Interview with Barry Choi - Credit card guru on maximizing rewards

[0:00] Intro 

[2:15] How did you become a personal finance and travel expert? 

[3:03] Education on personal finance is a big factor

[4:00] What credit cards are in your wallet, Barry?

[5:00] What credit cards are in Tyler’s wallet?

[5:52] Most travel rewards credit cards are pretty good

[7:00] How often should you change credit cards? 

[8:05] What’s in your wallet, Hyder?

[8:40] Don’t be scared to have more than one credit card

[9:45] What advice would you give to someone looking to get their first travel rewards card?

[10:30] On TD Travel Rewards cards and using expediafortd.com

[11:10] What are the most flexible travel rewards cards to travel on any airline?

[12:54] What’s your most memorable trip you’ve done on points? 

[14:00] The basics of getting a credit card  - what is your advice for someone looking for a travel credit card? 

[15:45] Barry manages 14 different credit cards

[16:40] What is the best bang for your buck travel destination? 

[18:00] What is the best time to book to save money on travel?

[18:40] What websites should you sign up for to save on money on flights? 

[20:05] Where do credit card rewards stop? Is the credit card game over?

[21:21] Credit card rewards are only worth it if you’re paying your balance off in full 

[21:50] Trying to understand terms and conditions is too complicated. Low interest and balance transfer cards should be looked at. 

[23:00] Do you bring all 14 credit cards with you, Barry? - How to maximize your rewards earnings

[24:15] Money Messups Segment - lost credit card points, spending too much on coffee, saving money by repairing a tire yourself, switching credit card for your benefit

[27:30] Credit card switches are valuable, call your bank, read the fine print

[28:13] Any closing thoughts from Barry Choi - Travel doesn’t have to be expensive. Everyone should experience travel. Don’t always say you’ll do it later

[28:41] Shower thoughts with Tyler

[29:00] Round table with Justin, Tyler, and Hyder

[29:15] How has your perspective changed with credit cards?

[30:51] How many credit cards does Justin have? 

[31:54] The 2 most important things with credit cards

[33:00] What are some big credit card lessons you’ve learned?

[35:45] Credit Card rewards are not for everyone

[36:43] Our Credit card guru, Hyder with credit card stats and closing thoughts

[36:43] 70% of people in the US who asked to have their fee waived, got it. 56% of americans who asked for a lower interest rate got it. 

[37:06] You can earn rewards on debit cards and apps like Mylo. 

[38:05]  Hyder, our credit card guru with final thoughts

[39:58] Outro