Frequent Miler on the Air - Wells Fargo journeys forward | Frequent Miler on the Air Ep354 | 4-17-26

Episode Date: April 17, 2026

In today's podcast episode, we'll watch as Capital One ventures into business, we'll discuss the best of the best award search tools, and we'll talk about how Wells Fargo is on the upswing.Giant Mailbag(01:00) - Nate has a tip to add to our Free checked bags via credit cards podcast Ep353Card News(04:41) - Capital One Spark Miles rebranded to Venture BusinessLearn more about the Capital One Spark Miles rebranding to Venture Business hereCrazy Thing: Choice Privileges(09:42) - Choice doubled points to Air France/KLM Flying BlueRead more about the Choice Privileges transfer bonus hereBonvoyed: AA(13:03) - AA bonvoys elite members flying basic economyRead more about American Airlines doing away with basic economy for elite members hereAwards, Points, and More(16:42) - We've updated our resource "Which award search tool is best?"Find our "Which award search tool is best" resource here(26:05) - Amex changes referral limits to 5 per year, per cardRead more about American Express' referral limit changes here(29:01) - Wells Fargo adds new transfer partner: Wyndham 1 to 2Read more about Wells Fargo's new transfer partner hereMain Event: Wells Fargo journeys forward(31:13) - Wells Fargo Rewards was a 3rd tier transferable points program(31:46) - That's starting to change...(32:46) - Wells Fargo Rewards advantages(34:09) - Transfer partners(37:22) - Wells Fargo rewards credit cardsLearn more about the Wells Fargo Autograph Journey℠ Card hereLearn more about the Wells Fargo Autograph℠ Card here(43:50) - Wells Fargo cash back cards(54:45) - WeaknessesQuestion of the Week(58:07) - Nick wonders... if Greg had the capacity to spend towards one single elite status, which would it be?Subscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don’t forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie YoderMentioned in this episode:Check out all of our other travel podcasts from around the worldThis podcast is part of Voyascape, a podcast network that brings together the world's best travel podcasts. You can find all of our podcasts from around the world at Voyascape.com. If you are interested in advertising or sponsored content on any of our shows you can find out more at the link below.Voyascape Podcast NetworkVisit FrequentMiler.com Did you know that Frequent Miller is also a website? At frequentMiller.com, you'll find all the latest deals, news about points, miles, and rewarding credit cards, the single best, Best Credit Cards page on the web, guides to all popular rewards programs, and many other terrific resources. If you'd like to get our posts sent to your email, go to frequentMiller.com/subscribe and sign up for free. https://frequentmiler.com/subscribe/

This is a Voyescape podcast. You can find all of our travel podcasts from around the world at voyescape.com. On today's show, we discuss the best of the best award search tools. Capital One ventures into business. And Wells Fargo is on the upswing. Frequent Miller on the air starts now. Today's main event, Wells Fargo journeys forward. Wells Fargo has had a transferable,

Points program for a few years now, but it's always been kind of third rate. Not many transfer partners, just not much going on with it. But some recent events have made it more interesting than ever before. And we're going to get into full details and what you could do with Wells Fargo credit cards and transfer partners in today's main event. And we'll get to that in a little bit. Remember, if you want to jump ahead to that or you want to come back to something later on, you can always find the timestamps in the show notes. So just expand the description box and wherever you're watching or listening. Don't forget to like the video if you're watching it or leave a review for the podcast.

We love to hear from you. Thank you for that. Now let's drag out this week's Giant Mail back. Today's Giant Mail comes from Nate. Nate wrote in reply to our recent episode about free check bags via credit cards. So in particular, one of the things we talked about in that episode is that the United card requires paying for your flight with the card in order to get free check bags unless you happen to have picked up the card in the last 90 days and then it'll wave check bags. So Nate says,

just wanted to add that if you pay using a United travel credit, you get the credit card free bag benefit. I have a United business card and it's old and cold, so I'm not within the 90 day period. So just to sort of explain that a little bit. So Nate's saying that he's paid for a flight, not with the United Credit card he has, but with United Travel Credit, and he's still got free check bag. So that's really good to know. He has some extra stuff in here that I think is informative for other reasons. He says, this is limited utility because you don't get any credit card protections when you use a credit to fly. But I have a lot of United Credit from booking flights to use my IHG cards, United Airlines Travel Bank Credit, before it expires.

And then rarely booking cash fare, so never actually using the credit. Fortunately, with United Credit, it's easy to extend the expiration. All right. So this definitely requires some explanation here. The IHG Premier Card offers $25 of United Travel Credit every six months, but it expires after, it expires at the end of the six months if it's not used. And so what some people do is they use the credit to book a flight and then basically, you know, cancel the flight or somehow turn it into future travel credit that's not going to expire in

six months. It'll, I think then it'll expire in a year. But then if you use that credit again, you know, you can keep pushing it forward. And so some people do that. But it's of limited use if you're to do all that if you're not actually booking United Paid flights because that's how you would use the United Travel Bank credit. And you can't use that credit to pay like the taxes and fees on an award ticket. So anyway. So that's what Nate is presumably doing with his IHG credits.

And so he finally, obviously found a use for his credits and got to find out that his credit card free bags applied. So that's great. Yeah, that is. That's excellent. That's good to know. I wonder if any of that credit was originally purchased with the United Credit Card and whether that makes a difference. That makes me wonder now, like, because he presumably didn't find a $25 flight, right? So the first flight that bought that created the credit must have had some money probably on a credit.

card. So I wonder, wonder if that makes a difference? Does like the, does the credit hang on to that? I don't know. That would be really interesting. Yeah. Yeah. I mean, I'm just, it could be, but I'm just assuming that United, like, recognizes that if you're using your travel credit, you wouldn't be able to use your credit card. So they give you the benefit of doubt and, and give you that benefit. But I don't know that. It could be, could be what you're saying. Yeah, who knows. All right. Let's move. into this week's card news. So for card news this week, we've got the Capital One Spark Miles card being rebranded to the Venture Business card, but there's some changes, right? Yeah. So Capital One,

you know, they used to call most of their business cards Spark cards. So they have Spark cash cards and Spark Miles cards. And their Miles earning personal cards were called Venture. And that all started to change when they brought out the VentureX business card instead of naming it Spark Miles something or other. They called it VentureX business. And now what they're doing is going back to all their other business miles earning cards and saying, let's rebrand those as venture. And so that's what's happening. But with and so the the new venture business card, which again replaces the Spark Miles card is basically like the venture card, the $95 venture card, but a business version of it. But there's a couple little differences.

