Michael Martinez Finance - Credit Cards, Travel Hacking, Wealth Building

Spend Audit

Michael Martinez Finance Spend Audit

Looking to Travel or Earn More While Spending Less?

One Call. A Custom Plan to Stop Losing Hundreds Every Year.

You walk away with a custom credit card strategy, a 12-month roadmap, and the exact math on what you’re missing.
Whether you have 1 card or 10.

$97

Book My Spend Audit

Secure checkout via Stripe. Takes 2 minutes.

One card at 1.5x
~$540/yr
→
Right system
$1,200+/yr

Same spend. Different strategy.

The 4 Money Leaks

Where Your Rewards Disappear

Most people have decent cards. The problem is how they use them.

  • 1. Excess annual fees from card overlap. Paying for premium cards with overlapping benefits. Two cards covering the same categories means double fees for redundant perks.
  • 2. Credits that don’t fit your lifestyle. Your card has annual credits, but they’re for things you don’t use. The fee stays, the value doesn’t.
  • 3. Paying with a debit card. Missing out on rewards, purchase protection, and credit building on money you’re already spending.
  • 4. Using one card for everything. No dedicated system means your groceries, gas, dining, and subscriptions all earn the same low rate when each could earn 3-5x more.

Any one of these could mean hundreds per year in free money you’re leaving behind.

Run the Numbers

Same Spend. Different Strategy.

One card at 1.5x
~$540/yr
→
Right 2-3 card system
$1,200-$1,800/yr
That’s $660-$1,260 you’re missing every year.
Based on $3,200/mo total spend across typical categories.

The audit costs less than most annual fees. It pays for itself in weeks.

What You Get

A Custom Strategy Built on Your Numbers

  • → Full review of your current cards and spending patterns
  • → Card recommendations tailored to your specific spend categories
  • → A 12-month roadmap: what to get, when, and why
  • → Strategies to maximize cash back or travel rewards, based on your goals
  • → Clear next steps so you know exactly what to do after the call

Delivered on a 30-minute video call where we review everything together.

How It Works

Three Steps. One Custom Plan.

1

Book

Secure your spot and fill out a quick intake form with your current cards, monthly spending, and goals.

2

Analyze

I map your spending to your cards category by category, find the leaks, and build your custom strategy.

3

Review

30-minute call where I walk you through your custom breakdown, answer questions, and lay out your action plan.

See How I Think

The Kind of Strategy Most People Miss

This is how I approach card optimization. Real math, real strategy, real value most people overlook.

Real Results

What an Audit Actually Looks Like

Mid-20s professional. $65K income. No credit cards. Uses a debit card for everything. Total monthly spend around $3,200. Goal: cash back.

They were earning $0 in rewards on money they were already spending. Here’s what we built:

CategoryThe RecommendationCash Back Earned
Dining ($650/mo)Capital One Savor at 3%$234/yr
Groceries ($550/mo)Citi Custom Cash at 5%$306/yr
Gas ($200/mo)Citi Double Cash at 2%$48/yr
Everything else ($1,800/mo)Citi Double Cash at 2%$432/yr
Total Cash Back3 cards, all $0 annual fee$1,020/yr

Went from $0 to $1,020/year in cash back. Same spending. Zero annual fees. The audit paid for itself in about 5 weeks.

Details changed for privacy. Individual results depend on your cards, spending, and goals.

Book My Spend Audit
What to Expect

After You Book

Book

Secure checkout

Intake Form

2 minutes

Deep Dive

5 business days

Review Call

30 minutes

Questions

Frequently Asked

What happens after I pay?
You get a short intake form where you share your current cards, monthly spending by category, and your goals (cash back, travel, or both). I use that to build your custom strategy. You’ll hear from me within 5 business days to schedule your review call.
I only have 1 or 2 cards. Is this still worth it?
This is actually where most people leave the most money on the table. If you spend $2,000+ per month and pay your balance in full, there is almost always a smarter setup than a single card. The audit will show you exactly what that looks like for your spending.
How is this different from the free ROI Calculator?
The calculator shows you multipliers and break-even math for individual cards. The audit maps your actual spending across all categories, identifies gaps across your full portfolio, and gives you a specific action plan with a 12-month roadmap. It’s the difference between a tool and a strategy.
Is this for cash back or travel rewards?
Both. The plan is built around your goals. If you want cash back, we optimize for that. If you want to stack travel points, we build a transfer partner strategy. If you want a mix, we do that too. You tell me what matters to you.
How long until I see results?
You walk away from the call with a clear action plan. Most people can start earning more within the first billing cycle after making their first card change. The full 12-month roadmap builds over time as you add cards strategically.
Do you recommend specific cards? Do you use affiliate links?
Yes and yes. I recommend specific cards based on your spend profile. Some may have affiliate links, which I always disclose. But I only recommend cards where the math supports it for your situation. If no card change makes sense, I will tell you that.
I think I’m already optimized. Will you still find something?
In every audit I have done, I have found at least a few hundred dollars in missed value per year. Overlapping credits, suboptimal category mapping, and transfer partner blind spots are incredibly common even among experienced card holders.
Ready to Optimize?

Your Cards Are Working. Let’s Make Them Work Harder.

New to credit cards?

Not sure where to start? That’s exactly what this is for. One call, one custom plan, zero guesswork.

Already have a setup?

Think your stack is solid? Most people I audit are leaving $500+ on the table. Let’s find out.

30-minute review. Custom strategy. $97.

Book My Spend Audit

Secure checkout via Stripe

This is a paid consulting service, not financial advice. I am not a financial advisor or CPA. Card recommendations are based on personal experience, publicly available data, and math. Point valuations reference TPG and Frequent Miler estimates. Actual value varies by redemption and individual spending. The example above is from a real audit with details changed for privacy and is not a projection of your results. Individual outcomes depend on your specific cards, spending, and goals. Some card recommendations may include affiliate links, which are always disclosed. Terms apply. Pay your balance in full. Applying for a credit card results in a hard inquiry.

© 2026 Michael Martinez Finance. All rights reserved.

$97 Book My Spend Audit