Brian Kelly Reveals How to Choose the Right Credit Card and Redeem Chase Ultimate Rewards
The talking points. I'm your host brian kelly and today you're in for a treat with this episode because we are going to go live in front of a studio audience but not actually in a studio per se a._t._m.'s that's right. We tape this episode in a bank think and not just any bank talking points visited chases first flagship branch and heart of new york city to brand new space at three ninety madison avenue and this is one of the most innovative bank branches i've ever been in in fact. It almost seems more like an airport first class lounge scott amazing amenities and design elements for creating super unique in modern environment for anyone who walks through their doors. If you're in new york city check out this cool branch at three ninety ninety madison avenue today i'm sitting down with the head of branch banking and wealth management at j.p morgan chase pam kata spotty. We're gonna talk about everything from. It's smart to to have a small business credit card. They don't affect your utilization which is an important factor of your personal score and of course she origin and by spirit animal selene beyond it's telling me to pursue a fulltime career as two point sky i also tackle some audience kyun as so sit back tune and safe travels everybody and welcome we are broadcasting live from our flagship ranch at three ninety madison avenue in new york but we are delighted to welcome our colleagues and clients in dozens of branches around the u._s. and we are delighted to welcome commute today to one of our chase chats and it chased chat is simply an opportunity for us to bring in our customers to talk about topics that are really important to them. It could be about retirement or saving for children's education or a really hot topic like how to use rewards points from your a credit card to live your life streams and that's the topic for today so we have a terrific crowd here and we are so honored and delighted to have bob brian kelly the points guy the preeminent expert in how to use your points to have a wonderful experiences so welcome brian to this daines brian. This is terrific moment for me because a lot of things are coming full circle. You're interviewing me when i was in the car business and we're launching sapphire reserve so now i get to turn the tables a little mishcon interview you first of all. This is so beautiful. I'd never gordon even three hundred. Call this a branch. It's like it's an experience advice. Center senator is so much more so we are so excited to have you and before we get into the meat of the conversation around points and perks and how how to take the best advantage of those who wanted to get to know you a little bit better so a little bird told me that although you're known for points and travel you actually started off in finance ends factor fiction sort of fact. I worked at morgan stanley but i was in h._r. Some people in finance say you can't say you worked on wall street because i was a lowly the h._r. Person but i was doing all of our recruiting for technology and for campus recruiting so i was running the intern programs and stuff but that's where i started traveling like crazy banking tons owns appoints by being smart about my business travel my credit cards and that's what leads me you got the bug yes basically and it was during the seven to twenty eleven so it was a tough time but so i was traveling a ton and getting making no not dollars points so the other thing. We thought maybe just to get you. Would you mind if we just did a little bit of a lightning round. Okay you ready guys so bucket list travel experience. I highly recommend and the maldives. They're really far away but there's just something to be said about. Being in the middle of the indian ocean on a speck of sand no cars the stars of see. It's like a totally unbelievable beach getaway my gosh it's on my list to and you can use points to get there and say some of the nicest hotels all right window cedar. I'll see definitely window seat. You get the best view. I'm also a little paranoid on planes at the overhead. Bins are going to open up and come and kill me so i was gonna say what those long legs yeah yeah planes. I think using the airplane lavatory standing up if there's ever turbulence it's time to go so what's your packing essential allows then of course your credit card. I never leave home without bows q._c. thirty-five headphones so you know i love kids. Kids on planes can be bothersome. There's some at times but you've got your trusty noise cancelling and actually a lot of time. We don't even listen to music on them. Meditate put them on put. The noise cancelling on either read a book or just just sit and admire the what's going on around you number. One travel time saver so i highly recommend so global entry is one hundred dollars every five years their credit cards that will offer it like the sapphire reserve and with that you also get t._s._a. Pre check but also recommend if you're a frequent traveler especially on delta united now has a partnership with clear. It's one hundred seventy nine dollars a year less if you have status and it actually bumps you to the front of the t._s._a. Pre check line. You can <unk> handle the daggers that people stare at you when you're cutting the pre check line is the fast one and then when you bump up to the fast one so you've got to have a thick skin okay last question. What's your go to road road trip songs. Well you know i have a fondness for celine dion. She's sorted my spirit animal. She had a song called taking chances and when i was deciding whether to leave my job at morgan stanley. Everyone in my life was like you're insane. There's no such thing as okay blogger can't be a travel blogger. It's not a real job and she had this taking chances. Chances and i was walking through midtown as i was going to seven fifty seventh avenue and i was listening to it and i had this out of body experience. It's about taking chances jumping offer ledge not knowing what's below and i was like this song speaks to me like this song