Top 4 things I swear before taking the plunge.

1. Get your finances in order

Before opening a new credit card, take a moment to evaluate your current spending habits. Ask yourself: How much am I spending each month? What are my expenses going toward? Am I able to pay off my bills in full each month, or is there something that needs adjustment?

While this step might feel like an eye roll, it's crucial. Use tools you already have access to like your monthly credit card and bank statements to track your income and expenses, and create a realistic budget. Once you understand where your money is going and what levers you can pull to adjust as needed, you can choose a credit card that helps you maximize points on the purchases you're already making.

2. Write down your travel goals

I firmly believe in the power of writing down your dreams to make them a reality. Whether making a quick checklist in your Notes app or scrawling it on a post-it on your desk, the shift of make things happen for yourself starts at this level of accountability. Whether your goal to take your mom on that trip to that place she’s always talking about or taking the steps to actualize that solo trip you’ve always dreamed, it all starts here.

3. Set realistic expectations for the time investment

Many influencers in the travel credit card space love to show off their collection of cards, but there’s a downside — advanced organization is required to avoid leaving money on the table, which often doesn’t sync with an already busy life without this added responsibility to manage.

How much time do you want to invest learning the ins and outs of different credit card programs, airline alliances, and hotel loyalty programs?

My approach is to simplify wherever possible: I focus on one travel credit card at a time with perks I’ll actually use and plenty of transfer partners for long-term flexibility. The key is to learn the benefits, commit them to memory, and maximize them with everyday spending. It really can be that straightforward.

Be honest and lazer-focused on your travel goals, and optimize for that. If you need a sounding board or get stuck, I’m always here to help and would love to help you sort through the noise.

4. Make peace with the risks and rewards

The word “credit card” often carries negative connotations, tied to debt and financial struggles. However, for the right type of person, credit cards can be a powerful tool in your financial toolkit — helping you make the money you already spend work harder for you. I'm here to guide you through understanding how to use credit cards responsibly, so you can leverage them to your advantage (and without the debt).