E-7: Cosmo Coitus

Jay and Mike welcome a new guest, who is a Vegas virgin, and also new to credit card points. The three of them dive into leveraging credit cards for travel and how it affects your credit score. Mike talks about opening a Wyndham Business Credit Card to get Diamond status with Caesars. Mike and Jay explain why you should never use a debit card and Jay also covers his trip to Washington D.C. flying Southwest airlines. Mike shares his vision for a new revenue stream utilizing The Cosmopolitan's famous Las Vegas balconies: CosmoCoitus.com. The trio wraps things up arguing over topics like celebrity they hate the most, best U.S. city besides Las Vegas, celebrity they would like to go to Vegas with, best month, best type of sandwich, and the most underrated rock band ever (according to Mike).

• 1:35 Jay's trip to Washington D.C. What do you look for in a craps table
• 3:14 People abusing pre-boarding on Southwest Airlines
• 5:33 Thoughts on Southwest Airlines boarding process and getting exit rows
• 6:28 Veterans Honor Flights on Southwest Airlines
• 9:02 Getting into credit card points
• 10:38 Jay's Hawaii trip on credit card points
• 11:48 Choosing an airline / airline loyalty when using points
• 14:05 Chase travel portal for redeeming points
• 16:09 Chase Sapphire Reserve Credit Card
• 17:23 USAA and AARP and programs that prey on older people / people that don't know any better
• 20:28 Opening a Wyndham Business Earner Card to get Caesars Diamond Status
• 26:10 Using credit cards and not debit cards
• 28:36 Opening lots of credit cards/how it affects your credit score/what to do with the cards after the signup bonus is achieved
• 31:47 Churning cards - closing and re-opening the same credit card to get the signup bonus again
• 32:14 Credit card denials with an 800 credit score - using business cards to get around bank rules designed to prevent churning
• 35:14 Mike brags about flying first class in lie flat seats on American Airlines using points
• 36:20 Passing credit card knowledge on to your children and jump starting their credit score
• 40:48 Credit card points accumulation comes from signup bonuses, not everyday spend
• 41:20 Having a wedding on the High Roller Observation wheel in Las Vegas
• 42:12 Mike's idea for a new revenue stream: CosmoCoitus.com
• 48:30 What is the best month?
• 49:59 What is the best Simpsons Character?
• 50:41 What is the best chocolate bar?
• 53:49 What is the best type of chips?
• 54:54 Jay's story about eating a bag of salt & vinegar chips an hour before getting his teeth cleaned
• 57:34 What is the best food cuisine?
• 1:01:57 What is the NFL team you hate the most?
• 1:02:46 What is the celebrity you hate the most?
• 1:03:35 What is the best U.S. city that is not Las Vegas?
• 1:05:57 What celebrity would you want to go to Vegas with?