Mike’s 2025 Credit Card Strategy: How He Plans to Maximize Points This Year

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After a whirlwind 2024 where Mike burned through 2 to 3 million points and miles, he’s shifted into a replenishing phase for 2025. His focus? Building back his stash of travel rewards while maximizing elite benefits. Here’s a closer look at how Mike plans to make that happen. 😎

Alaska Miles and Oneworld Partners

Mike’s airline strategy is laser-focused on Alaska Airlines and Oneworld miles, where his MVP Gold 75k status unlocks perks like upgrades and preferred seating.

His first move? Signing up for the Alaska Airlines Visa Signature® Card.

This card may not have stellar earning rates, but the welcome bonus and the ability to earn Elite Qualifying Miles (EQMs) through spending make it a key piece of his strategy. To supplement Alaska miles, he is channeling most of his spending toward cards that earn American Express Membership Rewards Points, which can transfer to Hawaiian Airlines and then onward to Alaska via their transfer tool.

For everyday spending, Mike uses the American Express® Gold Card to earn Membership Rewards Points on dining worldwide. Those points become Alaska miles, making it an easy way to boost his balance.

Plus, Membership Rewards Points transfer to Avios programs (like British Airways and Qatar Airways) and Cathay Pacific, providing him with tons of options for Oneworld travel (score!).

Hyatt and IHG Take the Spotlight

On the hotel front, Mike has a two-part strategy: Hyatt loyalty and IHG point purchases.

Hyatt dominates his approach because of its strong value when redeeming Chase Ultimate Rewards Points. By using the Chase Sapphire Reserve®, Mike earns generous points on travel, which he transfers 1:1 to Hyatt. Hotels like the Hyatt Place Nashville (just 3,500 points per night) are perfect for stretching those rewards.

IHG is another key player. With the IHG One Rewards Premier Credit Card, Mike gets perks like a free fourth night on award stays and an annual free night certificate. Combining these perks with purchased IHG points (often at a half-cent each during promotions) allows him to secure stays at significantly reduced costs.

For example, a Seattle hotel costing 22,000 points per night becomes even more affordable when he buys points on sale and uses the fourth-night-free benefit.

The Utility Card

For purchases outside typical bonus categories, Mike leans on the Capital One Venture Rewards Credit Card. Its 2x earning rate on all purchases adds up quickly, especially when buying points or covering niche expenses like parking or utilities. Those miles can also be transferred to airline partners for future flights!

Why This Strategy Works

Mike’s approach combines welcome offers, strategic spending, and loyalty perks to rebuild his points stash. With Alaska miles, Oneworld elite status, and flexible points currencies like Membership Rewards and Ultimate Rewards, he’s set up for success. Add in IHG’s cost-efficient points system and Hyatt’s unbeatable value, and it’s clear this strategy can take him far—literally.

Whether booking a 4,500-mile domestic flight with Alaska or securing budget-friendly Hyatt stays, Mike’s plan highlights the power of credit card rewards when used strategically.

Keep Earning Simple

Mike’s plan for 2025 is proof alone that you don’t need a wallet full of cards to travel the world. A few well-chosen credit cards paired with clear goals can help anyone achieve their travel dreams—without breaking the bank (which is quite literally the point of Daily Drop). 😊

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