The Credit Card & Travel Points Masterclass

Build elite credit.
Earn massive points.
Travel the world for (almost) free.

The exact system Justin Ashby uses to take 10+ trips a year — 95% of them paid with points — without spending an extra dollar. Same spending. Smarter strategy.

See Enrollment Options → What You'll Learn
95%
Trips on Points
10+
Countries Visited
8
Module Curriculum
Justin in the Maldives
The Maldives — Overwater Bungalow Booked with points. Same spending, smarter cards.
700+
Target Credit Score
150K
Welcome Bonus Points
2x
Value via Transfers
$3K+
Business Class Flights
The Curriculum

Eight modules. One complete system.

From a 500 credit score to first-class flights — every step, in order, with the exact tools and tactics that work in 2026.

01

Introduction

Why this works, why most people get it wrong, and the mindset shift that changes everything.

02

Building & Repairing Credit

Repair mode, level-up mode, rewards mode. Exactly what to do based on your current score.

03

Choosing the Right Cards

Beginner travel, premium travel, cash back, everyday — the right cards for your lifestyle.

04

Using Cards the Right Way

The golden rule. Where most people mess up. The personal strategy that protects your score.

05

Maximizing Points & Rewards

Welcome bonuses, category stacking, and the framework for earning faster every month.

06

Travel Hacking Strategies

Transfer partners, award-rate math, and how a $3,000 business class seat becomes 60K points.

07

The Do's & Don'ts

The seven habits that protect your score — and the seven that quietly destroy it.

08

Tools & Resources

The exact apps, sites, and trackers Justin uses every week to find deals before everyone else.

Justin Ashby in Rome
About Your Instructor

Hey, I'm Justin Ashby.

In October 2024, I posted on Facebook asking if people wanted to learn how I use credit cards to travel and build wealth. The response was overwhelming — and that's what led to this program.

If you know me, you've seen me traveling constantly — almost every month — with 95% of those trips paid for with points. The Maldives. Italy. France. Germany. Mexico. Greece. I'm not spending more money — I'm just using everyday spending smarter.

Now I'm pulling back the curtain on the exact system: what cards to get, how to use them, how to stack points, and how to turn ordinary spending into extraordinary travel.

RealtorKeller Williams Elite
BasedLancaster, PA
Contact717-380-5517
The Shift That Changes Everything

It's not what you spend.
It's how you spend.

Old Thinking

  • "I'll use my debit card so I don't overspend."
  • "I'll save up cash for big purchases."
  • "Credit cards are dangerous."
  • "Rewards are too complicated to bother."

New Thinking

  • "My card is a middleman — not extra money."
  • "Route everything through the card, pay it off."
  • "Every dollar I spend earns me points."
  • "Same money, smarter system, better life."
Enrollment

Pick the level that fits you.

Every package includes lifetime access to the masterclass. The higher tiers add 1-on-1 time with Justin.

Self-Paced Download

The full masterclass — yours to work through on your own.

$69.99one-time
  • Downloadable slide deck — all 8 modules
  • Lifetime access (yours to keep)
  • Card recommendation cheat sheets
  • Repair Mode → Rewards Mode roadmap
  • Tools & resources vault
Get the Download
Hands-On

VIP Coaching

The masterclass plus a 1-on-1 Zoom with Justin.

$179.99one-time
  • Everything in the Self-Paced Download
  • 1-on-1 Zoom call with Justin
  • We dig into your situation — score, debt, cards, goals
  • Personalized card-stack & points strategy
  • Custom plan to maximize your everyday spending
Enroll + Book Call
Included with VIP

Get a 1-on-1 Zoom with Justin.

VIP buyers receive a private booking link to Justin's calendar immediately after purchase. We'll dig into your credit, your cards, and how to make your everyday spending work harder.

Enroll in VIP — $179.99 Have a Question?
FAQ

Common questions.

Do I need a great credit score to start?
No. The very first module is "Building & Repairing Credit" — whether you're under 600, climbing through the 600s, or already at 700+, there's a specific roadmap for where you are right now.
How is this different from free advice on YouTube?
Free advice is scattered across thousands of videos. This is one organized system — in order — with the exact cards, the exact strategy, and the exact tools that work in 2026. And with VIP, you get a 1-on-1 Zoom to apply it directly to your situation.
Will I have to spend more money to earn points?
That's the whole point: no. You re-route the spending you're already doing — groceries, gas, bills, dining — through the right cards, and pay them off immediately. Same money in, more value out.
How long do I have access?
Lifetime access on both tiers. The slide deck is yours to keep and reference whenever you need it.
What if I'm not happy with the course?
Reach out within 14 days and we'll make it right. The system works — but only if you're willing to apply it.