🚨🚨HIGH VALUE CARDS I RECOMMEND TRIPLE DIPPING WITH.

**If you were considering applying for one of these cards in the near future, these few weeks in December are THE MOST value packed time to do so!

(one year of credits…versus THREE!)

💳 American Express Platinum Card®

💳 The Business Platinum Card® from American Express

💳 Chase Sapphire Reserve®

💳 Sapphire Reserve for Business℠

💳 Citi Strata Elite℠ Card (only available via public offer)

Applying for new cards via my links directly supports my work- thank you!!

What is “triple dipping”?

Triple Dipping in the points and miles world essentially just means paying ONE annual fee (with strategic + specific timing)…but getting to use the annual credits THREE times 🤯🤯

***December is the ONLY time you can use this strategy…so stay tuned because its a wildly valuable one you’ll want to jump on quickly if you’re a little further in your points + miles journey!

Here’s the 50,000 foot view on how this works:

1️⃣ You sign up for a high value card with a BIG welcome bonus in the first week or two of December

2️⃣ You immediately use the calendar year credits (expiring December 31st of that year!)

3️⃣ January 1st rolls around, those credits renew, and you use then AGAIN (anytime in that calendar year)

4️⃣ Your 2nd annual fee posts in that first 1-2weeks of December again

5️⃣ Within 30 days of the annual fee posting, use those yearly calendar credits a THIRD time (!!!) in early the following year before downgrading the card

If you can time your application around the middle-ish of December and use those credits – this strategy is GOLD to get 3x+ value out of just ONE annual fee!

(and that’s not even including the already crazy juicy welcome bonus!!)

What cards does this work best for?

1. ➡️ Cards that have a large, worthwhile welcome bonus (this is just the icing on the cake though!)
2. ➡️ Cards that have CALENDAR year credits (not card anniversary credits)

BEST TRIPLE DIP CARDS:

Although, these cards offer many calendar credits (some more than others!), I am highlighting below the credits that REALLY make the triple dip strategy worth your time!

💳 American Express Platinum Card®

*If you don’t have the American Express® Gold Card, I would make sure to go for that one first due to AMEX family language rules!

• $600 Hotel Credit ($300 semi-annually: Fine Hotels + Resorts / The Hotel Collection)
• $200 Airline Incidental Fee Credit (calendar year)
• $200 Uber Cash ($15/month + $20 bonus in December)
• $200 Hilton Credit ($50/quarter)
• $100 Saks Fifth Avenue Credit ($50 semi-annually)

Annual Fee: $895 (Rates & Fees)

💳 The Business Platinum Card® from American Express

• $600 Hotel Credit ($300 semi-annually: Fine Hotels + Resorts / The Hotel Collection)
• $200 Airline Incidental Fee Credit (calendar year)
• $200 Hilton Credit ($50/quarter)
• $360 Indeed Credits ($90/quarter)

Annual Fee: $895 (Rates & Fees)

💳 Chase Sapphire Reserve®

• $500 Hotel Credit ($250 semi-annually through Dec. 31; starting Jan. 1, 2026, you can pool the two credits anytime during the year with a minimum two-night stay: Edit Collection Hotels)
• $300 Dining Credit ($150 semi-annually)
• $300 StubHub and Viagogo Credit ($150 semi-annually)

💳 Sapphire Reserve for Business℠

• $500 Hotel Credit ($250 semi-annually through Dec. 31; starting Jan. 1, 2026, you can pool the two credits anytime during the year with a minimum two-night stay: Edit Collection Hotels)
• $400 ZipRecruiter Credit ($200 semi-annually)
• $100 Giftcards.com Credit ($50 semi-annually)

💳 Citi Strata Elite℠ Card (only available via public offer)

• $300 Hotel Credit (calendar year: Cititravel.com)
• $200 Splurge Credit: (calendar year: 1st Dibs, American Airlines (exclusions apply), Best Buy^®, Future Personal Training, and Live Nation)

When should I apply?

Mid-December is ideal! You basically want to time that 30 days after the 2nd annual fee posts to extend far enough into January that you have time to use the credits and then downgrade/cancel (if you chose)…

as well as not apply TOO late where you don’t have time to receive the card and use the credits in 2025!

So Ideally December 7th-21st (ish) is what I would recommend!

1. You sign up for any of these Triple Dip Cards! (By Dec 21st is ideal!)
2. You immediately use the calendar year credits (expiring Dec 31st 2025)
3. January 1st rolls around, those credits renew, and you use them AGAIN (anytime in 2026)
4. Your 2nd annual fee posts mid December 2026
5. Within 30 days of the annual fee posting, use those yearly calendar credits a THIRD time (!!!) in early January 2027 before downgrading the card

“Triple Dipping” is more intermediate strategy that can realllyyyyy squeeze the MOST travel value out of ONE sign up..the best kind of family vacation savings, amirite?!

💳 Make sure to apply during this December window (while the opportunity for 3x the value is LIVE!!)