In this episode, Dr. Danny Matta shares how clinic owners can travel—sometimes internationally—for nearly free by leveraging the power of credit card points. Whether you’re booking a snowboarding trip to Utah or sending your spouse to Europe, this guide will show you how to make it happen by using points you’re already earning through everyday business expenses.

• Put all business expenses—ads, travel, internet, phone, equipment—on a business credit card.
• Use a personal card for groceries, dining, and daily family expenses to double your rewards.
• Meet card minimum spends by timing them with large purchases (e.g., ConEd, travel, IRS payments).

• Chase Ink Preferred (Business): Great bonus categories (3x points on ads, internet, travel); low $95 annual fee.
• Amex Gold (Business or Personal): 4x points on ads or groceries; higher $375 annual fee.
• Chase Sapphire Preferred (Personal): Solid intro bonus, low fee, easy-to-use transfer partners.

• Transfer points to partners like Hyatt, Flying Blue (Air France), United, or Southwest.
• Booking directly through airline/hotel gives better value and fewer headaches during changes.
• Avoid using credit card travel portals or cash-back options—they yield less value and more hassle.

• Snowboard Trip (Park City, UT): - Flights for two: ~60k points - Hotel for 3 nights: ~54k points - Total: ~114k points for two people
• Paris Trip (International): - Flights for two on Flying Blue: ~74k points + ~$300 in fees - Huge value during peak travel season

• Free rental car insurance through Chase/Amex cards saved Danny over $1,000 in damage claims.
• Increased credit limit and credit score over time due to low utilization and on-time payments.
• Share experiences with friends/family by booking their trips with your points—great for memory dividends.

• ⚠️ Don’t carry a balance. Pay your card off each month—interest rates are 25–28%.
• ⚠️ Don’t book through Chase or Amex travel portals. Use direct transfer partners.
• ⚠️ Don’t opt for cash-back if your goal is travel—it devalues the points.

• Pick one personal and one business card to start (Chase or Amex).
• Use them for expenses you already have—ads, groceries, flights, utilities.
• Meet minimum spends during big purchases or tax payments.
• Transfer points to travel partners, not portals.
• Track and enjoy free travel—with friends or family along for the ride.

Check out the full visual walkthrough of cards, transfers, and real-time examples on the PT Biz YouTube Channel.

Owning a business is hard. Travel is one of the few luxuries that pays you back in memories. If you’re paying for expenses anyway—why not earn free trips while you’re at it?