Travel Champs St Patrick’s Day

Are you tired of spending a fortune on airfare? Well, good news! Travel hacking could be the solution to your travel-related problems. It’s an exciting way to turn credit card sign-up bonuses and incentives into miles which you can use to score discounted or cheap flights from your desired destinations. With a little bit of creativity and some insider know-how, you’ll travel for free within a matter of minutes.

The Basics of Travel Hacking

Travel hacking is all about trading credit card sign-up bonuses as well as incentives to earn airline miles. The miles can be used to purchase discounted or even free flights. Some credit cards also let you redeem miles for hotel stays and rental car deals.

How Does it Work?

The key to success in travel hacking is to take advantage of the sign-up bonuses for credit cards and to establish frequent flyer miles on a select group of airlines. When it’s time to book a flight, evaluate the cost. If the flight is less than $300, it’s generally better to pay cash and save your miles for a more expensive flight. When the flights start getting higher than $500, it’s best to look into those frequent flyer accounts and find out which airline will give you the most value. It all comes down to the number of points or miles you have you have in your travel savings account for every airline.

Start with Travel Hacking

Are you interested in learning the secrets to travel hacking? Your first task is opening a credit card with a sign-up offer. There are plenty of great credit cards that offer various features and benefits. It is all dependent on the airline, your spending habits, and what features are important to you.

Top Credit Card Picks

Here are some credit cards perfect for travel hacking:

  • 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. Each card has its own rules, so make certain to verify this information. From there it’s all about building up miles, and then using them to book your dream vacation!

Are you ready to set sail with your points?

Once you’ve accumulated the points amount, it’s time to use them towards delicious vacation! Different credit card providers will have different methods for redeeming your points, but here are some examples from a few of the providers I’ve had experience with:

Take a trip with Chase Ultimate Rewards

If you’re a holder of a Chase card, you are able to redeem your points through the Ultimate Rewards portal. In the portal, you’ll have access to nearly every airline, and you can use a combination of points and cash to book your travel. You can book your flight entirely with points if you’ve the balance for it! Sometimes even if you don’t have enough points to cover the total cost, you still can purchase flights through the Chase Ultimate Rewards portal and pay the balance in cash with any credit card.

 

United

Are you fed up of paying the full cost for your flight tickets? Did you know that when you book directly through United you can choose the option of paying with either points or dollars? Be careful that if you do not have enough points you can’t combine points and dollars on the same flight. No worries though, if you’re just a few points away, United provides the option of buying additional miles.

JetBlue

Are you looking for a domestic flight? You should look no further than JetBlue! JetBlue offers an enjoyable and comfortable flight experience , with more legroom and free snacks. Additionally, their booking process is similar to that of United Airlines which allows passengers to book flights using JetBlue points or dollars, however, not both. But, JetBlue is unique in that they offer a feature where you can pool your points together with your family members and earn points twice as quickly. Just make sure you can prove you’re really family before trying to hack into the system.

Reach that Minimum Spend

If you’re like me and my travel buddy Becca, you’re probably pretty frugal and it can be difficult to think of spending thousands of dollars in order to meet the minimum amount required to earn a credit card bonus. But don’t fret because we’ve been there and we’re here to share our tricks and tips.

Pay your rent (if you can)

This is an important one! If you’re able to pay for your rent using credit card, go for it! Be prepared to be charged a fee, typically around 3 percent. It may be worth it in the long run if the bonus is high enough.

Pay a medical bill

Another great way to hit the spending limit is to pay for a medical bill. If you do not have any medical expenses in the near future, ask your family members to pay their medical bills and they’ll repay you.

Repay a loan

If you have any loans you owe, think about paying them off with your credit card. Make sure to pay off the balance on your credit card in full so you don’t end up with additional debt.

Ask family members for assistance

Talk to your family and look into any big expenses coming up that you can contribute for. Be sure to be sure that you’re able to are able to trust the person and that they know why you’re doing it.

Give gifts

If you’re in the middle of the holiday season you should consider purchasing all of your gifts with cards from your credit account. This way you can hit that minimum spend and also be ready to give gifts. Make sure that you’re not paying more than you contemplating to.

There are plenty of ways to get the most of your travel credit card. earn miles or points to use towards flights or other travel-related expenses. Here are some additional suggestions for maximising the rewards you earn:

Book travel expenses with your credit card

When you’re planning your next trip, make use of the travel credit card to book your flight, hotel, rental car, and other travel costs. In addition, you’ll be able to meet the minimum spend to earn your credit card bonus as well, but you’ll also earn points or miles on the expenses.

Make use of your credit card to pay for all your daily costs

Another method to reach the minimum spend to earn rewards is using your credit card for daily costs. This can include items like groceries, gas, and even your phone bill. Be sure to pay the balance off each month in full so you don’t accumulate interest.

Take advantage of bonus categories

Many travel credit cards offer bonus points or miles for certain types of purchases, such as eating out or travelling. Make sure you review the rewards program of your credit card and make use of any bonus categories that match with your spending routines.

Take into consideration a balance transfer

If you are currently in debt on a high-interest credit card, think about transferring the balance to an account with a travel credit card that has a 0% introductory APR for balance transfer. This will enable you to pay off the debt without accruing interest, and also aid in achieving the minimum amount required to earn the credit card bonus.

Utilize your miles and points carefully

If you’ve amassed a large amount of points or miles make sure you use them wisely. Examine the rewards program of your credit card, and evaluate the value of different redemption options. For instance using points to book a ticket directly with the airline could offer better value than using them for the purchase of a gift card.

Another option is to get an rewards card that permits you to transfer reward points into other loyalty programmes. This will allow you to get a wider selection of choices and more freedom when it comes to redeeming your rewards. For instance, you might be eligible to transfer your reward to frequent flyer programs of airlines or hotel rewards program. This will give an access greater selection of hotels, flights, and other travel perks which are not offered through your credit card’s rewards program.

Additionally, try to find out whether your credit card has any perks that can save you money on travel-related expenses. A lot of credit cards provide travel insurance as well as rental car insurance baggage protection and other benefits that can be very beneficial when traveling.

If you’re traveling with a companion each of you will be able to earn rewards with your own credit card. Make sure you don’t share the costs on the same card. Also, make sure to track your rewards in a separate manner.

In the end, the most important thing to do to maximizing your travel rewards is to know your credit card’s rewards program and ensure that you’re making use of it in the most efficient way possible. By using an array of strategies I’ve listed in this article, you’ll be able earn rewards fast, exchange them for valuable travel experiences, and enjoy a wide range of travel perks.