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Hey, it’s Jeffrey — back again!
I love traveling for free with credit card points. I'm not a hardcore churner. I don't do manufactured spend or any of the really technical stuff.
But I've earned well over 2 million points in my lifetime. I book most of my international flights with points. It's something I enjoy staying on top of — I just don't want to spend hours a week chasing offers.
The problem: the premium cards sell themselves. You already know if you want a Sapphire Reserve or Amex Platinum. But what about that random mid-tier offer sitting in your inbox? The Hilton card at 150k, the Delta Gold at 80k, some co-brand with a weirdly high bonus?
Those are harder to evaluate. So I made a prompt for it.
The prompt:
I'm considering a credit card offer and want to know if it's actually worth it.
The offer:
[Card name, bonus, minimum spend, timeframe, annual fee]
My current cards:
[List your cards and what you use each for]
Credit score: [estimated]
Optional:
- Number of cards opened in last 24 months: [number or skip]
- Typical monthly spend: [rough estimate or skip]
Please tell me:
1. Am I likely to get approved?
2. Does this card fill a gap or duplicate what I already have?
3. Will I actually use this card after the bonus, or will it just collect dust?
4. Bottom line: is this worth a hard pull right now?
Be honest if this is a pass.
What I found: The Citi / AAdvantage Platinum Select World Elite MasterCard offer I found on Doctor of Credit, one of my fave sites, might be a solid fit for me. But the Atmos™ Rewards Ascent card likely isn’t worth it since I don’t fly Alaska Airlines often and I already have many of the benefits covered on other cards.
This prompt's a little more involved, so feel free to skip the optional fields. You'll still get useful results.
Keep going? Once you've evaluated one offer, try:
"What other cards should I consider based on my current lineup?"
"Rank my current cards by how much value I'm actually getting"
"What gaps do I have in airline coverage, lounge access, or travel benefits?"
Reply and tell me what offer you're weighing.
Start your year with clarity
Written by Shane Parrish and reMarkable, this workbook helps you reflect without complexity or stress. It guides you through the past year with intention, so insights emerge naturally.
This isn’t about setting more goals. It’s about understanding what matters, clearly and calmly.
A simple reset for January. A thoughtful way to review your year.
How did you like today's newsletter?
One quick note: This newsletter is for educational purposes only and does not constitute financial advice. I'm not a financial advisor — just someone sharing ideas and tools I've found useful. Use what works for you, skip what doesn't, and always do your own research. Some links may be affiliate links or sponsored content for which I may receive compensation.