So just like the personal card, the venture business is $95 a year. Unlike the old Spark Miles, that fee is not waived the first year. Like all, like the other venture card and the Venture X, you get 2X everywhere. on your purchases. Also, like the venture card, you get global entry or TSA pre-check credit once every four years. And unlike the personal card, we've been told, or others have been told by Capital One, that this card, when you sign up new, won't be reported to your personal credit report. And why that's important or helpful is it'll keep you under 524 for Chase Purpits.

purposes. So what that means is Chase doesn't like to approve new card accounts if you've opened five or more new credit cards in the past 24 months. And so if you sign up and are approved for this venture business card, if what has been said is true, it's not going to show up on your credit report. And so Chase won't see it as a new account that has been opened. It won't affect your ability to get new Chase cards. So that's a nice thing. also now will come with two $50 annual credits. One will be for the Capital One business travel portal so you can just book travel through the portal and get $50 of credit towards your travel. And the other is $50 towards qualifying advertising or software merchants. We haven't yet seen

like a list of qualifying merchants. So it's unclear at this point how easy that'll be to use. you know, if you are able to use both, then you'll be able to sort of get $100 back on that $95 annual fee. So that would be nice. Yeah. And the $50 on software merchants could end up being pretty easy, pretty easy rather to use. New Egg has qualified for that on other types of cards. And New Egg sells lots of different stuff than in addition to all the stuff they sell. They sell plenty of gift cards. So there's probably, hopefully going to be ways to use that easily enough. So yeah, kind of interesting. So between the venture consumer and venture business, if you were choosing between them, which one would you rather have? I mean, I would get this one because it has the extra credits on it.

I mean, who knows, we'll see whether venture the personal one, whether they add some credits. I wouldn't be surprised if they do. But for now, I would choose this one. Plus, just it not going on the credit report. It seems like a good thing. So I would slightly edge towards this one. Yeah. And on that note, of course, it won't report to your personal credit bureau, assuming that you, you know, pay your bill. And so if you, if the account goes delinquent, it will get reported. But it won't get added as long as the accounts in good standing. We should qualify that for the, uh, right. Right. Right. All. Also, um, people often get confused by this. If they run a hard credit check for opening this account, that credit check will be reported to your personal credit report. It's,

it's the new account opening that won't get reported. And that's, that's what's mad. That's what matters for Chases 524. Yeah, that's, and that's an important distinction too, because we sometimes get questions about that where I think people think that the inquiry is what counts and it's not. It's the new account getting reported. Your personal credit's going to get pulled for almost any card you apply for. I say almost because Amex anecdotally doesn't seem to do it for existing card holders, but they could. and every other issue or it doesn't matter if it's a business or a consumer card, your personal credit's going to get pulled in 99% of cases. Yep, yep.

Okay, let's talk about what crazy thing? What crazy thing did Choice Privileges do this week? All right. Well, not this week, but I guess about a week ago. So Choice Privileges has been running a transfer bonus to Air France K-Lam Flying Blue. Normally, if you convert your choice privileges points to most types of airline miles they support, but specifically to Flying Blue, the transfer ratio is very poor 5 to 1. It takes five choice points to get one airline mile.

With the transfer bonus, you officially get two Air France Flying Blue miles for each five choice points. So it's still not a great transfer ratio, but it's not as bad if you just have no use for your choice points. It's not a terrible way to convert them to something that's potentially more useful to you. The crazy thing was that the choice was doubling the double. So what was happening was, you know, if you put, if you deposit, if you transferred 5,000 choice points to, you know, if you put, if you transferred 5,000 choice points to flying blue. They deposited the 2000 you expected because five to two ratio during the transfer bonus. But then they transferred another 2000 on top of it. And so this was happening reliably

for days last week, or maybe it was two weeks ago at this point. And unfortunately, they decided to claw back that extra. Totally in the right. It was a mistake. You couldn't, if you found it happening, it was one of those things where I transferred a bunch of points because, you know, I would have more immediate use for Air France scale on flying blue miles than for choice points. And so being able to get a transfer ratio of what amounted to five to four with this mistake, I thought, eh, that's really good. But I knew the whole time that there was a chance, a real chance of it getting clawed back. back and it did. So, oh, well. You don't win them all. You don't win them all, but, you know, sometimes nothing ventured, nothing gained. So, you know, that's one of those things where I think the perspective you have on it is really healthy and that's one you got to have with these things.

Sometimes there's something that happens that works out to be better than expected and you get a nice little win. And then other times you say, ah, well, them's the breaks, so to speak. That's the way it goes. It was the way it was meant to be anyway. It was the five to two. So that's which you ended up with. Yeah. And just for a reference, there have been times in the past where city has made similar mistakes, and those transfers have stuck. And so, you know, I think more often than not, in my experience, this type of mistake like holds. And so it's, it's worth jumping on when you see it. But there is that risk. Like, you can't undo this. So if you really would prefer your choice points, then, you know, less than half as many Air France miles.

then it's a shame, but it was worth the risk, I think. There you go. All right. Let's talk about being bonvoid. So this week we've been bonvoid by American Airlines, or I don't know if I should say we. American Airlines elite members have been bond void by American, right? Yeah. So everybody gets bonvoid in a little way with regards to booking basic economy fairs

because they decided to raise check bag fees, well, for everybody, but then also particularly if you book basic economy, you're going to be paying $5 more to check a bag. But where they really get you now is if you have elite status with American because they used to let you qualify for upgrades and your complementary like preferred seating and things like that. And starting May 18th, they're taking that away. you're not going to get, you're not going to be eligible for system-wide upgrades, cash upgrades, upgrades using miles, complementary elite upgrades, and you'll no longer be eligible for complementary seat selection. Now, and also having one world status with other airlines won't help you with those things either. This basically brings American Airlines in line with

how United and Delta do these basic economy fairs as well. it's still better than United's it. If I remember right, United is the one that doesn't allow even a personal, a carry-on bag for no fee with basic economy, which is crazy to me. But, yeah, so it's basically bringing in line with Delta, I guess, is a better way of saying it. And, yeah, you know, before American was the one where if you had elite status, you're not losing too much. I mean, you were not before earning loyalty points or redeemable miles for those fairs, and you continue to not get those.