selena on it's telling me to pursue a fulltime career as the point sky and us oh selena's like my spirit and i actually told her that story when i met her like four years ago and then i met her recently and she said well. You need to make another song for you for the next and i was like panicking. She's one person really makes me starstruck and she just came out with a new song called flying on my own and it's all about flying on the runway was like like she she made that song she was thinking of you. View launched points guy. That's awesome. That's great so listen. We did want to talk a little bit about credit. Cards and many of us have one or more credit cards in our wallet but you study this all the time. Help us think through how how to select the car. That's best for us for each person. The first thing you want to do is just take a look. At what are you spending your money on. I know a lot of people if you live in new york city or and you're taking public transit or you're paying for parking and look at the categories and on cards like the sapphire reserve like travel what people don't realize travel travel includes m._t._a. It includes parking tolls a whole bunch of other categories and that's three points. The goal is to try to earn more than one point per dollar as as a consumer. That's the more points better but you know with freedom. There's rotating really rich five x categories so it can be dizzying to kind of think about but you guys guys make fun for consumers <hes> where we can mix and match you know have a credit card. If you have a small business that is really rich so the number one credit card that i earned my points on as my ink preferred because we spend so much on online advertising at the point sky and even though i've sold the company part of the deal when i sold was that i would still get to run all of millions of dollars of expenses on my personal credit cards awards which part of mind call me and be like do you just spend a million dollars on facebook and that's fine. We'll get paid. It's all about the points. They're giving me a heart attack but so yeah i mean look at what you spend your money on and then choose cards and if you don't want to deal with the freedom unlimited is a no brainer no fee one and how points on everyone's always going to get that if you use your travel or anything so when we last spoke and we were talking about the launch of sapphire reserve we had a conversation about the fact that had a lot of credit cards have obviously really rich points offerings but they also other perks when you think about that balance points in perks what are some of the perks that you look for the benefits or insurances so recently wow air which was a gray cheap airline that flew to iceland all of a sudden went under and the wacky think about airlines is when the funding dries up. There's no more flights so we had so many fiji readers stuck in reykjavik which is a crazy expensive city to begin with and like what do we do my airlines no longer and if anyone who booked on the sapphire cards had ten thousand dollars in trip interruption coverage and every single one of our readers. We talked to instead of waiting for your airline. They're not gonna book because they don't exist anymore so they were able to expensive last minute lights and chase fully reimbursed them. It's up to ten thousand dollars other issues. You know we have a blog post. Outlining most other big issuers that you think might have protection actually don't some of them have recently rolled it back whereas chases held strong with that trip interruption so that peace of mind is huge perk and then the other stuff the fun stuff you know the lounges priority pass with the chase card makes go into the airport that much better and then also. I love going to events and experiences sundance if you've never done it if you have chase products chase does sundance really really well normally at film festivals. You're waiting in the freezing cold and chase with your partnership in the house on main. It's pretty cool right v._i._p. Way to do sundance. I haven't done it the last year or two but i think i think i gotta go back this year. We just find that so many of our customers they have a lot of points they want the travel for air hotel but some of these experiences that they couldn't curate on their own and are kind of wanting a life whether it's sundance or the other ones because you guys it's the stadiums. Yes yes and i know at m._s._g. When i go to concerts i get my v._i._p. Entry it's pretty cool right because you just feel like it's a it's a special experience variance behind the ropes experience so that's awesome so tell us or maybe just give us one example of just incredible experience that you've pad using almost virtually points points well. I love every year. I take my parents on a trip. Recently retired sanders superfund. My mom hates being on instagram and now she's such a diva show actually demand that i pay for a blowout for her created a month don't she actually loves has being on instagram. She has fans now when we are g events like show have more people waiting to talk to her than me but i think my favorite trip. I took them to ghana so i do a lot of work. We do a lot of charity work at the point sky. I'm the global ambassador for an organization called peace. Jim and we're basically the organization to take fourteen of the world's best nobel peace prizewinners from the dalai lama to desmond tutu and we actually take them around the world and do these conferences for kids to kind of create that next generation of non violent leader and we have curriculum based on all these different laureates and basically how kids and tough communities especially can take the learnings of nobel peace prize winners these people who have been through hell helen back but yet accomplished amazing things like ending civil wars using peaceful methods so my parents always heard about my work with them and it was kind of funny they had never been to africa and every time i went you know they were like be careful and they you know you in the media. People have misconceptions