If you don't play, you lose
Credit card rewards aren't a bonus game you can simply opt out of — the costs are already baked in for everyone. The only question is which side of the table you're sitting on.
You're earning next to nothing
Pay with debit or cash and you earn exactly 0%. Swipe a basic flat-rate card and you earn a measly 1% — while the right cards routinely pay 3-5x more on the same spending.
You're paying for rewards either way
Grocery stores, restaurants, and nearly every merchant raise prices to cover the interchange fees that fund rewards programs. That markup is in your bill whether you collect points or not.
Not playing subsidizes the players
Every purchase you make at rewards-inflated prices — without earning rewards back — quietly funds someone else's free flight. Opting out doesn't save you money; it just makes you the one paying for it.
See what it's costing you
Move the slider to roughly what you spend on cards each month. We'll estimate your missed annual rewards using a conservative 2-3% opportunity gap.
A simple, three-step path to more value
No jargon, no spreadsheets to maintain yourself. We do the analysis — you get a plan you can actually follow.
Fill out a survey and book a free call
15 minutes. We look at how you currently spend and earn, and show you — in real numbers — exactly what you're leaving on the table. No obligation, no pitch.
Your personalized Points Plan
A written strategy matched to your spending, goals, and credit profile: which cards to get, in what order, and how to use each one to its full value.
More money in your pocket
Watch the value stack up — cash back you actually feel, and points that find their way to flights, hotel suites, and places you've always wanted to go. We keep optimizing as the card landscape shifts, so it never stops.
Straightforward pricing, no retainers you don't need
Start with a no-pressure free call. See what you're missing, learn if it's the right fit — and go further only if it's worth it to you.
- ✓ We quantify exactly what you're missing today
- ✓ Plain-English breakdown, no jargon
- ✓ Zero obligation, zero sales pressure
- ✓ Full personalized card strategy
- ✓ Sign-up bonus roadmap, properly sequenced
- ✓ Redemption playbook for maximum value
- ✓ Follow-up email Q&A included
- ✓ Everything in the Points Plan
- ✓ Ongoing strategy optimization
- ✓ New-card timing guidance
- ✓ Redemption help for big purchases
- ✓ Priority email access
The $500 guarantee: if your Points Plan doesn't uncover at least $500 in missed annual value, you don't pay. No fine print, no hoops.
Built for real spending habits, not hobbyists
You don't need to become a points expert. You just need someone who already is.
Everyday Spenders
You're not trying to become a points expert — you just don't want to keep leaving free money on the table. We build a simple system that runs quietly in the background.
Travel Lovers
You want flights and hotel stays paid for with points, not cash. We show you which programs actually deliver outsized value and how to redeem for maximum return.
Small Business Owners
High spend on supplies, ads, and travel is a rewards opportunity most owners never capture. We help you separate business and personal strategy and stack the right cards.
High Earners
Your spend is significant enough that even a 2% gap is real money. We build a strategy that matches premium spending with premium redemption value.
Independent by design
We do not sell credit cards. We do not earn referral commissions, affiliate fees, or kickbacks of any kind from banks or issuers. Every recommendation we make is based on one thing: what puts the most value back in your pocket. That's it.
- ✓ No card sales
- ✓ No affiliate commissions
- ✓ No bank partnerships influencing advice
- ✓ Just an honest, personalized strategy
Our Guarantee
No fine print, no hoops. If we can't show you the money, you don't pay.
Questions people ask before booking
Is this safe for my credit score?+
Applying for a new card causes a small, temporary dip from a hard inquiry, and it's typically outweighed by the credit-limit and history benefits over time. We take your specific credit profile into account and sequence any recommendations to minimize impact.
Do you sell my data or share it with banks?+
No. We never sell your personal or financial information, and we don't share it with card issuers, banks, or advertisers. Our fee comes from you, the client — not from selling access to your data.
Is this legal and above board?+
Yes. We provide educational, independent consulting based on publicly available card terms and rewards programs. We're not a bank, lender, or credit repair company, and we will never ask for your card numbers, SSN, or online banking credentials.
Will you help me get credit or get approved for cards?+
No. We don't obtain credit for anyone, submit applications on your behalf, or promise approvals — approval decisions belong entirely to the card issuers. What we provide is education: we explain how published card programs work and which ones fit the spending you already have. Whether and where to apply is always your decision.
Will you help me raise my credit score?+
No — we are not a credit repair or credit services organization. We don't dispute items on your credit report, negotiate with bureaus or creditors, or offer score-improvement services, and we make no representations about improving your credit history or rating. If your score needs work, a nonprofit credit counselor is the right resource; we're happy to point you that way.
What if I carry a balance or have debt?+
Credit card rewards only make sense if you pay your statement balance in full every month. If you carry a balance, interest charges will outweigh any rewards you earn, and we'll tell you that honestly. This service is built for people who are already responsible with their spending and want to earn more from money they're already spending. And let's be clear: usury is bad — paying interest to chase rewards is a losing game, and we'll never advise it.
Will you tell me to spend more to earn more rewards?+
No. We build strategy around your existing spending, not spending you should add. Rewards should be a byproduct of money you were already going to spend — never a reason to spend more.
How is this different from a rewards blog or Reddit thread?+
General advice can't account for your actual spending mix, credit profile, or goals. We build a specific plan for your numbers in a 15-minute conversation, and stay available as your situation changes.
Hi, I'm Landin.
Years ago, I was in a long-distance relationship with the woman who's now my wife — and after one too many weekends of booking last-minute $300 flights to see her, I realized the airlines were winning a game I didn't even know I was playing. So I learned the points and miles game, properly.
Those same flights started costing me almost nothing. Since then, my wife and I have earned more than $25,000 in credit card rewards — flights and hotel stays around the world, paid for with points from spending we were doing anyway. Those points have let us see and travel the world together — trips we never could have justified at full price.
Miyake Credit Card Consulting exists because good advice is surprisingly hard to find. There's endless information out there — but most of it is either pushing an affiliate code or just plain wrong. You need a pro whose only incentive is you. No card sales, no commissions, just a strategy built around your real spending.
You're already spending the money. Start earning what it's worth.
Book a free, no-pressure 15-minute Rewards Audit call. We'll show you exactly what you're missing — no card sales, no obligation.
Book My Free Audit