Quick Summary The short answer: a Membership Rewards point is worth anywhere from 0.6 to over 10 cents. Our official valuation is 2.0 cents per point, placing it among the most valuable …
Phillip Rosenheinrich

Phillip Rosenheinrich
After traveling to 62 countries, Phillip knows the best trips aren’t the priciest. As the founder of Pointalize and a Munich-based IT Program Manager with over 10 years of professional experience, he has built a reputation for turning complex credit card rewards programs into simple, actionable strategies. Phillip specializes in analyzing credit card benefits, loyalty transfer partners, and stacking welcome bonuses to maximize value. His in-depth guides show readers how to choose the right cards, unlock elite travel perks, and convert everyday spending into First- and Business-Class flights for the cost of Economy.
Chase Sapphire Preferred vs. Capital One Venture X
12 minutes readQuick Summary The Verdict in a Nutshell: The Chase Sapphire Preferred is the best mid-tier card for beginners focused on travel and dining, while the Venture X is the best entry-level premium …
Refreshed Amex Platinum: Is It Worth It?
7 minutes readQuick Summary In its biggest refresh yet, the Amex Platinum annual fee has increased to a staggering $895 per year, effective immediately for new applicants. The refresh introduces several new lifestyle credits, …
How to Choose Your First Travel Rewards Credit Card
9 minutes readQuick Summary Choosing your first Travel Rewards Credit Card is the most important step to earning free travel. Focus on a card that matches your existing spending habits, not one that requires …
The Best Premium Credit Cards: A Detailed Review
7 minutes readQuick Summary The Best Premium Credit Cards justify their high annual fees by offering a suite of luxury travel perks, statement credits, and elite status benefits that can be worth thousands of …
We Tested Credit Card Concierge – Is It Worth It?
7 minutes readQuick Summary A Credit Card Concierge is not a gimmick, but its value is highly situational. It acts as a free personal assistant, best used for specific, time-consuming tasks. The service excels …
Beginner’s Guide to the Best Travel Rewards Credit Card
9 minutes readQuick Summary The best travel rewards credit card for a beginner is one that aligns with your spending habits, not one that forces you to change them. Focus on three key factors: …
The Ultimate Credit Card Stacking Guide
8 minutes readQuick Summary Credit card stacking is the art of layering multiple discounts and rewards—like shopping portals, card-linked offers, and store coupons—onto a single purchase to achieve massive returns. The foundation of any …
Rakuten Secrets: Maximize Points from Shopping Portals
10 minutes readQuick Summary The single most powerful secret to using Rakuten is to switch your earning preference from cash back to American Express Membership Rewards points, instantly increasing the potential value of your …
Why Hyatt Rewards are the Secret to Luxury Travel on Points
6 minutes readQuick Summary The Secret Weapon: The World of Hyatt Rewards program offers the most consistent and high-value redemptions for luxury hotels, making it a favorite among savvy travelers. The Key Advantage: Unlike …