about a lot of places on this earth earth and so we redeemed all of our points and flew on delta we use our united miles transfer from chase to go to tanzania on the opium air but they got to see firsthand first hand and my parents fell in love with ghana they actually ended up connecting with one of our kids and ended up sponsoring him to go to college and now he's a basically unofficial son of my parents. He actually writes beautifully flower full language like for mother's day. I'm like he's totally one upping me now because he sends like handwritten scrolls this to my parents like brian so taking my parents on that trip and then also going on safari. That's another bucket list trip. If you've never been on safari it is i've been on four or five now so to wake up in the middle of the searing getty with my parents safari. I didn't at the time i think if i would've had my sapphire fire reserved than this was right before the reserve launched but so yeah taking my parents africa and doing giving back while doing it i think is the best word that's incredible. What an incredible story and i always talk to you about my seven year old seven year old twin boys and that is on maybe one or two more years but that's that's on our nine gauge for for them but your husband's australian. How do you use your points to go down under we to actually so my husband's australian and he's actually born in tasmania. People sometimes get confused with tanzania but it's a very closely australia but <hes> every year we have to save up lots of joints because with two small children. We don't want to disrupt people all around us so we try to get seats that are good and far away from wait. Wait hold. Don't wait a minute trying to push them a little bit your book your kids away from you know. Let's try to get close together in a in a bit of a corner of the plain going more about the other passengers but do you know who's a huge fan of tasmania just had her on my podcast martha stewart yes yes yes. It's beautiful so maybe it should on your bucket list. Let's go. Let's go right now but i love your passion for giving back and i know that we partnered with you and something called the rainbow railroad station asian program to talk a little bit about that important to you so about three years ago is reading the new york times and there was this article about gay concentration camps in chechnya and i get chills even thinking about it. Now i remember reading and thinking in chechnya. There's the government leadership basically doesn't believe that being is a thing and they want to rid their region of the scourge of being gay and they actually have these camps and people are being tortured and killed and being disappeared disappeared and i remember thinking this twenty seventeen. It's not true this can't be true with human rights watch and new york times or not gossip rags and i ended up learning more more about it. How can we help these people and so. There's an organization called rainbow railroad very similar to the underground railroad that during slavery helped get people to safety. It's a network of volunteers and activists around the world and in places like jamaica's actually a really bad place for l._g._b._t. People so we actually get the most at risk people and we get them to safety so we fly them so we use frequent flyer miles since then we've saved a ton of people i've actually got to meet with the group of the chechen who are now now in toronto and slashes on their faces like this is a reality in our world and i'm gay and out able to live an incredible life being authentically me and i think it's just important to note not. Everyone has that so rainbow railroad amazing. Thank you guys so. We have a prize yo campaign now. We're we're giving away trip of a lifetime lifetime with using up to a million chase points plan by yours truly so if you win we'll fly to new york. I'll teach you all the tricks you so you can plan the most unbelievable trip and all of the proceeds go to rainbow railroad so pricey. Oh dot com slash save lives sell on behalf of everybody at chase. I mean what you're you're doing is so amazing and we're just happy to be part of that and helping to make difference reprinting you for that <hes> i have one or two more for you and then i know that the folks in the audience are dying to jump jump in so you're kind of known as maximize her appoints the ultimate maximize or points when you think about using your points. Are there a couple of things on your checklist. You'd want to share with the with the audience on how to make the most of their points absolutely so if you've got ultimate rewards points with the sapphire card you know there's a couple of key ways. You can use your points. The easiest is going in and you can redeem for statement credit or for gift cards. You can book through food. Ultimate rewards travel if you've got preferred. You're going to get one point two five cents per point if you've got a reserve card which i know a lot of people will say the reserve. It's corner fifty dollars but my dad taught me something when i was a kid like cheap is expensive so if you travel the reserve comes with a three hundred dollar travel credit off the bat so you really paying one hundred fifty bucks a year for a card that gives you lounge access that gives you three x on all travel and dining so even the sapphire preferred ninety five and two ex six you know i won't get too into the weeds but the reserve is generally it one our our readers fifty thousand or more readers voted last year in reserve won the best kind of premium card out there. There's actually a war on stage at our word ceremony. It was a custom blazer adorned in sapphire reserve card so to say i'm a fan would be an understatement statement but so that's chase reward travel. It's super easy to book flights any fight pretty much any airline crews but you know if you wanna up it to the next level. Chase allows you to transfer partners like united and hyatt. I know my assistant who worked for me for six months now. She's got at at the points got one of our unique purchases. We actually