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

Please remember to subscribe, rate, and review.

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

Chase Sapphire Preferred referral link

Capital One Venture referral link

Capital One Quicksilver referral link

American Express Platinum referral link

American Express Delta Platinum referral link

American Express referral link

Discover IT referral link

What if luxury travel wasn’t just for the 1%? In this episode, travel rewards expert Spencer Howard reveals how everyday spending can unlock first-class flights, champagne service, and global adventures—without going into debt.

You’ll learn:

• The 3 strategic approaches to credit card rewards (and which one fits your lifestyle)
• How to maximize point value by avoiding the biggest rookie mistake
• Why premium cabins aren't just comfortable—they’re career-building

Whether you're a points newbie or a seasoned collector, Spencer breaks down exactly how to travel better, smarter, and often for (almost) free. This isn’t your average “use a travel card” advice—this is the real playbook.

Ready to upgrade your next trip? Press play and get started.

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

Please remember to subscribe, rate, and review.

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

Think your credit score is just a number? Think again. In this episode, Jess and Brandon break down the five key components of your FICO score—and why they matter more than you think.

Learn how to:

• Boost your score with smart, strategic moves (not guesswork)
• Avoid the myths that hurt more than help
• Protect yourself from identity theft with simple, overlooked security steps

Your credit score doesn’t define you—but it does impact your financial options. Tune in to take control of your credit and open doors to better rates, approvals, and opportunities.

Visit prenups.com/sugardaddy to learn more about fair prenups that help couples plan for a healthy financial relationship.

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

Please remember to subscribe, rate, and review.

Notes from the show:

Experian

Equifax

Transunion

Free Credit Report