + Resorts®, to help you understand how these premium credit card benefits can unlock elevated travel experiences.           Alex, Pam, and Jess compare how each program works, the perks they offer, and where the real value comes in. They walk through benefits like complimentary breakfast, property credits, room upgrades, and flexible booking options while also sharing real examples of how they've personally used these luxury hotel programs.        By the end of this episode, you'll have a clearer framework for maximizing luxury hotel programs through your credit cards, choosing the right option for your goals, and making the most of elite-style benefits without traditional hotel loyalty status.                You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/180          If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/        Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  179. Oahu on Points: A Family-Friendly Hawaii Adventure 05.05.2026 46Min.

  Are you dreaming of a family trip to Hawaii? In this episode, Alex and Jess are joined by Megan to share their experience planning a trip to Oahu, Hawaii, using points. From flights to accommodations, they break down how they made this dream vacation affordable and how you can do the same.       The Squad walks through the details of booking flights with points, including the benefits of using companion tickets for kids, and how they maximized their travel experience while keeping costs low. They also discuss their stay in Oahu, using suite upgrades and other points-based perks to enhance their family's adventure without breaking the bank.        You'll hear about their favorite family-friendly activities, from exploring stunning beaches to enjoying cultural experiences, and tips for navigating the island. Whether you're looking to experience the famous Waikiki Beach or the best local spots, this episode is packed with insights to help you plan your own family-friendly getaway to Oahu, all with the power of points.                 (Correction: We made a mistake when we mentioned that the Marriott Ko Olina Beach Club did not charge for the rollaway bed. They actually charge $20.94 per night for a rollaway bed.)       You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/179          If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/       Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  178. Visiting New York City and Chicago with Kids on Points 28.04.2026 42Min.

  What's it like to visit a big city with kids, and is it actually easier than it seems? In this episode, Alex and Jess share what it looked like to take their families to New York City and Chicago, and why these trips can be more manageable and fun than you might expect.          They walk through how these trips came together, including how they used points and companion tickets to get there and where they stayed in each city. They also share what worked well when navigating busy destinations with kids, from choosing centrally located hotels to balancing sightseeing with slower, more flexible plans.         You'll also hear real examples of what they did in each city, including Broadway shows, museums, and family-friendly activities, along with tips for getting around and making the most of your time. This episode will give you a better sense of how to plan a city trip with kids that feels both doable and enjoyable.                You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/178         If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/       Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  177. When to Cancel, Downgrade, or Keep a Credit Card 21.04.2026 37Min.

  How do you decide whether to cancel, downgrade, or keep a credit card when the annual fee hits? In this episode, The Points Talk Squad breaks down how they think through these decisions and what actually matters when evaluating whether a card is worth keeping.       The Squad walks through the key factors they consider, including how often they use the card, the value of the benefits, and whether those benefits realistically offset the annual fee. They also talk through the differences between canceling and downgrading, when each option makes sense, and how to avoid making decisions that could impact your points or credit history.      Alex, Pam, and Jess also share real examples of cards they've chosen to cancel, downgrade, or keep. By the end of this episode, you will have a clearer framework for weighing the tradeoffs and choosing the option that best fits your travel goals and spending habits.                You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/177         If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium: https://pointstalk.supercast.com/      Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  176. Pivoting When Your Trip Gets Canceled 14.04.2026 42Min.

  What do you do when your trip gets canceled and everything you planned suddenly falls apart? In this episode, The Points Talk Squad talks through what it actually looks like to pivot in real time when travel does not go as expected, and how to make quick decisions.       The Squad shares real scenarios of trips that did not go to plan and how they adjusted, from reworking itineraries to deciding when to rebook, reroute, or walk away altogether. By the end of this episode, you will see that canceled plans do not have to ruin your trip. You will hear how different approaches can still lead to great outcomes, even when things look uncertain at first, and how to stay focused on what actually matters when you are making travel decisions on the fly.           You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/176         If you're looking for even more Points Talk®, featuring the latest news in points, miles, and credit cards, behind-the-scenes insights, and a monthly Ask Us Anything episode—subscribe to Points Talk® Premium:  https://pointstalk.supercast.com       Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk® is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad
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  175. Using Points for Kids' Sports, Road Trips, and Family Travel 07.04.2026 41Min.

  What if you could cover the cost of all those road trips, tournaments, and quick overnight stays without paying out of pocket? In this episode, Alex, Pam, and Jess share how points and miles can be used for the kind of travel families are already doing, from kids' sports weekends to airport stays and visiting family.         The Squad walks through practical ways they use points for these trips, including choosing family-friendly hotels, using free night awards, and taking advantage of hotel credits that come with credit cards. They also talk about what actually matters for these stays, like complimentary breakfast, space for families, and convenience, along with how they decide when to use points, free nights, or cash.           You can find links to resources mentioned in this episode plus the transcript here: pointstalksquad.com/175         Ready to get started with NEARLY FREE travel? Click here for the exact offers we would sign up for this month: https://pointstalksquad.lpages.co/bestoffers/            Points Talk is also on YouTube! You can watch this episode here: youtube.com/@pointstalksquad         Let us know what you want to hear on the podcast by sending us a DM on Instagram: instagram.com/pointstalksquad