reimbursed for credit card fees for employees so part of our culture so she's now a chase point expert. She just went to my llorca thirteen eighteen hundred dollars a night hotel that she was able to thirty thousand high at points so when you think she's getting like four cents per point in value which is really if you redeem at the park hyatt paris or if you go to the mall the park hyatt maldives only twenty five thousand point tonight for a thousand dollar hotels so when you're doing the math that's four cents per pointing value so as much as one and a half is good for flexibility well it and we're percent can be better than when you think when you're earning three points per dollar on your travel dining and if you were to redeem at four cents a point you're getting twelve and a half percent back so that's what i get excited about. The points guy so for everyday people consumers who want cash back that one and a half percent is definitely a solid no annual fee <music> simple. It's a no brainer. If you wanna play the point game you can get unbelievable rewards but it does take a little bit of time and effort at treasure hunt element to it because even even some of the point transfer airline chapter more broadly than some of the majors right you talked about ethiopian airlines and others right redeeming partner airlines can can sometimes be amana. The value british airways has really high fees when you go to europe but you know it's only twenty five thousand chase points to go coach from the west coast to hawaii on you know that's a konami but it's on a flight that could be eight hundred dollars so that's you know it's not just first class to the maldives and that's why you know at the point sky. We lash required a cycle mommy points. We now have the whole family travel vertical. We have one hundred employees at the points guy now. Our editorial staff is from all walks of life. We just hired a military points expert because companies like tasteful. Actually i do too. The card act help pay for the annual fees of active duty military which is awesome. Thank you guys for supporting our troops but the points transfer game is where there's a lot of uh value and the points guy. We have how to maximize chase points google. It and we've got a whole team of experts constantly digging in so that's what i love about points. Yeah i mean there are currency that the more you mind your knowledge in two more valuable they become how cool is <hes> anything. We should watch out for any pitfalls any pitfalls. No i mean i think it's still boggles my mind. How often people still use cash to pay you know starbucks and i'm just like shoot single every dollar counts and so even if you get the reserve card and you forgot to update you know uber's three x using reserves a lot of people. It's yes. It's a little bit of a pain when you get a a new car to update streaming. This quarter is five exon freedoms. If you've got that card like pay attention to the rotating categories i think a lot the people get complacent and yes. It's not fun to change your account but when you start realizing the value of these points in the money you're leaving on the table by not maximizing housing and then i will say as a consumer expert if you're carrying big balances and you're paying interest. You're likely going to negate the value of all those points so the goal is to pay your bills goes off in full every month or as much as you can so that you reap the value of the points without getting such a good point because credit cards are such a wonderful way to pay their safeway to pay can get protection protection and you get points and other perks but it never masks the need to always be responsible spend wisely eisley and make sure your credit score is always on the rise right. You guys give free fico score. We do we have something called credit journey so our customers and anybody who isn't a customer can get a free access access to a credit score with alerts and tips on how to improve it so it's really important because that credit card is a really important piece of your overall financial strategy. We actually about to embark. This fall on a college tour spoke at a couple of college campuses. Lotta people just are not educated. I think the branch you guys do an amazing job at helping educate people in fact i always joke where across the street from chase branch and whenever my egos down like a walk into a chase branch because so many of your bankers actually have printouts at the point sky stuff to help oh yes. He formed consumers for anyone out there. I know a lot of people were told credit's bad bad. Don't do it and certainly for a certain population of people who who are in debt or campaign than absolutely not average consumers who are smart about their finances and fico says on their website what goes into a credit score. It's not a secret. It's paying your bills on time time and keeping your debt to credit ratio low so actually our readers may have a couple credit cards the more available credit. You have as long as you pay it on time. That's thirty five percent of your score four and then you pay it down so if you actually get one credit card or credit cards over time have more available credit and you're using less so your score actually chose to build your credibility. Does your credit card. You know start with the card. Maybe that doesn't have an annual fee that makes it very easy to pay and gives transparency and then oh you graduate to the to the sapphire and then on the business side business cards in card. If you've got a small business eighty thousand point sign up bonus <hes> that is really rich so you know and it's smart to to have a small business credit card not only to separate your finances but small business credit cards. Sit on your small business or or your business credit reports so still guaranteed by your personal credit but they don't affect your utilization which is an important factor of your personal scored. That's amazing. Thank you so much for those tips so guys anybody in the audience have anything that they want aspirin around. Thanks so much for coming out of