But at least you could have a regular flight experience before. Now, not so much. Yeah, that's a bummer. For the people that are most loyal to the airline or helping the airline earn through earning miles in other ways, it's just a bummer that they can't get their benefits on those. They just seem to continue to work to make basic economy as undesirable, as possible. It's still fascinating to me. Fascinating exercise and creating a product that you actively want to discourage people from buying. It's such a weird thing in the airline industry.

Yeah. Yeah. And it's interesting, too, looking at the low-cost carriers are all really struggling now. And the original impetus, I believe, for basic economy was to be able to compete with them by basically, you know, know, we'll offer a fare that's as bad as what, as bad in terms of like what kind of inclusions you get as what the low-cost carriers offer in order to compete on those routes, but while still offering like you could pay more to get these, to get sort of normal service. So unfortunately, I think that basic economy is here to stay, even if low-cost carriers go way in the United States. And not only is it here to stay, but, but, you know, United and Delta

have introduced, like, versions of basic, basic economy for, for premium cabins, basic business class, and premium economy, basic premium economy. So anyway, yeah, it's a scourge that's going to last. Unfortunately. All right, let's move on to this week's awards, points, and more. So you updated a resource, one of my favorite resources, which award search tool is best? So which one is it? Yeah. One of the things I did I worked really hard on was looking at the award tools, which programs they support, which airline programs they support. So in the past, my coverage has basically compared the tools just by features. So I was looking at which tool had the best features. And, you You know, so things like award tool, oh, it's great because you can do multiple airlines and multiple dates at once.

But that's not that great if it's not searching the airline programs that have the available awards. So one thing you could do is look at what programs each tool says they offer. but I find that to be extremely unreliable for a few reasons. One is that, you know, loyalty programs change all the time in terms of how the technology works. And so just because a tool once was able to, you know, look for Singapore Airlines Awards, for example, doesn't mean they can today.

And while Word Tools are quick to add new ones to their list, of supported programs, you rarely see them remove the ones that they can no longer support. So those lists tend to be out of date very quickly. And also, what it means to support a tool can vary. So for example, if a tool supports Turkish Airlines, that probably means that it can find awards available on Turkish Airlines' own flights, but not on partner flights. So, for example, if Turkish is able to book a partner, let's say, Air Canada flight, you're not going to see in that tool. And so whether or not, you know, when a tool supports Air France Flying Blue or Air Canada Aeroplane, it's important whether it can see.

all of the bookable airline flights, not just the ones from that own airline. Another thing is a few tools are disingenuous about what it means to support. So what I mean by that is like, I'm going to pick on point me. They apparently, now this is from inference from what I've observed, they'll say we support, for example, Cathay Pacific Asia Miles, and you will sometimes see Cathay Pacific in the search results as a program that you used to book a flight. But what it seems like they're doing is looking at a one-world flight, let's say a British Airways flight and saying, is this bookable with partners besides British Airways itself? Like, is it bookable through American Airlines,

Alaska, and other partners? If so, then it's certainly bookable through Cathay Pacific as well. And we know from history what those Cathay Pacific Awards cost. So that's what we're going to put as the award cost for that flight. That's somewhat useful, but it's far from perfect. And the main reason I don't like that is that the reason I want a tool to support a program like Cathay Pacific is because Cathay Pacific gives more award space to their own members. So if you want to fly Cathay Pacific and Cathay Pacific is the only airline miles that can be used to book a particular flight you want to fly, you're not going to find it on

Point Me. So anyway, so that was a long way of saying that I decided to basically do my own research and pick a whole bunch of award searches and look at which tools found, which, you know, programs were available to book. And then in most cases, I double checked, you know, by directly logging in with the airline program to see if those things were correct. And, um, Okay, given all that, I was actually surprised with which ones came out on top and pleasantly surprised because my two favorite award search tools came out on top as for having the best program coverage. Points Path, that's the one that integrates with Google Flights, just did really, really well

on all the key programs that I looked at. So to be clear, I didn't look at all possible loyalty programs that are covered. covered because I didn't look at like Virgin Australia, a lot of them cover that because you can't transfer points from major transferable points currencies too there. I didn't look at Aero Mexico because it so rarely has useful awards. So I looked at just a set of what I thought were useful and points path covered most of them. They also, the obvious programs are really hard, apparently, to cover with award tools. PointsPath covered two of them really well.

Most other tools at most did one. Award tool similarly did very well and also included Cathay Pacific results. So that was the only one that did. So that was really good. On some minor things, it didn't do as well as Points Path and only covered one obvious purpose. So anyway, yeah.

Now, so that's from the point of view of coverage, Points Path and Award Tool. Point Me came in third, if I remember right, and then the rest kind of all, I couldn't really rate them because they all had a lot of pros and cons. As far as features go, I rated Award Tool overall best because it has the best combination of live search features, alerting capabilities. capabilities, cache discovery features so that you could search across, you know, many dates and broad regions at once, that sort of thing. It has a great combination of features. So I pick that as best overall, but then I also had subcategories and the most important ones are best for live search, meaning you just want to see, I want to go from here to there on this date, what are the best results for that, best programs I could use to book that.

I like Points Path better, especially now. I found during my work that Points Path now lets you do multiple airports at once, both in the from and two. So they match a word tool on that level. Then best cash discovery. So you want to search from North America to Europe, business class, for family, for anytime in the summer, points yeah, they've introduced a new, they've always been my favorite for this category, but they've also, they've introduced a new, it's not that new now, but they

introduced a map, so you can see the results on a map, and you can see like all of Europe and see what the prices are to different areas in Europe. And it's just really good for, like, click on a result you're interested in and click to refresh to see live results because most of estate is cash, so you can update it right then. It's all very seamless. Best of all, free. The free version of Pointsia gives you that full capability. So no matter what tool you use for live searches, I would supplement that with Points Yeah for those, what they call Daydream Explorer or something like that, Daydream something. And to do those kind of broad searches as well. Yeah, that's all really interesting. I was particularly fascinated with the fact that

