What this does
This prompt analyzes your existing credit cards, points, airline memberships, and travel habits, then gives you the smartest ways to earn, redeem, and maximize your rewards.
Why it's useful
Most travelers waste points on low-value redemptions or overlook benefits they already have. AI takes your entire situation and turns it into a clear, customized rewards strategy — without spreadsheets or research.
Who it's for
Anyone 40+ who wants simpler, smarter travel planning; people who feel overwhelmed by reward programs; casual travelers who want better value; and anyone trying to stretch their travel budget without sacrificing comfort.
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copy the entire prompt in italics below
paste into Notepad, Word, Docs, or your favorite text editor
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paste into ChatGPT, Gemini, or your favorite AI app
run the prompt
Prompt
Act as my personal travel rewards strategist and create a simple plan to help me earn and redeem points for maximum value. Here are my details:
Current credit cards: [list your cards]
Points balances: [airline miles, hotel points, bank points]
Loyalty programs: [airline/hotel memberships]
Upcoming trips: [destinations + dates]
Travel style: [economy, premium economy, business class, hotels vs. rentals]
Budget comfort level: [tight / moderate / flexible]
Preferred airlines or alliances: [list any]
Hard passes: [long layovers, basic economy, red-eyes, etc.]
Please provide:
Best ways to redeem my current points for maximum cents-per-point value
Whether transferring points to partners would give me better deals
Flight or hotel redemptions that offer outsized value
Perks from my existing cards that I should use (lounges, credits, insurance, upgrades)
The smartest card to use for each spending category (groceries, gas, dining, travel, utilities)
Earn strategies to reach useful bonus thresholds
How to optimize my rewards for the trips I listed
A 12-month earning and redeeming plan that’s simple and realistic
A one-page summary of the best next actions I should take*
How this helps you
Instead of guessing which cards to use or wasting points on low-value bookings, you get a clear, personalized plan that saves money, upgrades your travel experience, and uses AI to handle the confusing parts for you.