big follower of the points. Especially the geek stuff with a reviews really awesome like question has to do with starwood marriott merger. I think it's no secret i really could be going better. <hes> <music> i think richard kirwan of your contributors an article about marriott's e._e._o. Orange and being out to lunch and then it got taken down so you caught some flack from that in the points community so my question is how do you navigate that line between being the champion of your readers versus the people who you review and let me be clear so we took that post down because it was perceived as a personal attack against arne and that's just not how we do business at the point sky and before that we had tons of articles talking about the program but i made the decision asian because it was perceived by a lot of people at marriott and we want to have good relationships in the industry. That's how i do business so we took it down because it was damaging edging toward relationship and actually how we benefit our readers is by having those contacts with all of our partners so yes it is a tough line to draw and by the way richard is who i was was alluding to is our military higher. He's now our loyalty. Engagement editor fulltime just joined two weeks ago. He's since written a ton of constructively critical posts marriott the the brands we work with chase included want to know when they're messing up. We have a powerful platform in the last twelve months. Eighty million unique visitors come to the point sky every c._e._o. You you know c._e._o.'s radar stuff so it's important for me for us to be a classy brand so it was a tough decision because i also support our writers and we do need to hold these loyalty brands ends accountable so i think we are not paid by marriott with these changes. Yes the merit is a friend of mine and invited me to an event and so i always have to i will do events with our partners. I'm close with our partners to balance but at the end of the day our readers know our readers our boss right and if we're we won't keep growing growing if we're not serving them so we're advocating for our readers but we also do wanna be classy in the way we do it. You know so it's a tough balance but i do think our coverage of mary. It's been accurate. I still think huge value to have the program. I'm booked at the saint regis venice this year fifteen hundred dollars a night eighty thousand points tonight so i mean i mean i still get value from the program. It's not all horrible but for sure. There have been a lot of blunders which they've admitted and they're working on. Thanks so much and tell them to go to resort fees. Oh yeah i know i mean we're we're at totally anti resort fees and obviously the government's now stepping in so it'll be interesting to see how that plays out but we're fully supportive by the way what what's your favorite kind of flight review of ours. I loved the seven forty seven el al because you pam them. It was just nobody really initial the last flight that actually made the israeli news so we use points actually to pay for all of our flights we don't take previews from airlines and hotels or or reviews sick in the independent independent and i actually like my experience they did. They served us rancid food. It was just it just there's no way around i can can i when i was a frat boy in pittsburgh. I've eaten some nasty things in my life. The food on board was truly. Just it was edible so so we you're honest about that and you have to be unbiased right sussman great questions. Thank you so much anybody else so i have a question about airline cards cobra and airline cards do airlines give you better status so i've i've grade status on an airline but did they give customers that have that co brand card better status more burks because of that it depends on the co branded card. Generally the premium cards do united being the exception they and this is something. Maybe i can put your cards anymore. Necessarily but you guy on the message so united actually has a continental card that's gives but they don't currently have a premium card. That gives elite qualifying miles delta. Does american has several. You've got to spend a ton but colbrad cards can make a lot of sense in the perks that they give us. Well are they. A lot of airlines will have lounge access or specifically boarding and free checked bags like if you're paying for check bags on an airline getting the co branded card of the airline that you fly why can easily pay for that annual fee many times over. If you have an airline card you can spend on that airline. You might get some perks but my strategy in an abandoned you wouldn't be putting all of of your spend on that card because you're also then putting all of your eggs in a single currency whereas you could have a card like a sapphire card that let's transfer to thirteen partners yeah at least so and redeem for other airlines and hotels and trains and cruises so there's more flexibility on transferable points cards like sapphire preferred serve anybody else. I think we have time for maybe one or two more. What's the best way to get to them. All these points. If you planning finding that once in a lifetime trip so would chase points you probably the best and cheapest way would be to redeem on turkish airlines. Turkish is coming out with their new september seven one eighty seven which has a great business class even older one turkish. They're beautiful new airport. They haven't assemble and it's probably one of the best business class lounges in the world. You could also redeem redeem on flying emerets. Flying through dubai is is amazing. Qatar airlines also is pretty good for one stop to the maldives steve so so yeah those would be my favorite airlines to get to them all these great well. I think we all need to go to the maldives. You've got you've got our wheels turning on how to get there and how many points to say. I think we have time for just maybe one more question. Go ahead. Yes oh my name is orville davis and thank you for coming here today. My question is more about <hes>. <hes> your startup journey when