Talk about ‘sticking it to the man.’

This young Wall Street couple racked up over 2 million airline points by opening up 26 credit cards within a year. Yeah, that’s one every other week.


Chad and Hannah Janis, 25, spent an entire year opening credit cards in order to pile up airline miles. The couple moved to New York in 2017 to work on Wall Street after they met in Utah. The Janis said they managed to earn up to $225,000 in their 12 months of banking, but their jobs were always just a means to an end.

After quitting their jobs, Chad and Hannah said they have saved up to $84,000 and are now able to fly to 40 countries ‘for free.’ Their tickets are already booked and they are flying business class across the globe this year for free. Hannah says it’s a once in a lifetime trip. She joked on an Instagram post on their first stop in Hawaii where Chad was called “Bruddah” and he hasn’t been the same since.

Their key to success?

The couple said they took the time to understand how to get credit card bonuses by spending just enough money to hit the ‘minimal spending requirement’ threshold.


Mr. Janis said, “We’ve already booked out the next eight months of free flights, the majority of which were through Singapore Airlines’ business class round-the-world offering (240,000 points per person).”

From there the couple used the points they’ve earned with other airlines through their cards’ sign-up bonuses to book ancillary, ‘shorter’ flight tickets such as their flight from Auckland, New Zealand to Vava’u, Tonga, and many more.

“We also have several hundred thousand points with hotel programs” Chad added. Some of the cards they opened were linked to hotel reward groups such as Chase Marriott Rewards, which saw them save $6,000 by getting a week-long stay at a Marriott resort in Fuji.

Through their savvy credit card strategy, Hannah raised her credit score 128 points in 15 months, while Chad raised his score to 805.


You can follow their journey on their Instagram profile @hannahandchad. You can also learn more on their website Wall Street Minimalist; where they break down each credit card, explain how they earned 2 million points in 12 months and even teach visitors how to raise their credit scores.


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