Traveling the World Affordably by Optimizing Credit Card Points with Ricky Zhang

beyond MD with Dr. Yatin Chadha

Today I host Ricky Zhang, founder of the Prince of Travel. This is a deep dive on understanding & optimizing travel rewards so that we can travel the world by spending less!
Discussion Points:
Ricky's background & the origin of Prince of Travel (3:45)
How does the points system work? (7:07)
Earning points rapidly through credit cards (11:14)
Credit score fundamentals (19:07)
Should we keep our credit cards for the long term? (22:40)
The credit card game isn't for everyone - who should avoid it? (26:54)
Other ways to rack up points at a faster pace (31:40)
The best credit card for Canadians: Amex Cobalt (32:47)
Credit cards for small business owners, why Amex points are so versatile (33:45)
Understanding the RBC Avion point system (37:04)
Redeeming points efficiently, dynamic pricing, ideal booking windows (39:47)
Example of redeeming points - Toronto to Portugal (45:26)
Prince of Travel Concierge services (50:07)
Aeroplan elite status (52:15)
How to get started (53:40)
Rapid fire, including a strong credit card portfolio (55:19)
How many credit cards does Ricky have? (58:58)
Closing thoughts (60:20)
Credit card links (cards I use & benefit from):
Amex Business Platinum:
https://americanexpress.com/en-ca/referral/yATINC4uFw?XLINK=MYCP
Amex Cobalt:
https://americanexpress.com/en-ca/referral/yATINCwb0U?CPID=999999538
Social media links & email:
Yatin:
[e-mail]
https://www.linkedin.com/in/yatin-chadha-29074b109/
Ricky:
https://princeoftravel.com/
https://www.youtube.com/@PrinceofTravel