Hi, I’m Harit! 👋 I help people turn everyday spending into better travel using credit card points, miles and hotel loyalty programs — without overspending, chasing unnecessary cards or making rewards more complicated than they need to be. I got into the world of points and miles a few years ago for a simple reason: I wanted to get more value from money I was already spending. That curiosity gradually turned into a serious interest in credit cards, loyalty programs, award travel and redemption strategy. Since then, I’ve spent countless hours understanding how different rewards ecosystems work and, more importantly, how to use them in the real world. I’ve used points and miles to unlock flights, hotel stays and travel experiences that would otherwise have cost significantly more — and I’m here to help you build a strategy that works for your spending and your travel goals. My philosophy: The goal isn’t to spend more to earn more points. It’s to take expenses you were already going to make — groceries, bills, shopping, travel, dining and everyday purchases — and route them intelligently through the right cards and rewards programs. Spend normally. Earn strategically. Travel better. Pay your cards in full. Don’t manufacture spending. Don’t buy things you don’t need just to earn points. And don’t pay fees unless the value you receive genuinely justifies them. What I can help you with: • Choosing credit cards based on your spending patterns and travel goals • Building a simple points & miles strategy around your existing expenses • Understanding credit card, airline and hotel loyalty ecosystems • Getting more value from cards you already hold • Planning flights and hotel redemptions using points and miles • Comparing cash vs points and calculating the real value of a redemption • Understanding transfer partners and redemption opportunities • Avoiding common mistakes that quietly reduce the value of your rewards My focus is primarily travel rewards. If your main objective is cashback, shopping vouchers or non-travel redemptions, I may not be the right person for you. I’m not a financial advisor, and nothing here should be considered financial advice. Credit cards should always be used responsibly, and you should do your own research before making significant financial decisions. If you like the idea of making the money you already spend work harder toward your next trip, we’ll probably get along. ✈️