Steven, Author at Smart Points https://thedailynavigator.com/author/steven/ Master your money & travel smarter Mon, 09 Nov 2026 17:50:54 +0000 en-US hourly 1 https://wordpress.org/?v=7.1.4 https://thedailynavigator.com/wp-content/uploads/2022/06/Smart-Points-Favicon-150x150.png Steven, Author at Smart Points https://thedailynavigator.com/author/steven/ 32 32 Why Transferring Points Too Early Can Cost You https://thedailynavigator.com/why-transferring-points-too-early-can-cost-you/ Wed, 04 Nov 2026 02:58:43 +0000 https://thedailynavigator.com/?p=62841 Generally, the best strategy for earning and redeeming points with any airline is to make a handy transferable-points-earning credit card your primary tool.

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]]> The Card Ladder: Your First, Second, and Third Credit Card https://thedailynavigator.com/the-card-ladder-your-first-second-and-third-credit-card/ Tue, 03 Nov 2026 20:21:03 +0000 https://thedailynavigator.com/?p=62810 Let’s look at the first few rungs on the card ladder that will help build your points-earning core and set you up for long-term success.

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]]> How Paying Interest Can Erase Every Point You Earn https://thedailynavigator.com/how-paying-interest-can-erase-every-point-you-earn/ Fri, 23 Oct 2026 18:53:06 +0000 https://thedailynavigator.com/?p=62728 Interest is the fee banks or credit card issuers charge customers for borrowing money and not paying the statement balance in full by the payment due date.

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]]> What Are Airline Miles, and How Do They Actually Work? https://thedailynavigator.com/what-are-airline-miles-and-how-do-they-actually-work/ Mon, 19 Oct 2026 20:16:25 +0000 https://thedailynavigator.com/?p=62513 Fly a mile with an airline, earn a rewards mile. From there, once you had enough, you were free to redeem them for flights, upgrades, and whatever else the carrier saw as fair game.

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]]> Are Points Really “Free”? The Hidden Cost of Rewards https://thedailynavigator.com/are-points-really-free-the-hidden-cost-of-rewards/ Mon, 21 Sep 2026 22:05:49 +0000 https://thedailynavigator.com/?p=62189 Let’s take a look at the areas where your costs are eating into those “free” flights and put money back in your pocket

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]]> Stay Longer, Spend Fewer Points: How Free-Night Award Perks Work https://thedailynavigator.com/stay-longer-spend-fewer-points-how-free-night-award-perks-work/ Thu, 17 Sep 2026 22:53:41 +0000 https://thedailynavigator.com/?p=62125 Check out this article for the best ways to maximize your hotel points and free nights with the programs that allow it.

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]]> The Citi / AAdvantage Executive Card Just Got a Major Refresh https://thedailynavigator.com/the-citi-aadvantage-executive-card-just-got-a-major-refresh/ Wed, 16 Sep 2026 23:23:25 +0000 https://thedailynavigator.com/?p=62017 It has added new statement credits, boosted earning rates, thrown in new hotel and rental car perks, and more!

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]]> Annual Fee vs. No Annual Fee: How to Decide https://thedailynavigator.com/annual-fee-vs-no-annual-fee-how-to-decide/ Mon, 14 Sep 2026 20:56:58 +0000 https://thedailynavigator.com/?p=61826 Here are the big questions you should be asking yourself when deciding between a card with an annual fee and one without.

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]]> Capital One Venture X Lounge Policy, One Year Later: Was It Really That Bad? https://thedailynavigator.com/capital-one-venture-x-lounge-policy/ Thu, 13 Aug 2026 19:56:09 +0000 https://thedailynavigator.com/?p=60347 In June 2025, the issuer announced a sweeping overhaul of the lounge benefits attached to the Capital One Venture X Rewards Credit Card

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]]> Atmos Rewards: Complete Guide https://thedailynavigator.com/atmos-rewards-complete-guide/ Fri, 07 Aug 2026 21:01:39 +0000 https://thedailynavigator.com/?p=60254 Let’s take a deep dive into Atmos Rewards, including the nitty-gritty surrounding its recent merger with Hawaiian.

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