you started with the point sky blog was a you by yourself. Did you have to use a inc preferred vince describe kind of pay for office space or even further employees and editors yes so it started as me so i actually bought the points guy domain in two thousand nine fine. <hes> friend of mine had he was like you're so good at points. Why don't you monetize that because i was looking for a side hustle i was my twenties living in new york but then people say no so i i sat on it for a year and then when i started the point that i wasn't even a blog so in april two thousand ten i loaded the site and it was a form and you can put in your name what airline miles miles you had what hotel points and where you want to go and it would email me and it would be fifty dollars a ticket so i was basically like a fake travel agent but i put it up on the internet. It and i enjoyed all of my family and friends and on facebook. Hey i've got this new points booking service. It's fifty dollars a ticket because i love doing it and to this day. I still love the puzzle pieces of using points to go on a trip. It's like doing a crossword puzzle but at the end of the day you get a free trip. That's why when people are like oh. I don't like points. I'm like are you kidding so anyway. It started off as that and then my dad wants astutely said like brian like what are you gonna do clone yourself like how do you scale this business because it can you know and then you know dealing with individual customers i had one once i spent five hours working on this amazing trip to italy with his daughter and at the time american angled lie flat business seats and he goes no she hates the angled lie flat on american and i just remember me like i spent five hours to build this amazing ten thousand dollar trip and he was like i don't feel like doing that because my daughter so the business model then changed it was i focus on content and instead of helping individual people. I was like let me figure out how to teach but i had no idea how to monetize but it was. It was <hes> about nine months in a friend of mine from college. It's like you're writing about credit card companies. Oh by the way through affiliate marketing the credit card companies will to pay you for any new approvals that you send them and i was like the point skype blog eight thousand monthly like no one at chase or any other company is going to approve it and they're like oh contrary you've actually shown up on the radar and meanwhile i had no idea what s._e._o. Or you know the fact that i was writing about credit cards and clearly people in the marketing departments were reading. This is a lot of so but i had business credit cards from the beginning i once it started to take off. I started hiring. You realize running a website. I'm not a writer. I studied spanish. I i have out of college. I was in a buyer for lord and taylor ended up working in h._r. At a bank and technology i really had no skills it is we've got bigger and bigger and so yes so if it was it was hiring the first managing editor and then hiring writers to write under my brand dan which was really scary relinquishing control as you know you have to build so it was a really fun. It was a quick journey to and may of two thousand twelve. A company called bank raid had approached me to buy a publicly traded company. You know basically year. After i started monetize. It was kind of what the heck like is this real and are publicly traded company got sold to another company about eighteen months ago and they've invested a ton so i know we didn't talk much about the future of the points guy but you know we are coming out with an app. That's going to totally revolutionized. Evolution is how you maximize your points track your points and most importantly use your point so we're building a tool that will help break down those transfer partners where we're gonna be working with the airlines. At the end of the day. People say airlines credit card companies hate. You and it's clearly not because i'm here today to help. Hustlers get more value. I mean these loyalty programs and credit cards and boy they exist for a reason right and in an ideal world smart consumers. You spend chase wins. The airlines wink has chases paying the airlines for the points like a lot of the airlines make more money selling frequent flyer miles and they'd do by operating airplanes and consumers can win too. I love. I love the fact that we have last night. I was an event. We had a college kid who flew singapore airlines first class to study abroad. You know that's i loved that like the democratization shen of traveling. You don't have to be a multimillionaire to travel. Well so that's you know through the next evolution of our company will be yesterday we're content but we're moving into into technology and tools to to make people's lives better so i got the best job helping people travel more and save money well. It just shows in the smile on your face. You're living in your passion. You're helping the community and the world in various ways and you're a great partner to chase. We thank you so much for your partnership for what you're doing for our customers. I help them realize their dreams. It means the world so thank you so much. Thank you everybody for joining us. That's it for this special episode talking points. Thanks again to j. p. Morgan chase for inviting me to be a guest on chase chats. This chap was broadcast via live webcast too many branches around the country so thanks expect everyone who watched and check out your local branch for another chase chat in your area a huge thanks to pam kata spotty at of branch banking and wealth management at j. P. morgan working chased. You were an absolute delight to be on stage with and thanks to ashley dodd victoria buckner laurie colbert at j. p. m. c. j. p. morgan's eighteen b-team emerson williams and david warren and as always a huge thanks to becca denver christie matsui nat row and why it smith at t._i. G. for pulling this all together and thanks to the points guy podcast team caroline shea grin and margaret kelly. I'm brian kelly safe travels.