Points Path now allows the ability to search multiple from into airports and see the award results for those multiple airports. That's a terrific enhancement that's going to, I think, just make that tool even more useful. I still use award tool most often, but, you know, I should probably be checking out the points. Yeah, Daydream tool a little bit more often because there are times when I essentially kind of do that on my own with award searches at award tool, you know, and then I'm seeing live results, but I think the map would be particularly interesting. So definitely you want to take a look at that post. I often tell people that in many ways there has been, there's never been an easier time to get involved in this hobby than now because the award search tools out there make it so much more

intuitive now than I think it was 10 years ago. It's much easier to find awards. Now I say easier. That doesn't necessarily mean easy. There aren't always going to be awards the day you want to travel and the route you want to travel on, but with some flexibility and some of those tools, I think there are tons of great awards out there to find. So that's an awesome post to check out if you have not checked it out yet. All right. In other updates this week, Amex has changed the referral limits. So now you can get up to five referrals per year per card. So you can refer up to five people from each of your Amex cards each year? Is that an improvement? Is that some sort of a devaluation, so to speak? What do you think? Yeah, it's going to depend. In many cases, it could be an improvement. So before they would often,

for example, say if it's a membership rewards earning card, that you can earn up to 100,000 points in a year, and that's how they would limit your referrals. So whether five is better or worse, depends on how much you're getting for each referral. When referrals are at sort of a high point where you're getting like 30,000 points per referral, then limiting to five is better than a hundred thousand point cap. When it's less than 20,000, then five is worse. For most people, I'm guessing it doesn't matter. I guess that most people don't refer more than five cards or more than 100,000 points each year anyway. But, But if you're someone who's big in referring, it could be a good thing.

So just something to be aware of. Yeah. And I think for some people, probably it's a surprise that the referral cap has always applied per card. I think many people probably have assumed that you could earn 100,000 points total across all your MX cards and referring people, whereas it was actually 100,000 points per card. I know it's five referrals per card, which, I mean, again, And like you said, most people aren't going to be referring 10 or 20 or 30 people. But, you know, if you're referring back and forth with a player too and maybe now and then when the referral offers the

best offer, there have been times where we've created referral threads in our Facebook group. And we only allow referrals when we solicit them because we need them for the best offers page. So it's not something we allow on a blanket basis. But when we need a referral link for the best offer and the best offers page and we solicited there, there are certainly readers who have maxed out on that in the past. So for those folks, when that happens, that'll hopefully be a nice benefit and nice to know if you didn't already that you can do that on more than one card potentially. So I think probably a net win for the cards that offer less than 20,000 points per referral, in my experience, it's been like the Blue Business Plus and the everyday cards. I think most of the rest of the cards out there in my account anyway, I've seen 20,000 points per referral or better. So I think for most people, that'll be better.

Although I will say probably the airline and hotel cards, like the Delta cards and the Hilton cards, those might be, that might be a worse outcome for those cards. But anyway, that could be. That's that. All right, Wells Fargo is out with some news this week. They've added a new transfer partner, Windham rewards. And it's not one to one.

And it's good news, right? It is. So they surprise us all by interesting. introducing Wyndham at 1 to 2. So just like choice privileges, you could transfer Wells Fargo rewards points, 1 to 2 to Windham, and you can still do 1 to 2 to choice. So those are all of Wyndham's hotel transfer partners, and it's pretty cool that they're keeping that 1 to 2 ratio.

And it's interesting, Chase just recently added Wyndham as a transfer partner at the 1-1, which they do all their transfer partners. And so now we have all the major players transferring to Wyndham except for Amex and all of them except for Wells Fargo are one-to-one. So Wells Fargo is beating everyone with this new entry. Yeah. Yeah. I think that's potentially exciting because there are some Wyndham properties, particularly all-inclusives and some of the timeshare properties where one to two could turn out to be a pretty solid deal. Absolutely.

There are, you know, for me personally, it's been rare to. find great deals with Wyndham points, but there definitely are opportunities out there. I know Nick booked a great place in New York City that was a great deal. And so there are those opportunities out there. And even if you're looking at the sale price of Wyndham points, which goes as low as around 0.7 cents per point when they're on sale, you know, that still means you'd be getting like 1.4 cents per point from your, from your Wells Fargo points when doing this transfer from that point of view. But you'd often be getting much more value as far as when you redeem your, your points. So that's a great new addition. I love to see that. And I hope, I hope Wells Fargo keeps

surprising us with similar additions. Absolutely. All right. Speaking of Wells Fargo, we'll be right back after this with our main event. We hope you're enjoying the Frequent Miler on the air podcast. Did you know that Frequent Miler is also a website? At Frequentmyler.com, you'll find all the latest deals, news about points, miles, and rewarding credit cards, the single best best credit cards page on the web, guides to all popular rewards programs and many other terrific resources.

If you'd like to get our posts sent to your email, go to Frequentmiler.com forward slash subscribe and sign up for free. And we're back with today's main event. Wells Fargo journeys forward. Wells Fargo rewards was, at best, a third-tier transferable points program. You know, it came on the scene new, I don't know, a couple years ago now or so, with very few transfer partners. And since then, it hasn't had any transfer bonuses to my knowledge. So it's been very, very weak, and we haven't given it a lot of attention here.

But that's starting to change, and it's not just because of Wells Fargo is doing. There's other players involved as well. For example, Chase has lost its 3X all-travel consumer card when the Sapphire Reserve was refreshed and got brand new, you know, travel bonuses that did not include. 3x for all travel, there's not much in the consumer space where you can get that kind of offering, but Wells Fargo has it. Similarly, City just now is losing its ability to transfer to choice from one to two. They're reducing that to one to one point five. But Wells Fargo still has transfers to choice at one to two. And now, of course, Wells Fargo has added transfers to Windham,

at that same one to two ratio, which bests all other transferable points programs. Yeah. So that's interesting. I mean, those are some interesting developments there. And Wells Fargo has some pretty distinct advantages. For instance, point transfers can be made in any increment. This is totally unique. Now, Capital One allows you to customize somewhat.

I think they're in 500 point increments. But with Wells Fargo, you can literally transfer down to the single point. And so that's nice because it means you don't have to worry about. about orphaning any unused points in a program. You can transfer over the exact number of points that you need in order to book the award you want. Points can be moved freely to anyone else with Wells Fargo rewards. They share that characteristic with Capital One. Capital One allows you to transfer your rewards to any other cardholder. And Wells Fargo does the same. Cashback from Wells Fargo cards that earn cash back can be moved to a rewards card and then transferred on to partners, the airline and hotel partners.

Again, that's similar to Capital One. If you have a Capital One card that earns cash back, you can move that to your Miles card and then transfer on to partners. But that's something that's unique to just Wells Fargo in Capital One, but something that probably hasn't been discussed as much with Wells Fargo in recent years. And they have a very strong card lineup, particularly if you're not looking for the ultra premium annual fees. You can get a great card lineup with very low annual fees from Wells Fargo.

