Welcome to MULTIPLY with Kareen Mills!

My name is Kareen Mills.  I was made in the Philippines, born and raised.

I was a shy immigrant now a shining Strategist and Mentor to W2 Professionals and Entrepreneurs. I help them MULTIPLY money, time & impact while they sleep.

My clients work hard for their money while they’re awake. I help them find ways to MULTIPLY their income and optimize their spend while they sleep.

I’m what they call “self-made” yet we all know no one is truly self-made.

The ground floor to my mentorship ecosystem is credit card sequencing and financial literacy.  

This site exist to host a suite of credit cards that I would normally recommend to my students, clients and network of professionals and influencers.

The details of each card is subject to change at any time depending on the day.

♥️ Kareen Mills

MileValue is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.

Our Favorites


Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Terms Apply.
Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Earn 15,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms apply.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Earn 100,000 Chase Ultimate Rewards Points after you spend $15,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

American Express


Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Terms Apply.
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
Earn 30,000 Membership Rewards Points after you spend $2,000 in the first 3 months. Terms Apply.
Earn 15,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms apply.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms apply.
 

Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
Earn 10,000 bonus miles after you spend $500 in the first 3 months. Terms Apply.
 

Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Limited time offer expires 11/2/22.
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership.
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.

Capital One


Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening.
 

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
 

50,000 miles after spending $4,500 in the first 3 months
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening

Chase


Personal Cards

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Earn 60,000 Chase Ultimate Rewards® Points after you spend $4,000 on purchases in the first 3 months from account opening.
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 70,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open.
 





Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Earn 70,000 points
Earn 140,000 bonus points + 1 Free Night after spending $3,000 on purchases within the first three months of account opening
Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Limited Time Offer! Earn 60,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
 





Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.
Earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.
Earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.
Earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening.

Business Cards

Earn 100,000 Chase Ultimate Rewards Points after you spend $15,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
 

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
 

Earn up to 150,000 bonus miles. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months your account is open.
Earn 60,000 points after spending $5,000 on purchases within the first three months from account opening.
Earn 60,000 points after spending $5,000 on purchases within the first three months from account opening.

Citi


Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
 

0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 15.24% - 25.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.99% - 26.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

U.S. Bank


Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
 

0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.49%-27.49%.
New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
 

$500 Bonus Cash Back after you spend $4,500 in the first 150 days
Limited time offer: Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
Limited time offer: 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 14.99%-23.99%.

Other Cards


  • Earn bank rewards points on your everyday spend.
  • Bonus offer – new card holders may be eligible for welcome bonuses of up to 50,000 points.
  • Transfer points to your favorite eligible airline or hotel travel partner, or redeem for gift cards, cash, or a statement credit.
  • Earn rewards with your everyday spend, and get a little closer to your next vacation.
  • Bonus offer – new card holders may be eligible for welcome bonuses of up to 50,000 travel rewards points.
  • Use rewards to book hotels, air travel, gift cards, or even a statement credit.
  • Earn cash back on your everyday purchases. Earn 2%, 5%, or even 10% cash back on qualifying purchases.
  • Redeem cash back for statement credits, gift cards, merchandise, or even your next vacation!
  • Make your cash back haul sweeter with a new card member bonus.
  • Bring your Business finances to the next level with a Business rewards card.
  • Bonus offer – new card holders may be eligible for welcome bonuses of up to 80,000 points.
  • Earn rewards points on your everyday business expenses.
  • Earn complimentary nights at your favorite hotel.
  • Bonus offer – new card holders may be eligible for welcome bonuses of up to 50,000 points.
  • Travel in style – many hotel credit cards offer a fast track to status.
  • Save money by transferring your existing balances to a card with a 0% introductory balance transfer rate.
  • Enjoy 0% interest on balance transfers and purchases for up to 21 months.
  • Double your savings with a card that has no balance transfer fee.
  • Reduce the amount of interest you pay with a 0% introductory rate interest card.
  • 0% introductory rates are available for up to 21 months on purchases and balance transfers.
  • Make your card work twice as hard — 0% introductory rates are available on reward earning prodhas.
  • Looking for a solid credit card that won’t break the bank? A card with no annual fee may be right for you.
  • Bonus offer – new card holders may be eligible for welcome bonuses of up to 50,000 points.
  • Stretch your savings on interest charges with a 0% introductory rate interest card.