Hey listeners, it’s Alex, and you’re tuned in to Credit Card Hacking 101: Maximizing Your Points.

Let’s jump straight into what’s hot in points and miles this week. The Points Guy is tracking a wave of year-end offers, including big welcome bonuses and targeted statement credits on major travel cards, especially for hotel stays and cruises. If you’ve been sitting on an Amex or Chase travel card, log in and check your “offers” tab right after this episode; there are stackable credits on things like Marriott, Wyndham, Vrbo, car rentals, and even cruises that can turn regular holiday travel into a mini rebate factory.

On the cash-back side, Frequent Miler reports that SoFi just announced the upcoming SoFi Smart Mastercard for SoFi Plus members, advertising unlimited 5% back on groceries with no cap. That’s huge for families who spend heavily at the supermarket, but remember: the $10-per-month SoFi Plus fee effectively eats into that return. If you don’t spend a lot on groceries, a no-fee 5x option like Citi Custom Cash in a capped category might still be the better play.

For airline and status fans, Atmos Rewards continues to push its Ascent Visa Signature card, which TPG recently covered. The key angle: Atmos points are now being valued around the mid–1-cent range and tie directly into Alaska and Hawaiian Airlines, with preferred boarding and inflight discounts. If you’re West Coast–based and loyal to those carriers, that combo of earn plus perks can quietly outperform a generic cash-back card.

Now, let’s talk tech. The big AI news in our space this week is the rollout of enhanced card-matching and trip-optimization features in several popular award tools. A notable example is the updated CardPointers-style apps that now use AI to analyze your existing wallet, real spend, and current sign-up bonuses to recommend the exact next card and even where to use each card in real time. These apps plug into your accounts, read the latest bonuses and issuer rules, and then push notifications like “Use this card at the grocery store today for 5x” or “You’re 200 dollars away from locking in that 80,000-point bonus.” If you’re overwhelmed by juggling categories and offers, this kind of AI assistant is becoming a must-have.

Quick listener story of the week: one listener wrote in after stacking a Chase travel portal hotel promo, a targeted Amex-style statement credit at the same chain, and a seasonal hotel points promotion. They booked a three-night city break, paid with a card that gave a bonus through the bank’s portal, triggered a $100 statement credit, earned triple hotel points, and then used those points for a free night next month. Net result: roughly four paid nights’ value for three nights of cash outlay, plus elite credit. The lesson: always look for three layers—issuer promo, portal or OTA promo, and program promo.

Let’s wrap with Pro Tips This Week:

First, beginners: if you don’t have a solid starter card yet, look at no-annual-fee options with strong welcome bonuses and easy spend requirements, like the current wave of $200–$300 bonuses on everyday cards such as Chase Freedom Unlimited and similar competitors. Focus on hitting that first bonus, then worry about advanced tricks later.

Second, for intermediate and advanced enthusiasts: do a “year-end audit.” Check all your travel cards for credits that expire December 31—things like travel credits, hotel credits, rideshare credits, and dining offers. Also, verify how close you are to elite status and free night or companion thresholds. A strategically timed grocery run or gift card purchase on the right card could push you over the line.

Third, for everyone: pair any new AI-powered card optimizer with a clear goal. Tell the app, “I want a Europe trip in business class in 18 months” or “I want free domestic hotels for summer.” Then evaluate every bonus and spend choice against that...