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Anne Selects: Not Just a Travel Hack, A Financial Eye-Opener

Anne Selects: Not Just a Travel Hack, A Financial Eye-Opener

What I wish I knew sooner about the US Banking System.

Anne Benissan
August 07, 2025

THE COMPLEX US BANKING SYSTEM

The PROBLEM

Most people underuse the U.S. banking system—not because they don’t have access, but because they don’t fully understand how to benefit from it.

Credit cards, in particular, are often misunderstood. Many people stick to a single card out of caution, avoiding debt—which is wise—but they miss out on the value hidden in rewards programs, sign-up bonuses, and spending categories.

Used strategically, these tools can turn everyday expenses into meaningful returns. But without guidance, they’re either feared or ignored.

The PICK

The course I recommend is called Lux Travel Hacks by Andy Cantu. While it’s marketed toward those looking to travel in luxury, it’s so much more than that.

This class breaks down the U.S. banking and credit card system in a way that’s both accessible and eye-opening. You’ll learn:

How banks and credit card companies make money.
What is a credit score, and how to improve it.
How to evaluate credit cards based on rewards, fees, and structure, and whether airline cards provide meaningful value.
How to earn points and redeem rewards smartly.
How to turn everyday expenses into flights, upgrades, or cash.

It also includes access to a private Facebook group, where members exchange tips and get questions answered, making it feel like a guided journey.

I originally signed up for travel purposes, but what I learned about the banking system, payments, and card strategy has completely changed how I manage spending. I’ve since earned over $1,000 in cash rewards and booked a business-class ticket to Paris, simply by using points.

I don’t have many cards, but I know how to use them—and that’s the point.
Your expenses should work for you.

If you’ve ever wanted to feel in control of the system instead of confused by it, this class is an ideal summer deep dive.

Learn more about Lux Travel Hacks and its founder, Andy Cantu

Why this Course?

This class gives you the whole picture: how credit cards, banks, and points systems work, and how to use them to your advantage.

I only apply about 30% of what Andy teaches, and it’s already paid off. The videos are clear, practical, and surprisingly enjoyable to watch.

You’ll also finally understand your credit score and how to improve it while earning rewards.

Behind the Pick

I took this class almost two years ago, and I’m still impressed. Andy and his team continue to answer my questions, long after I enrolled.

Banks often avoid transparency. The credit card system is designed to be confusing. Andy made it his full-time mission to understand how it works and how to use it strategically.

Now, he travels in luxury without paying luxury prices. This course is his playbook, and he shares it in a way that’s practical, honest, and deeply useful.

TAKEAWAY

This class puts you in the driver’s seat of your financial life in the U.S. You’ll not only master your credit score, you’ll understand its true value.

And once you do, you’ll choose the perks that actually work for you.
Welcome to America, fully unlocked.

WHAT IS NEXT?

Have a wonderful summer! Please let me know what you think, or hit reply to say hello.