In the two years my husband and I lived abroad in the US, we earned 1.5 million points and miles.
Redeemed 44 flights and 4 hotel stays. Trips we would never dream of paying full price.
The cash equivalent of all of that? $81,974.
But here’s the part nobody tells you about becoming a serious points hobby person.
The more cards you have, the more overwhelming it can feel to keep track of all of them.
Annual fee renewals.
Welcome bonus deadlines.
Card perks you forgot about.
Travel credits that reset every quarter or half year.
Free night certificates that expire quietly in your inbox.
Points balances scattered across different loyalty programs.
At some point, managing all of it started to feel genuinely stressful.
At least that’s how I felt.
So, I sat down and built a system.
One place to hold everything—Every card detail, annual fee, benefit, perk and program point balance. A simple and easy to use dashboard that told me exactly what credit or benefit I can use for my next trip, what cards to keep or cancel and whether a hotel or flight was worth redeeming.
The mental load lifted almost immediately. I stopped worrying about “missing” something, because I knew exactly what I had and could optimise every credit and benefit.
Now I want to share that system with you.
Getting more cards is easy. But staying on top of every card to get the most out of your points and miles hobby, that gets harder the more cards you have.
That’s why I built Points Hub PRO.
Points Hub PRO gives you a complete operating system for your whole points and miles hobby. Your cards, your benefits, your perks, your points and your redemptions, all in one connected Notion workspace.
No spreadsheets. No logins. No handing your account details to third-party apps.
Just a clean command centre that shows you everything you need to know about your points and miles.
You duplicate the template once, add your cards and add your perks and benefits to get started.
That’s $21 instead of the full price of $69.
This is a 5-day limited offer that ends Mon 24 Aug, 11.59pm EST.
Buying now also makes you a founding member — you lock in the launch price and get every future update, free.
Points Hub PRO covers every part of the points and miles hobby that helps you get more out of every travel dollar you spend.
Every credit card, annual fee, welcome bonus deadline, and open or close date goes into the Credit Card Tracker. You’ll always know which cards are worth keeping or cancelling, and when you’re planning to apply for new ones.
Before: a welcome bonus deadline slipped past because life got busy.
After: I can glance at my tracker and see exactly how much I still need to spend, and by when.
The Card Benefit Tracker is your system for never forgetting your credits, lounge passes or free-night certificates. You know exactly what you haven’t used before they reset. Use this to help decide if the annual fee is worth it the next time it rolls around.
Before: a $300 hotel credit expired unused.
After: I use every credit before it resets — and the annual fee is finally worth it.
The Points & Miles Tracker holds every loyalty program in one view. No account linking. No logins. Just your numbers, ready when you plan a trip.
That’s $21 instead of the full price of $69.
This is a 5-day limited offer that ends Mon 24 Aug, 11.59pm EST.
Buying now also makes you a founding member — you lock in the launch price and get every future update, free.
The Redemptions Tracker logs the trips you book with points. Watch the cash you saved add up over the year, and feel proud and excited about every booking. Come December, you’ll have a highlight reel of trips you actually took—not points saved for “someday.”
Notes & Resources is home for all your trip research, transfer partner information, packing lists, card rules, quick links, bucketlists and everything in between.
And because the points hobby is often a team sport, you can manage cards across your whole household. Solo, as a couple, or as a family. One hub for everyone.
I used a spreadsheet for years. It worked fine when we had two or three cards.
But the moment the cards multiplied, so did the credits, the benefits, the reset dates and the bonus deadlines. And a spreadsheet didn’t cut it any more. It didn’t remind me when a credit was about to expire or that welcome offer deadline was coming up in 3 weeks—especially important when life and work gets busy.
I’ve lost credits to expired reset dates more than once. Not because I didn’t know about them. Just because nothing reminded me.
💰 If one forgotten credit or one missed free night is worth more than the price of the template, it has already paid for itself.
This is for you if you:
Don’t want to link your accounts to third party apps.
Have a spreadsheet that just isn’t working for you anymore.
Want to stop missing card credits, bonuses, and deadlines.
Have multiple credit cards and can’t keep up with all the cards and perks.
Manage your points and miles hobby for your household in one shared hub.
It’s for the traveller who wants a system that’s simple and easy to use and remove all the mental overload that can come with having a lot of credit cards and using points and miles for travel.
That’s $21 instead of the full price of $69.
This is a 5-day limited offer that ends Mon 24 Aug, 11.59pm EST.
Buying now also makes you a founding member — you lock in the launch price and get every future update, free.
For years, I’ve been collecting points and miles through credit cards and everyday spending.
Not to hoard them. Not to obsess over every cent. But to redeem them for flights and hotel stays I’d never pay full price for.
Emirates first class from Houston to Dubai then to Kuala Lumpur to visit family during a holiday season.
United Airlines business class across the Pacific from Australia to the US after a trip home.
British Airways business class to Europe for a family wedding and exploring Italy for two weeks with family
And sometimes it’s a lot simpler than that. Flying economy to Seattle with friends for a road trip to Mount Rainier — because the flights were covered and the trip made sense.
Not every redemption has to be glamorous. Sometimes points just make the trip possible.
These are trips I’d do again in a heartbeat — because making memories with the people you love, while you’re fit and able, is one of the smartest ways to spend your time and money.
But here’s what I’ve learned: earning points is only half the story.
The other half is making sure you actually use what you earn and get value out of every credit card in your wallet—making every credit, benefit and annual fee work in your favour.
That’s exactly what Points Hub PRO does for me. It makes sure I’m across every card, every deadline and every perk — so nothing slips, and every trip costs us less than it could.
Fall and winter travel is coming.
This is the moment to get on top of your welcome offers, figure out what credits you can use to book your next trip and plan the trips you’re already earning toward.
→ Grab Points Hub PRO at the launch price of $21
For the next 5 days, then it goes to the full price of $69.
That’s 70% off the full price.
This launch price ends Monday 24th August, 11:59pm EST.
Buying now also makes you a founding member. You lock in the launch price and get every future update to the system.
→ Grab Points Hub PRO before the price goes up
Not sure if it’s right for you? Reply here or send me a DM on Substack. I’m happy to help you figure it out.
Your friend,
Janice
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