My Credit Card Hacks/Tips and Tricks of 2018

Hello Heros!

As a self-proclaimed credit card GURU, I have had over 8 credit cards this past year (2017/2018). Yep 8, that is a hell of a lot!

I may not be the most credible GURU, since I did just start playing the hack game back in early 2017. But I do know a thing or two.

So you may ask, why the f**k do you have so many credit cards and why isn’t the credit bureau breathing down your neck and taking your house away. Well the great thing about all this, is that it is all perfectly legal.

Ok Sameer, so what exactly are you doing here? Well I use credit cards and their points for FREE trips!!!! Yep FREE!!!

So what’s the deal with these points and where do I start?

My favourite credit cards are by American Express. They have the best welcome bonuses and the easiest way to actually use and accumulate points.

The card I started with was the American Express Business Platinum, now there are both pros and cons to this card and it may not be for everyone. But, if you have some big purchases coming up and your merchant accepts Amex then start here. Now you don’t own a business? That is perfectly fine; Amex Personal Platinum is equally a great card.

For a lower spend and smaller but great benefits the Amex Gold card is also an option.

If you decided to go balls deep, and sign up for the Amex Platinum, then you will love the benefits, especially if you are an avid traveller. First off, you get access to most airport lounges, and this is now a must for Filipa and I. Why wait in a terminal for 2-3 hours, when you could recline in the airport lounge with free grub and booze.

You also get some amazing insurance options, you get it all; travel insurance, baggage insurance, flight delay insurance, and a cool one is product purchase insurance. Basically they’ve got you covered. No need to buy any additional insurance when travelling, unless maybe you’ve got some crazy ass disease that no one will cover (hopefully not).

The Amex Business Platinum has also teamed up with some other big brands in the hospitality realm. So when you sign up, you automatically get upgraded to Gold membership at both SPG and Marriott hotels. This is amazing because if you were just a mere civilian it would take you 25 nights a year to maintain a gold status, but with this card it’s included. The perks of having gold at these hotel chains are free upgrades, breakfast, free WI-Fi, 4pm late checkout and bonus points.

With the Amex Personal Platinum you get a $200 travel credit annually, so you book a hotel or flight through the Amex Travel Portal and within 2 business days you receive they credit on your statement.

Also, if you fly with Delta, you will also be eligible to upgrades and preferential boarding.

All in all, this card has it all and if you’re always travelling like us, then it makes sense.

Now like every pro there is a con. The Platinum Business just changed their annual fee to $499. Now you may be thinking, WTF!! I read all this and now you tell me it’s going to cost me $499. Hold up, yes it does have a steep annual fee but in addition to all the benefits I listed above, you also get 60,000 Amex points as a welcome bonus. Now these points at minimum would be worth $600, if you learned a few tricks and trips, they could be worth double if not triple. So at minimum $600-$499 = you’re still up nearly $100 just by signing up for this card. AMAZING!!!

If you go for the Personal Platinum then the annual fee is $699, but with the 60,000 points and the $200 travel credit, you’re still up $100. So win win!

Ok so how do you grow your point balance? If you’ve got some friends and family that want to get into the point game, then that would be your best place to start. Referral bonuses under the Amex Business Platinum are 15,000 points. So for every referral that signs up, you get enough points for a short-haul national flight. Crazy right! But true…

Now if I’ve convinced you, remember to sign up with this link to get your 60,000 points. Yes, I do get a referral bonus, but we’re all friends and some of you my family. If you don’t sign up with this link, you only get 40,000 points, now that is not nearly as fun nor does it cover your annual fee.

Plus, if you guys have any questions or concerns you can always contact me. I am more then happy to help.

Happy shopping, and safe travels!


Instahusband out,

Sameer @playingwithapparelmen



  1. April 26, 2018 / 11:31 am

    I love travel cards. I had the AMEX gold in Canada and it was my favourite. The point system is great and the insurance covered EVERYTHING from illness, accident and death, baggage loss, trip cancellation and everything for under $100 Canadian annually. The cards just aren’t as good in the US because insurance industry is so different, but there are some good cards here… but just for less than what you get in Canada… it is about $500 for a card with great perks, which sucks, but if you travel a lot then that’s fantastic and still much better than nothing if you can earn that all back in the year. 🙂


  2. April 27, 2018 / 7:11 pm

    I never looked into AMEX cards before. I do travel a lot so maybe I should be taking more advantage of cards that offer travel perks.

  3. June 1, 2018 / 11:13 am

    Girl! You make me want to go to Ireland so badly. Your photos are absolutely stunning !!!

    <3 Kristin

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