#298: Chris breaks down how to earn airline miles and transferable points on money you’re already saving or investing (and whether the rewards are actually worth the tradeoffs). He compares mileage-earning bank accounts from Bask, United and Alaska, the new Bank of America and Alaska transfer partnership, Silo’s brokerage rewards program, and Symphony’s higher-yield approach. Plus, the welcome offers ending this fall that change the first-year math, and a short interview with Symphony's founders.
Link to Full Show Notes: https://chrishutchins.com/earn-points-on-savings/
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Resources Mentioned
Silo Markets (← 250k Bonus)
Symphony (← Referral Bonus)
Bask Bank
Atmos debit card (← 20% off coupon)
Odynn
point.me
ATH Podcast
#131: Maximize Earnings on Cash, CD Ladders, Bank Bonuses, Bulk Buying, and Automating Returns
#195: 50+ Ways to Earn More Points and Miles Without Spending More
#262: Points & Miles in 2026: What's New, What's Dying & What's Next with Brian M
#288: Where to Keep Your Cash for the Highest Return
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Full Show Notes
(00:00) Introduction
(00:50) How to Earn Points on Your Savings
(05:01) Bank Accounts That Pay Airline Miles
(05:41) Earning American Miles with Bask Bank
(14:13) Why United's Mileage Debit Card Falls Short
(17:09) Alaska’s Upcoming Rewards Banking Account
(17:48) Boosting Bank of America Points, Now Transferable to Alaska
(20:29) How Silo Pays Points on Your Brokerage Account
(26:22) Changes Coming to Silo on November 1st
(32:40) Silo's New Welcome Bonus
(35:52) Can You Trust Silo With Your Investments?
(36:31) Earning 5% or 5X Points with Symphony
(38:52) Where Your Money Actually Goes at Symphony
(39:22) Bucket 1: Treasury Bills
(40:18) Bucket 2: CLOs
(41:37) Bucket 3: Private Credit
(43:24) Bucket 4: Crypto Lending
(46:20) Pooled Accounts and SIPC Protection
(46:57) What the Crypto Wallet Does (and Doesn't) Protect
(47:33) How Fast You Can Get Your Money Out
(49:17) Risk #1: The Rate Gets Cut
(49:55) Risk #2: Withdrawals Slow Down
(50:17) Risk #3: You Lose Part of Your Investment
(51:05) Risk #4: An FTX-Style Collapse
(51:49) My Overall Take on Symphony
(54:21) Breaking Down Symphony's Welcome Offer
(57:04) Recap: Mileage Bank Accounts
(58:38) Recap: Silo
(59:57) Recap: Symphony
(01:02:02) Interview with Symphony's Founders
(01:04:01) How Symphony Layers Its Risk Protection
(01:08:02) What Happens If Everyone Withdraws at Once
(01:09:54) Why the Blockchain Ledger Matters If Symphony Goes Away
(01:16:15) What’s Next: Transfer Partners, Experiences and AI Booking
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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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