Yeah, yeah. So there's a lot to like here. Let's get into some details, though. Transfer partners. This is not a long list yet. And so we're hoping this expands. As far as airline transfer partners go, they have four transfer partners that transfer to Avios. Now, you can move your Wells Fargo points to Aer Lingus, British Airways, Iberia or Qatar. But that's sort of disingenuous to call it. that four different transfer partners because once you move to one, you'd be able to yourself move those Avios around to the other partners as well, and to Fin Air as well. So I think of that as one. You can move the points to Avios. You could also move your points to Avianca Life Miles, so that's a really strong Star Alliance option. And you can also move to Air France, KLM, flying blue, and that's a very strong Sky Team option. So you've got you've got one world covered with Avios and Sky Team with Air France, Kaelin, Flying Blue, and Star-Lines with Avianca Life Miles.

And on the hotel front, you've got one to two transfers to both choice and Wyndham. So while it's sort of barely keeping up on the airline front, it has some advantages on the hotel front, especially if you can find, you know, good hotel options within. than the Choice in Windham Footprints. And don't forget, Choice also has the ability to book not just Choice Privileges, hotels, but also preferred hotels. A lot of preferred hotels are bookable with Choice

points through a special interface you have to go through. So there's quite a bit there. Yeah, I mean, well, yes, there are quite a few different options in that regard. But overall, a very limited set of transfer partners compared to everyone else out there. And I think we really expected them to expand their offering much faster than they have. They've kind of moved at a glacial pace

in terms of adding new transfer partners here. And we kind of in the beginning expected that almost monthly they'd probably be announcing new partnerships. And they haven't. So on that front, a little bit disappointing. However, the partners that they have are decent partners. So it's, you know, mixed bag there. They have far better partners than U.S. Bank does. And I say that. And of course, we record this on Thursday and publish it on Saturday. So for all I know, U.S. Bank is going to announce transfer partners tomorrow. But I make that joke because they've been promising transfer partners for altitude reserve cardholders for months now. And they haven't, at least as we record this, released to that capability yet.

And Wells Fargo does have that capability. Yeah. So. And you can tell that Nick, it doesn't listen to his own podcast because we actually publish on Fridays. So just so you know, Nick, it's not on Saturdays. Fridays. Fridays. That's right. It was Saturdays like two years ago, I think.

But that's true. That's true. Okay. So, yes, I think you almost forced U.S. Bank to come out with their transfer program over the next day or two. All right. So what cards are there? Let's talk about the Wells Fargo cards. Which cards are available and what's the deal with them?

Yeah. Okay. So they have autograph cards, plural, which are the ones that earn rewards that are. transferable to partners and they have cash back cards where as long as you have an autograph card you can move that cash back to the autograph card and then transfer to partners most of the cards have no annual fee there is one card with a $95 annual fee that we're going to talk about so you can get a bunch of cards that ultimately have transferable points for a total

annual fee of $95. Let's go through the rewards cards first, the autograph cards. You have the autograph journey card. That's the one card that has the annual fee that we're going to talk about. That's $95 a year. You get $50 of that back when you use the card to pay for airline purchase. So it's almost like a $45 card. Anyway, the autograph journey gives you 5x for hotel. that's really strong. I don't think there's any other card that does that. 4x for airlines, 3x for restaurants, and other travel. So, you know, your best, as far as travel goes, you're besting the old Sapphire Reserve card that had 3x for all travel by giving you a minimum of 3x for all travel a little bit more for airlines and a little bit, and more

than that for hotels. So that's, that's pretty darn good. You get 1x, sorry, did I say 3x restaurants and other travel? Yeah. I do have a definition here about what other travel means, because I think this is important to know. Because some cards that say they offer a bonus for travel don't include, for example, cruises or, you know, they have specific things that they offer. What Wells Fargo includes in other travel are timeshare rentals. automobile rentals, cruise lines, travel agencies, discount travel sites, and campgrounds. So quite a lot there.

What you're probably not getting is like booking tours. And that's common. I don't think most travel includes tour bookings, but I just want to point that out. This card has no foreign transaction fees. It does include trip cancellation and interruption protection. and it also has a very good cell phone protection with just a $25 deductible and $1,000 maximum per claim. So that's very strong as far as cell phone protection goes. Yeah, Wells Fargo has been a leader in cell phone protection in that regard for quite a while now offering excellent cell phone protection with really low deductibles.

And as somebody with a broken phone screen right now, I would appreciate that if I had been using my Wells Fargo card. although MX has decent coverage as well, so I won't be too disappointed. All right, that was the autograph journey card, the one with an annual fee. Let's talk also about the autograph card, which is the no annual fee card. And for those of you out there who had a built card, the built 1.0 card, this is the card that your old built card would have converted over to if you kept that account open. And I think Greg did and my wife did. So I know there are at least a few people out there that probably have this card now.

even if you didn't apply for it. So the autograph card, the no annual fee card, still offers 3x travel and transit, 3x gas stations, restaurants and phone plans, as well as streaming services. Now, we said 3x travel and transit. Transit includes things like passenger railways, taxis, limos, ferries, toll bridges, and highways, parking lots and garages. So depending on your use case, there's some potentially quite useful definitions or categories there are covered within the transit section. There's no foreign transaction fees. I love that because if we're going to include passenger railway, I want to be able to book train tickets in Europe and earn three points per dollar, and that's nice. And it has similar cell phone protection with the same $25 deductible, though on this

card only up to $600 maximum per claim. So it'll probably help you get a screen replaced, but not your whole phone necessarily, depending on the type of phone that you have with that $600 maximum per claim. So kind of an interesting card for no annual fee. That's pretty interesting. It actually really is. And to be clear, the autograph journey, the $95 card does not bonus transit. So it doesn't bonus things like trains and taxis and ferries. But this one does. So, you know, you could see them as as overlapping, but, you know, I think the ideal situation is to use the autograph. for its 3x categories in general, but then use, because it actually has more 3x categories

than the autograph journey. But if you're spending at a restaurant, an airline, or a hotel, then you're better off using the autograph journey for those purchases. So you can kind of just keep that in mind. Actually, it looks like restaurants included on both of them, but certainly on an airline or a hotel, you'd want the autograph journey.

