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97: How to Pick a Credit Card That Actually Works for You

97: How to Pick a Credit Card That Actually Works for You

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Still swiping your debit card? You could be earning serious rewards instead. In this episode, Jessica and Brandon unpack how they use credit cards as intentional tools to build value—whether that’s free travel, cashback, or everyday perks that actually make life easier.

They explain how to choose cards based on what you’ll actually use, not what sounds flashy. For Jessica and Brandon, travel rewards are the priority—like the $1,500 they saved on a family trip to Panama using points from just one card. But if your goal is cashback on groceries, covering streaming services, or maximizing gas rewards, they show you how to pick the right card to match your lifestyle.

You’ll learn:

  • How they narrow down 10+ cards to just 2-3 for daily use
  • Why choosing flexible rewards beats loyalty to airlines or hotel chains
  • How to get the most value from annual fees (and when to avoid them)
  • The starter card features that matter for beginners
  • A game-changing tip for military members to access premium perks for free

If you’re ready to stop spending blindly and start making your money work for you, this episode breaks it all down—without the jargon. Press play and learn how to pick a card that actually pays you back.

Watch this episode in video form on YouTube

To apply to be a guest on the show

You can email us at: thesugardaddypodcast@gmail.com

Be sure to connect with us on socials @thesugardaddypodcast we are most active on Instagram

Learn more about Brandon and schedule a free 30-minute introductory call with him

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Notes from the show:

Visit Straight to the Points

Follow Straight to the Points on Instagram

Follow Spencer Howard on X

Connect with Spencer Howard on LinkedIn

Kara’s Website

Kara’s Instagram

Kara’s Facebook

Kara’s YouTube

Kara’s 90 Min YouTube Rewards Course

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American Express Delta Platinum referral link

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