Easy Travel Points for Busy People

Easy Three Year Plan (Earn 1 million+ Points)

The easiest strategy of all is to take the decision making out of the cards you open and follow my Three Year Plan. I created this plan after countless requests of people wanting to not have to constantly be wondering which card to apply for next.

What You Can Earn in 3 Years
One-Person Plan
Earning points solo
1.1M+
Total Points
~$16,000+ in travel value
Year 1
313,000
Year 2
406,500
Year 3
407,000
Most Popular
Two-Person Plan
Earning with a partner
1.3M+
Total Points
~$18,000+ in travel value
Year 1
368,000
Year 2
467,000
Year 3
472,000

What's In the Plan

The Three Year Plan gives you the exact card order and timing — so you always know what to open, when to open it, and why. Here's a sample of what each year covers:

Year 1
Build Your Foundation

Start with the Chase Sapphire Preferred®, then branch into Capital One, your first business card, and an airline card. Three strong points buckets by December.

Year 2
Double Down on Ultimate Rewards

Add more Chase business cards, start tapping into household referral bonuses if you're in 2 person mode, and add your first hotel-specific card.

Year 3
Diversify and Keep Earning

Add a third flexible rewards currency (like Citi ThankYou Points), more airline miles, and another hotel card. By year-end, you'll have over 1 million points across multiple programs.

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