You're right. I had that wrong. Yeah. Autograph is such a broad array of 3x categories that I didn't even notice restaurants in there. And I think it's notable that gas stations are in there as well. So it really does cover, you know, most of your travel at 3X, you know, and what we consider travel, not what is typically included in a travel, you know, card. So it's pretty darn good on its own, really, I think, for a travel card.

Okay. Yeah. Now, with either of them, you're not going to get travel protections of the quality of some higher-end cards that, you know, Chase offers or other issuers offer. But the journey is the one that has some coverage, not a lot. Okay. Okay. So those are the two rewards cards, two cards that earn points that are trained.

transferable directly. Let's talk cash back cards now. There are two options to get 2% cash back for all your spend. You can either get the active cash consumer card or the Signify Business card. They're basically, as far as it matters, the same card, just one's business and one's consumer because they both have no annual fee. They both give you 2% back everywhere, which if you're going to move this cash back to your autograph card, then it becomes 2x rewards everywhere. They both include 3% foreign transaction fees. So yuck, you know, we like to say you could take these three cards and get a minimum of 2x everywhere and then 3x in some categories four and five X and some other categories, but that's not true or not recommended when you are

outside of the United States because of that hefty 3x, 3% foreign transaction fee. There you go. All right. So that's 2%. That's your kind of base 2x. But there are, or on one of the cards, there are opportunities to get 4% on a lot of categories, right? Yeah. The crazy Attune card also has no annual fee.

Also, unfortunately, has 3% foreign transaction fees. But what it has going for it is a overwhelming list of 4% cashback categories. So that becomes 4x for sort of an almost everywhere card. I'm going to cover the categories, not the individual merchant types. I am not kidding when I say, like, if I listed all of the possible Forex merchant types, there must be over 100 of them. But it's still a long list by summing up. So I'm going to read this quickly and just, you know, see if you hear something that sounds interesting while I spit this all out. One big category is called self-care, and that includes gym memberships, spas, massage parlors, barbers,

barbershop, salons. And then you have another big category, which is called sports, recreation, and entertainment, which includes a category, a subcategory, I guess, called Create and Collect, which includes hobby shops, toys, games, art shops. Gardening and floral is another category. Other recreation and leisure activities. Now, remember, these are categories. So any number of merchants are under these.

Pet care, sports and recreational equipment, sports and live entertainment tickets, streaming, music, movies, and books. Whoa. All right, this category alone is a huge, huge list of things. Then you've got planet-friendly purchases like EV charging stations, riding public transportation and purchasing select secondhand and vintage. So the subcategories under this are antique shops, bus lines, EV charging stations, local and suburban commuter passenger.

transportation, including ferries, passenger railways, other transportation services. So this one is kind of like the transit category that the autograph card offers at 3x, but this one offers it at 4x. Again, though, it does have foreign transaction fees. So, yeah, what do you think about this a tune card, Nick? You know, I think it's super interesting. It's so wide. And seriously, if you go online and start to do some research on it, you'll see that, like, there's just an incredible number. Like, Greg's really giving you the summary version of what this card offers Forexon. But the challenge is not always knowing whether the particular merchant that you're going

to, you know, be spending money with is going to categorize properly under one of these. Because, you know, sometimes a business sounds like one thing, but actually behind the scenes, their merchant category code doesn't line up to be exactly that. And so it becomes a little bit of a gamble in the sense that, all right, I'm going to use this and hope to get my 4x, but maybe I'll get 1x if I'm wrong. And so that's the slight bit of frustration. On the flip side, if you can make some test purchases and figure it out, you probably could be earning 4x on some purchases that you're going to be making anyway that you probably

are not earning 4X on right now. Yeah, yeah. I mean, you know, I think there's probably a lot of people that spend a lot just in that self-care category. So, you know, beauty salons, gym memberships, fitness studios, health and beauty spas, massage parlors. I mean, there's a lot of potential spending there that you can use that card for. You get 4x for all that pet care. You know, I'm going on to the next one, gardening and floor. I mean, it just goes on and on and on.

Right. You see live entertainment a lot. You know, you can spend a lot there, the transit things. So these things really, really add up. And there are some, I don't remember the exact category. I remember you pointing out when we last talked about this card that there's something like yachts. Oh, yeah, like marina. Marina fees, like the feed to store your boat at the local marina that lets fit under the sports and recreation.

Right. So that's got to cost a fortune to do, right? And so to get 4X for that, that would be big. Anyway, so there's a lot of potential there. So you can imagine having a combination of cards. You could have, you could get the autograph, the autograph journey, and the attune card, and a 2% card. So you've got four cards now where you'd be earning between 3x and 5x for all your travel, depending on which card you use and for what.

You'd be earning 4x on a huge number of categories thanks to this attuned card. and then you'd be using earning 2x on all other domestic purchases because, again, I don't recommend using the 2% cashback card outside of the United States where you'd be charged a 3% foreign transaction fee. And to be clear, the Attune card also has the 3% foreign transaction fee. So that's an obstacle there as well. Although if you're earning four points per dollar, you may determine that that's worth paying. I don't know.

It depends on what your other options are. It's questionable. Yeah. I mean, if you had these four cards, I think for most international purchases, I would just use one of the autograph cards so that you're getting at least one X and just hope the thing codes as a, you know, travel for some reason. All right. So if you're going to have a combo, do you need to have all of them?

I mean, no, you definitely don't need to have all of them. you know, I think though picking which combination is right for you depends on a number of things. It depends, you know, one, do you have other cards that you, you know, you don't have to earn only Wells Fargo points. So you might be better off, for example, with a capital one, 2X everywhere, a card as your base card instead of a 2% cashback card. and those Capital One cards have no foreign transaction fees. So Capital One has a number of cards that give you that, just as one example. And then you can pick and choose the others based on what categories matter to you and what other cards you might have that where you could get even better earnings.

So between Wells Fargo and City, I mean, a city you could also have a $95 set up by just getting the premier card and then a custom cash card or two could cover five X in a lot of different categories. I mean, what would make Wells Fargo more interesting? Who would it be more interesting than a city set up for? So if you were to take city, right, you could have a double cash card, you could have a custom cash card, and you could have a thank you premier. So you get two X everywhere, also with the foreign transaction fee, similar to Wells Fargo. You could be getting, uh, you know, 5x up to $500 spend per month in one category in some popular categories and then 3x on a number of the same 3x categories that you can get on these cards. So what's the advantage and a wider

set of transfer partners in general? So what's the advantage for Wells Farco? What, you know, who is this this sort of combo or setup ideally for? Okay. Yeah, it's it's a tough sell because as you said, The city strata premier card has a broad array of three X categories. And there's other ways to earn like up to 5x and 2x everywhere with City, all for that same $95 combined annual fee. And City has a much stronger airline transfer partners, including American Airlines. They've got some really good ones.

