Pedro Pla

Pedro Pla

Hi, I'm Pedro Pla, seasoned traveler, computer geek and co-founder of I've been living a nomadic lifestyle since I was born (went to three continents before I turned 3). My passion and knowledge of credit cards stemmed partly from my obsession with collecting airline miles, and partly from wanting to get more for my money.


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Hi! We're Pedro Pla & Grace Cheng, avid miles collectors. We recently redeemed 4 Business Class Round-the-World tickets worth $54,000 using credit card points. Get our FREE daily newsletter with travel news, deals and offers.

How We Rate Credit Cards

At we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees.

Cards are rated by our team based primarily on the basis of value for money to the cardholder. The team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.