About Points to the T

Points to the T helps everyday travelers extract more value from credit card rewards. We started as a beehiiv newsletter in February 2026 and grew into a set of free tools that answer the questions readers kept asking: which card should I use, which welcome bonus is actually worth it, and what perks am I leaving on the table?

We're an independent publication operated by FTLM, LLC. Some links on this site are affiliate links, but our recommendations are based on what we actually use and what genuinely helps readers — not what pays the most.