Are you tired of spending a fortune on airfare? Good news! Travel hacking could be the solution to all your travel problems. It’s an exciting method to convert credit card welcome bonuses and other incentives into airline miles, which can be used to obtain discounted or complimentary flights for your dream destinations. With a little creativity and some insider know-how, you’ll fly for no cost within a matter of minutes.
The Basics of Travel Hacking
Travel hacking is the art of swapping credit card sign-up bonus as well as incentives to earn airline miles. These miles can later be used to pay for cheap or free flight tickets. Certain credit cards permit you to use miles for hotel stays and car rental deals.
How Does it Work?
The key to successful hacking your travel plans is to take advantage of the sign-up bonuses for credit cards and to establish a frequent flyer mile program on a select group of airlines. When it’s time to book a flight consider the cost. If the price is less than $300, it’s usually better to pay in cash and use your miles to pay to take a more costly flight. If the prices start to rise higher than $500, it’s best to check those frequent flyer accounts to determine which airline offers you the best price. It all boils down to the number of miles or points in your travel account for each airline.
Begin by Getting Started with Travel Hacking
Are you ready to discover the secrets of travel hacking? First step to open the credit card that comes with a sign-up bonus. There are a lot of fantastic credit cards that offer many advantages and features. It is all dependent on the airline, spending habits and what features are crucial to you.
Top Credit Card Picks
Here are a few credit cards excellent to use for hacking travel:
- Chase Sapphire Reserve
- Chase United Explorer
- JetBlue Mastercard
- Capital One Venture X
If you’ve been approved for a credit card, you’ll need to hit the minimum spend limit in order to get the bonus. Every credit card has its own set of rules, so be certain to verify this information. From there, it’s all about racking miles and then using them to book your dream vacation!
Are you ready to go on a jet-setting with your ideas?
After you’ve accrued the points balance, it’s time to redeem them for some delicious getaway! Different credit card providers will offer different ways to redeem your points, but here are some examples from some of the providers I’ve had experience with:
Take a trip with Chase Ultimate Rewards
If you own a Chase credit card, then you can use your points to redeem them through the Ultimate Rewards portal. Through it, you’ll have access to almost every airline, and you can combine the points as well as cash in order to book your trip. You can even book completely with points if you’ve the funds to pay for it! Sometimes, even if you don’t have enough points to cover the full price, you can buy flights with Chase Ultimate Rewards portal and pay the balance cash using any credit card.
Are you fed up of paying full price for your flight tickets? Did you not know that when you book directly through United, you have the option of paying using either points or dollars? But, be careful in case you don’t have enough points, you can’t combine points and dollars on the same flight. No worries though, if you’re a few points short, United provides the option to purchase additional miles.
Looking for a flight within the United States? You should look no further than JetBlue! JetBlue provides passengers a relaxing and pleasant flight experience , with more legroom and free snacks. Additionally, their booking process is like United’s which allows passengers to book flights using JetBlue points or dollars but not both. The difference is that JetBlue has a unique feature where you can combine your points with your relatives to earn points twice as fast. Be sure to establish that you’re a real family member prior to trying to hack into the system.
Make sure you spend that minimum amount
If you’re like me or my travel companion Becca, you’re probably pretty economical and it’s daunting to try to spend thousands of dollars in order to meet the minimum spend for credit card bonuses. Don’t worry, we’ve been through it and are here to share some of our tips and tricks.
Pay your rent (if you can)
This is a big one! If you’re able pay your rent with a credit card, do it! Make sure you pay a cost, which is usually around 3 percent. It could be worthwhile over the long term if the bonus is high enough.
Make a payment on a medical expense
Another excellent way to meet the spending limit is to pay for the medical bills. If you do not have any medical expenses coming up then ask your relatives if you could pay them for theirs, and they will repay you.
Repay a loan
If you’re a borrower take into consideration repaying them using an credit card. Just make sure you pay off the balance on your credit card in full so you don’t accumulate more debt.
Ask your family members for help
Talk to your family and see if they have any large expenses coming up that you can help pay for. Be sure to be sure that you’re able to trust the person and they understand why you’re doing this.
If you’re celebrating the holidays you should consider purchasing all of your gifts with your credit card. This way you can reach the minimum spending requirement and also be prepared for gift giving. Just make sure you’re not paying more than you already planning to.
There are a lot of ways to make the most from using your credit or debit card for travel. accumulate miles or points that you can spend on airfares or other travel-related costs. Here are a few additional suggestions for maximising your rewards
Book travel expenses with your credit card
Whenever you’re planning a vacation, make use of the travel credit card to book your hotel, flight or rental car, as well as other travel costs. You’ll not only be able to meet the required amount to earn your credit card as well, but you’ll also earn points or miles to cover the costs.
Use your credit card for everyday expenditures
Another way to meet the minimum spending requirement and earn points is by making use of your credit card to pay every day expenses. This could include things like food, gas or even your phone bill. Be sure to pay off the balance each month in full so you don’t pay interest.
Take advantage of bonus categories
Some travel credit cards will offer miles or points in exchange for certain types of purchases, including dining or travel. Make sure you review your credit card’s rewards program and take advantage of the bonus categories that are in line with your spending habits.
Think about the possibility of transferring your balance
If you are currently in outstanding debt due to a high-interest credit card, consider transferring that balance onto the travel credit card which has the introductory APR of 0% for balance transfers. This will enable you to pay off the debt without accruing interest, and also help you hit the minimum spending requirement for the credit card’s bonus.
Utilize your miles and points carefully
Once you’ve accumulated a substantial amount of points or miles Make sure to utilize them wisely. Examine the rewards program of your credit card, and evaluate the worth of various redemption options. For example you can use your points to book a ticket directly with the airline could provide you with a greater value than using them to purchase an gift card.
Another tip is to use a rewards card that allows you to transfer your rewards to different loyalty program. This will allow you to enjoy a greater variety of options and greater flexibility when you want to redeem your rewards. For example, you may be capable of transferring your reward to frequent flyer programs of airlines or reward program for hotels. This will give the benefit of a wider selection of hotels, flights and other travel benefits which are not accessible through the rewards program of your credit card.
Additionally, try to find out whether your credit card has any perks that can reduce your travel costs. A lot of credit cards provide travel insurance, rental car insurance, baggage protection, and other benefits that can be very beneficial when traveling.
Finally, when you’re traveling with a friend and both of you earn rewards using your credit card. Make sure you don’t share the costs on the same card and make sure you keep track of your rewards in a separate manner.
The key to maximizing your rewards for travel is to be aware of the rewards program on your credit card and ensure that you’re making use of this program in the most efficient way possible. Utilizing a combination of the strategies I’ve listed in this article, you’ll be able earn rewards quickly, redeem rewards for valuable travel experiences and take advantage of a broad variety of travel benefits.