What’s Included

A Personalized Credit Card Action Plan

You’ll get a prioritized roadmap built around your goals, spending, and current card lineup. We’ll organize your next steps into three simple categories:

• No-brainers: quick wins that are easy to act on
• Recommended moves: higher-value changes worth considering
• Optional ideas: extra opportunities if you want to go deeper

A Full Audit of Your Current Cards

We’ll review every card in your wallet and give you a clear recommendation for each one: Keep it, use it differently, change it, or close it.

You’ll leave with a card-by-card strategy instead of a pile of guesswork.

The Math Behind Any New Card Recommendations

If a new card belongs in your wallet, we’ll show you why.

Your consultation includes a numbers-backed explanation of when a new card makes sense, how it fits into your spending, and whether the ongoing value is strong enough to justify it. We focus on long-term usefulness, not just flashy welcome bonuses.

A Personal Spending Category Cheat Sheet

Know exactly which card to use for dining, groceries, gas, travel, recurring bills, and more.

Your cheat sheet gives you a simple, glance-able guide so you can earn more points, miles, or cash back on the spending you already do.

A 12-Month Value Forecast

You’ll receive a clear forecast showing the estimated dollar value of your recommended moves over the next year.

This makes the upside easy to see: where the value comes from, which changes matter most, and how your plan compares against the cost of the consultation. Every consultation has beaten the fee—usually by a large margin.

Curated Tools and Resources

You’ll get a handpicked list of websites, guides, and tools that are most relevant to your situation.

No need to sort through endless rewards blogs or outdated advice. We’ll point you toward the resources that actually help you stay on top of your plan.

Your Credit Card Playbook

Your consultation also includes an appendix of Nick’s best practices, tailored to your situation.

Topics may include when to close a card, when not to, what to check before applying for a new card, and how to avoid common rewards mistakes.

A Loyalty Program Crash Course

You’ll get a high-level comparison of major U.S. airline and hotel loyalty programs, including how their points and miles tend to be valued and what each program is best known for.

This helps you understand where to focus and which programs are most relevant to your travel style.

Dream Trip Examples Using Your Points

If travel is part of your goal, we’ll show you real-world flight examples using transferable points and airline programs.

You’ll see how your points could turn into high-value trips, including practical examples tied to destinations you actually care about.

A Points Redemption Playbook

We’ll map out stronger and weaker ways to redeem your points based on your best-fit credit card ecosystem.

You’ll see where your points can go further, where they usually lose value, and how to avoid leaving money on the table.