Have you ever asked yourself what the best credit card to use for my family and me is?  I get this question a lot and it is a topic I have wrestled with myself.

Today, I am talking with someone who can help all of us navigate the complexity of credit card points and rewards systems.  Spencer Howard is the founder of Straight To The Points.  Spencer has built an entire business around helping individuals and families save money on travel and go to places they never would have dreamed of.

Our conversation focuses on how to choose the right card based on individual spending habits and travel needs.  We cover the importance of having a credit card strategy, the differences between cash back and points, and the significance of paying off credit cards to avoid high interest rates.

We also talk about family travel strategies, cost-effective flight options, and the importance of choosing the right credit cards to maximize rewards.

Please enjoy my conversation with Spencer Howard.

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And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics.