Although we're up to Episode 180 on Patreon feed it's been a while since we've done a No Annual Fee show. We're back today discussing things we're doing as 2022 comes to a close:



1:08 Credit card double and triple dip opportunities



3:30 Wrapping up credit card incidental usage



11:30 Credit card Q4 5x categories



14:10 Credit card milestone bonuses



16:35 Status top-off



19:40 Hotel certificate usage (lots of Hiltons seem to expire)



23:20 Buy miles in programs where yearly caps make sense



25:10 Book Amex Fine Hotels & Resorts for $200 Personal Platinum Credit



We hope this has been a great year for you in points & miles. Happy Holidays!