I think that the main reasons would be that there's a couple of areas. one if if you're interested in broad travel rewards like rewards for a broad set of travel purchases cities got you covered for like flights and hotels at 3x but it doesn't have this kind of transit cruises all this other stuff so that's where you're going to want to go that's why you might be interested in Wells Fargo if you if you want a really good earning card for a wide array of travel-related purchases. And then, of course, if you spend a lot in any of the categories where you get 4x with the Attune card or 4 or 5x with the Autograph Journey card,

you can do really well. And as we talked about earlier, the Attune card has some categories that I think most people will probably look at at least one of those categories and say, yeah, I spend thousands of dollars every year in that category. And then if you're looking at getting 4x, you know, wow, I've been only getting 1 or 2x for that. Now I can get 4x and double or quadruple my earnings for those purchases. That could be a big driver. Finally, if you're just really into Wyndham or Choice Privileges, being able transfer a double for those is really good.

Good. All right. That said, let's talk about the weaknesses of the Wells Fargo setup. We touched on our ready doesn't have many transfer partners. It really needs to shore that up. Add more Wells Fargo, please. And keep adding them at one to two. That would be cool. Wells Fargo has not had any transfer bonuses. Our transfer bonus page, we keep a list of historical bonuses. I search for Welles on there and didn't find a single one. It doesn't have many big sign-up bonus opportunities, so the autographed journey has a good

sign-up bonus that others tend to be weaker. There's no grocery store bonus on their credit cards that I could find. So that's similar to, like, Chase, but most of the transferable points programs have some way

to earn a better multiple. at grocery stores. And the 4X attune card sounds great in practice, but, I mean, sounds great, but in practice, I think it'd be really hard to use as you're like a daily driver. So I think the way to use it is to identify in advance. I spend a lot on this, that, and the other thing. So I'm going to specifically target using that card for those things. But if you're just out shopping and you walk into,

a, you know, a Michael's store and you say, this seems arts like an art supply or whatever. Isn't that one of the categories? Like, you're not going to have any idea. And are you really going to want to go look up the terms and conditions to see whether you might earn Forex on this? And then if you don't, you end up getting just one. And I think that's just really, really awkward.

Yeah, I think it's unfortunate. It's too bad that it's that way. But, again, there are some things in there that I think, I think, almost everyone, like you said, is going to find something in there that they're like, wow, I do spend a lot of money. I don't know, for instance, in the sports and entertainment, does that include lift tickets at ski resorts and, you know, ski resort purchases? But if it did, I know some people that spend a lot of money every year skiing in different

places. And so there's a lot of those types of things where I think that you might look at it and say, oh, my goodness, I'm spending a ton of dance lessons from my kids. And that's maybe included in one of the categories. So whatever it might be, I think, you know, you're more likely to find something. But yeah, I totally agree that you're probably just going to identify the one or two or three things and not be testing that out all the time. And that is a downside.

But overall, I think Wells Fargo has a pretty interesting lineup at this point. It really does. And, you know, there's a lot of potential upside. And it does have the weakness, as we mentioned. But overall, it's great to see it sort of rising. and becoming more interesting than it was before, as we said at the onset, partly thanks to Wells Fargo adding a new transfer partner at a very attractive rate, and partly because of other programs kind of slipping in what they were offering before.

Hopefully they'll continue to, like you said, kind of shore things up with more transfer partners because that really would make a huge difference. Yeah. All right. I think that wraps up our main event and brings us to this week's question of the week. this week's question of the week comes in from me. This morning, I had a question that popped into my head that I wanted to get your input on. So it's a theoretical, but I'm curious to hit you with this theoretical and see where you go with it.

So what I want to know is if you had the capacity to spend toward one elite status, and I mean one elite status period in our hobby, so take your pick. If you had the capacity to spend towards one and only one, which one would it be? And I want to be clear that like something like Hilton Diamond, you could get that from just the Aspire card. So unless you're going to argue why you should spend to it on the surpass card, that one probably wouldn't make sense because you could get that just by getting a credit card. Right. But when it comes to spending towards elite status, which elite status, and I'm not even going to cap how much you could spend. So I'm not even going to tell you you couldn't spend all the way to Delta Diamond or whatever. Imagine you don't have any statuses though right now. So don't think about the status you already have.

have, if you could only spend your way to one elite status in the hobby, which elite status would it be? Yeah. And let me ask a clarifying question. Am I limiting to statuses where it's possible to spend your way to versus like the Hilton Diamond Reserve where you can't, you can't credit card spend your way? You have to actually spend a certain amount. Yeah, that's a great. That's a great question. Yes. So only status is that you can spend your way to. And if you want to argue that you would spend $250,000 for, you know, Delta Diamond or whatever, I don't even know what it is these days. You'd have to actually spend to get your way to Delta Diamond. But if you're going to argue something like that, then you've got to justify why you would spend so much on that particular status. So which status is it that you would spend to? Yes, out of ones that you can spend to spend to. If you could only, because I think a lot of people find themselves in that scenario, right? Where they don't have unlimited spend to spend towards status with every program. out there, but they might have enough spend to spend toward an elite status. Now, whether or not that makes sense at all is a whole other conversation. But if you had to pick one out, which one would it be? Yeah, yeah. Well, you know, it's a tough call between Hyatt or an airline program.

So, you know, Hyatt, you get all those benefits, all the milestone rewards, and you get the benefits of globalist status when you spend to the top tier. There's a lot of great. There's a lot of great stuff there. On the other hand, most of those things are possible to get other ways by getting a guest of honor or using points to book a suite, things like that. So I think I would lean towards airline program because having top tier status in certain airline programs can give you things like international upgrades from economy to business and other, like, really useful benefits that can mean a lot. I would, for me, it really depends on where you tend to fly out of. So, you know, I fly out of Detroit Airport most of the time. That's a Delta hub.

if I'm spending my way to elite status, it'd be with Delta because I'm going to get the most opportunity to use the perks there. And, you know, things like global upgrade certificates, I often use to, you know, fly in business class by buying economy or premium economy and get a lot of value from that. And so that's what I would do. But if I was somewhere else, if I was in... New Jersey, I would do United because I'd be flying United all the time out of Newark. And, you know, you get all the benefits that United has.

