Value Insiders is the brainchild of Mike Murphy: an expert at maximizing the value of points and rewards programs for free flights, hotels, and vacations. I’ll also show you how to shop online and get the best deals by utilizing the right combination of credit cards, cashback, and promo codes to save money on purchases.

No matter what your income level is or how much annual spend you generate, I am committed to showing you a path towards free travel, free food, and making your hard-earned shopping dollars go further.

It will take me some time to build up the foundation of this website, please be patient while I create high-value content that is informative and easy to read and understand.

Here is a sample of the types of tips I provide, and how I can help you learn to maximize how you earn points and and get the most value out of rewards redemptions and online shopping:

  • How to earn the most credit card points, rewards, and cashback with the money you are already spending
  • Taking advantage of sign up bonuses and loyalty programs to earn more points
  • How to use cashback and gift cards to multiply or “double and trip dip” the rewards you are already earning

Once you accumulate enough points, I will help you learn about:

  • Booking free flights with points
  • Using points for free stays at resorts and hotels
  • Saving money on every day purchases
  • Eating out at your favorite restaurants for less

What’s In My Wallet?

Right now, I am mostly invested in using the Chase ecosystem. I have several Chase credit cards that allow me to earn the most points for each dollar I spend in my personal life, and in business.

I currently have the following personal Chase credit cards and highly recommend them as foundational to building up enough points:

  • Chase Sapphire Reserve
  • Chase Freedom Unlimited

I also have two airline specific cards, both are crucial to maximizing my travel experience:

  • United Explorer Card
  • Delta Amex Gold card.

I also run a few online businesses, so I can cycle business expenses through a number of business credit cards. I currently have and use the following:

  • Chase Ink