Traveling the World Affordably by Optimizing Credit Card Points with Ricky Zhang Artwork

beyond MD with Dr. Yatin Chadha

beyond MD bridges the gap between medical training and financial literacy.

Led by mid-career Canadian radiologist, Yatin Chadha, beyond MD empowers practicing physicians, medical trainees, and other professionals to build confidence and clarity around money.

Episodes feature interviews with subject experts to help listeners gain knowledge around topics like professional corporations, investing, insurance, pensions, real estate, trusts, and estate planning.

Yatin also frequently interviews his own colleagues to shed light on valuable life and money lessons learned over time.

Tune in to beyond MD (episodes are bi-weekly) to build your financial acumen and live your best life today.

All Episodes

beyond MD with Dr. Yatin Chadha

Traveling the World Affordably by Optimizing Credit Card Points with Ricky Zhang

September 07, 2023 • Season 1 • Episode 54

Today I host Ricky Zhang, founder of the Prince of Travel. This is a deep dive on understanding & optimizing travel rewards so that we can travel the world by spending less!

Discussion Points:
Ricky's background & the origin of Prince of Travel (3:45)
How does the points system work? (7:07)
Earning points rapidly through credit cards (11:14)
Credit score fundamentals (19:07)
Should we keep our credit cards for the long term? (22:40)
The credit card game isn't for everyone - who should avoid it? (26:54)
Other ways to rack up points at a faster pace (31:40)
The best credit card for Canadians: Amex Cobalt (32:47)
Credit cards for small business owners, why Amex points are so versatile (33:45)
Understanding the RBC Avion point system (37:04)
Redeeming points efficiently, dynamic pricing, ideal booking windows (39:47)
Example of redeeming points - Toronto to Portugal (45:26)
Prince of Travel Concierge services (50:07)
Aeroplan elite status (52:15)
How to get started (53:40)
Rapid fire, including a strong credit card portfolio (55:19)
How many credit cards does Ricky have? (58:58)
Closing thoughts (60:20)

Credit card links (cards I use & benefit from):

Amex Business Platinum:
https://americanexpress.com/en-ca/referral/yATINC4uFw?XLINK=MYCP

Amex Cobalt:
https://americanexpress.com/en-ca/referral/yATINCwb0U?CPID=999999538

Social media links & email:

Yatin:
beyondmdpodcast@gmail.com
https://www.linkedin.com/in/yatin-chadha-29074b109/

Ricky:
https://princeoftravel.com/
https://www.youtube.com/@PrinceofTravel