So I'd say the answer has got to be based on, you know, what airline you're going to use the perks on. That's interesting. It's very interesting because airline status is something I've chased in recent years through spend, but something that rarely ever mattered to me. and still probably rarely matters to me if I didn't write about it for a living. I don't know that I would continue to go after it because most of the time when I'm traveling, it's on an award ticket and more often than not, particularly if it's international, it's a business class award already. So, I'm not using that many of the airline elite benefits. And the amount of spend required at what is typically like 1X airline miles makes it sort of tough to justify. The reason that this question

popped into my mind. So now to give you full disclosure, and you'll probably see where I'm going before I even get there, is that somebody in our frequent Miler Insiders Facebook group basically asked, who is the Alaska Summit card for? They were having a hard time finding why that was interesting. And a couple of the arguments that readers made, of course, everybody talked about the $12.50 partner fee waiver when you're booking awards. You don't have to pay that. But a couple of the other key arguments that came up again and again are that the card earns three X on foreign transactions and that it earns at an accelerated rate towards Alaska elite status, both of which are pretty cool. However, as I thought about it, I was like, well, but the built palladium card

essentially earns 3x on all purchases, not just foreign if you're using your built cash to buy the accelerator, right? On up to $25,000 in purchases per year, it transfers to Alaska, so they could be 3x Alaska miles or any of their other partners. And with elite status with built, I would potentially get access to all of the big partner, transfer partner bonuses. And so as I got thinking about it, I was like, I thought to myself, would I spend that much mostly at 1X or even if it was mostly at 3x on foreign purchases? When I spent that much on an Alaska card specifically for Alaska status. And then I got thinking, well, I did that on an American.

I spent a lot at 1X on American cards for American status. And as I thought about it more, I thought to myself, if I had to pick one, it might be built status. because of the transfer bonuses and because I'm not sacrificing anything on the spend to get there. Because you mentioned Hyatt, and Hyatt's one where I've often spent to bridge a gap towards globalist,

but I'm spending at 1x. And I could be spending at 3x and, of course, not getting the globalist benefits. So it's a trade-off. It's a different set of benefits, but I wondered where that fits in versus airline and hotel benefits. That's really interesting.

Yeah, you know, I think to some degree, I misunderstood where you're going with a question because No, you understood. I wanted to trap you and get you into this. Well, yeah. I mean, one of the things I said that may be misconstrued. So spending your way to Delta, United status, depending on the situation,

like I was just saying like sort of like if there was no cost to the spend, what would I do? But I think in real life, you have to think about what am I losing out by spending 1X on United cards, and United requires like hundreds of thousands of dollars to spend to get high-level elite status with them. What are you losing out on by doing that? And I would do that math and probably say, no, that's not a good idea. Delta's different because, yeah, you're losing out by doing that 1-X spend on Delta cards.

but you get, if you have enough like Delta credit cards, you get these status boots and things. And so the amount of spending required is much lower than with United, like way, way lower. Yeah, yeah. You know, but as far as you're talking about, I mean, I didn't even consider Bill. And you knew that one. You know, you kind of. Yeah, I knew you weren't going to consider Bill. Yeah.

Right, right. The question was built that way. I think built is a great answer. You know, Bill, it has its own elite status program. You can get it entirely through spend. And because the spend, if you have the palladium card, you're getting at least 2x. But as Nick pointed out, you could be earning 3x if you use the accelerator. You could be earning more than 3x if you're paying for housing with the built card as well,

or through built as well. And then it's rewarding because when you have high level status, their transfer bonuses give you many more points. And they also give you miscellaneous other perks like free blade helicopter rides and things like that. So yeah, built a awesome answer. I thought it was interesting because it just popped into my head this morning as I thought about it. Because I thought about all the I've spent towards JetBlue statuses, spent towards other statuses. And I hadn't thought about it through that lens until somebody was like, oh, but you're in three.

X on all foreign purchases, and I'm using that a lot with Alaska. And that's something we've talked about. The Alaska Summit card does offer 3X on foreign purchases. And how cool and interesting that is. And then I thought about the Bilt card. And the Bilt card has its limitations because, you know, those accelerators to earn 3X, it's only up to $5,000 spend. Then you got to activate another one, depending on where you are in that cycle. You might end up not being able to activate the accelerator when you want. A purchase might take you over and you're not. There's definitely some limitations. It's not the be all and end all, but I thought to myself, well, I wouldn't be sacrificing anything because it's a card that we're using all the time right now anyway for

essentially 3x everywhere. So it's a card I want to be using for unbonous purchases and the status is kind of useful. So if I were going to spend towards only one, that might be it, which is if you asked me that question without that having popped into my head initially, I'd had a similar answer to you probably. So I just thought that was kind of an interesting thing to ponder for people that are out there considering big spend and where it should go. All right, that brings us to the end of today's show. If you enjoyed this episode and you like to get more of this stuff in your inbox each day or each week, you want to go to frequent myler.com slash subscribe to join our email list.

Follow us on all the various social media. Join our frequent miler insider's Facebook group where you can discuss stuff like this all the time and wherever you're watching or listening. Don't forget to give this a like or a thumbs up or leave us a review. We appreciate hearing from you. Speaking about hearing from you, if you have a question that you'd like to be considered for a question of the week or a piece of feedback that you'd like to be considered for the giant mailbag. You can send that to mailbag. Send it to mailbag at frequent myler.com.

Bye everybody. If you love travel but don't always have time to plan, we've got a podcast for you. It's called Travel in 10. And in every episode, in about 10 minutes, we give you a smart, practical overview of destinations all around the world. We cover what to see, where to stay, where to eat, what actually matters when you're planning out a truck? It's designed for real life. Listen on the way to the airport, in the car, or while you're thinking about your next getaway.

So if you want expert advice, zero fluff, and travel inspiration that you can actually use, search for travel and tin wherever you listen to podcasts, or you can also find us at voyescape.com. Hi, I'm Mike Siegel, host of the Travel Tales podcast, and I'm a stand-up comedian who's been touring the world for years, and when I'm not traveling for work, I'm traveling for fun. And when I'm not traveling at all,

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