From the team behind Financial Panther · 10+ years of experience

Turn Everyday Spending Into Dream Vacations

Personal guidance, a clear strategy, and the tools to stay organized.Learn how to safely earn 100,000+ points per year and maximize every reward without spending a dollar more than you already do.

15 minutesNo prep requiredNo obligation

Meet the Team

We've Been Doing This for Over 10 Years.

Tom and Kevin overlooking Naples at sunset
Talking points and travel in Naples, Italy.

We're Kevin and Tom, the team behind Credit Card Roadmap and Financial Panther. For more than a decade, we've been deep in the world of credit card rewards—testing strategies, earning millions of points, and helping hundreds of people do the same.

We've seen what works, what doesn't, and the costly mistakes people make when they start without guidance.

We can help you get started the right way.

From Confusion to Clarity

You don't have to
figure this out alone.

You don't need more credit card information.
You need to know what applies to you.

  1. 01

    Know which card makes sense

    Recommendations based on your goals, spending, and current cards.

  2. 02

    Know when to apply

    A clear sequence that accounts for timing and issuer rules.

  3. 03

    Have someone to ask

    Personal guidance when questions or opportunities come up.

We help you start with clarity, confidence, and a plan.

How much spending does it take to earn rewards?

You may already have a rewards card. The surprise is how much everyday spending it can take to earn what one welcome bonus can unlock much faster.

Card
Typical earn mix
Spend needed to earn 75,000 points or $750
Time to earn it when spending ~$1,500/month
United Explorer Card
Typical earn mix

1x everyday2x dining

Spend to earn 75,000 points~$61,500
Time to earn it when spending ~$1,500/month~41 months
Delta SkyMiles Gold Amex
Typical earn mix

1x everyday2x dining + groceries

Spend to earn 75,000 points~$48,000
Time to earn it when spending ~$1,500/month~32 months
Chase Sapphire Preferred
Typical earn mix

1x everyday3x dining + select categories, 2x travel

Spend to earn 75,000 points~$43,000
Time to earn it when spending ~$1,500/month~29 months
Citi Double Cash Card
Typical earn mix

2% cash backeverywhere

Spend to earn $750 cash back$37,500
Time to earn it when spending ~$1,500/month25 months
Typical welcome offer
Typical offerabout 75,000 points
Spend needed~$4,000 spend
Time needed3 months

Same goal. A fraction of the spending.

Illustrative example only. Based on about $1,500/month in spending and average U.S. household spending by category. Actual earning varies by spending habits and card.

Who This Consultation Is For

This is a great fit if...

This consultation is for people who want to earn more from spending they already do, with a clear and responsible rewards strategy.

✦

Best fit for responsible credit users

This is for people who pay their statement balance in full and want to earn rewards without carrying interest-bearing debt.

✦
  1. 1

    Everyday Spenders

    For people who already put normal monthly expenses on cards and want more travel from that spending.

  2. 2

    Current Rewards Card Users

    For people already earning points or cashback but unsure whether they are getting the best results.

  3. 3

    People With Big Expenses Coming Up

    For a wedding, move, renovation, insurance bill, or another large purchase that could help meet a welcome bonus.

  4. 4

    People Who Want a Responsible Plan

    For people who want clarity on how applications affect credit, when to apply, and how to do this safely.

  5. 5

    Business Owners & Side Hustlers

    For people who want to understand whether business credit cards could fit their business or side income.

For responsible credit users only. This is not a debt-management or credit-repair service.

Our Coaching Package

Roadmap Kickstart

Two calls. One confident start.

$329One-time payment
  • Initial 60-minute strategy call
  • Follow-up call to review progress and plan next steps
  • Access to the Credit Card Roadmap app and resources
  • Roadmap Promise: if no clear path is identified, your consultation fee is refunded

No obligation. The introductory call is completely free.

How It Works

A simple path from overwhelmed to underway.

1

Book a Free Intro Call

A 15-minute call to understand your goals, explain the consultation, and show how it can help.

2

Strategy Session

We go over everything you will need to know and a sensible starting strategy.

3

Take Action

You use the Roadmap tools to apply responsibly, stay organized, and track progress.

4

Follow-Up

We check your progress, answer questions, and discuss the next logical move.

Your Roadmap tools, all in one place

Your Roadmap Kickstart package includes access to the Credit Card Roadmap app, where you can explore top card offers, review key bank rules, and keep track of every card.

Real results from people we've helped

“In my first year, I opened five cards and earned hundreds of thousands of points across several programs. Those points have already helped me travel internationally and discover how valuable programs like Hyatt can be.”

Hundreds of thousands of points + international travel

Margret

Building a multi-program points strategy

“I used to rely on one Delta card and earn miles slowly through everyday spending. After opening two new cards, I earned as many miles in four months as I had over several years.”

Years’ worth of Delta miles earned in 4 months

John

First-time business-card applicant

“I was completely new to rewards and worried that applying for cards would hurt my credit. Once I understood how the process worked, I felt confident opening both a rewards card and a business card.”

First rewards card and business card opened

Evan

From credit-wary to confident

Start with expert guidance instead of trial and error

Book a free 15-minute intro call or email us your questions, and we'll point you in the right direction.