Dr. Jimmy Turner sits down with Jess Borquez, creator of Points by J and wife of an OB-GYN physician, to talk about how medical families can use credit card points to travel more without spending more. Jess left a corporate tech career to build a business helping people maximize credit card rewards, and she's grown her Instagram following to over 200,000 in the process.

In this episode, Jimmy and Jess cover why transferring points out of your credit card's travel portal gets you dramatically more value, how to audit your existing cards to make sure you're actually using the perks you're paying for, and why opening multiple credit cards doesn't destroy your credit score (as long as you're responsible). Jess also shares how she and her husband redeemed 209,000 points for a $13,000 stay at Miraval Arizona, and how they enjoyed over $35,000 in free travel to Hawaii and Japan in a single year.

They also discuss the current credit card landscape, including record-high signup bonuses, recent Hyatt point devaluations, and why now is a particularly important time to stay plugged into your points strategy.

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Key topics: choosing a general travel card vs. co-branded cards, the credit card audit spreadsheet method, downgrading vs. canceling cards, booking 11 months out for peak travel dates, the "Plan B refundable fare" hack, and free point search tools like PointsYeah.com, Roame.travel, and MaxMyPoint.com.

Links mentioned:

Points by J on Instagram: @pointsbyj
Website: pointsbyj.com
Email: jess@pointsbyj.com
Free point search tools: PointsYeah.com, Roame.travel, MaxMyPoint.com

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How to Turn Credit Card Points into Free Travel (With Points by J)

Money Meets Medicine