How to Earn Points on Your Savings and Investments

#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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