How to Meet Credit Card Minimum Spend Requirements Quickly!

our haul from Japan
How to Meet Min Spend Requirements Easily The 1st thing most people ask when they get into the 'Travel Hacking' game is 'How am I going to spend $2,000  or in some cases $5,000 in 3 months?  If I had that kind of money lying around I wouldn't be tryin' to Travel for FREE in the 1st place!'  Fear not my friend, there are ways around that.  Some which essentially don't includ...
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How and Why to Get the SouthWest Companion Pass

Companion Pass Closeup
If you're here, its because you have at least one friend (or God-willing, a Loved one) and want to travel the US/Caribbean with them for FREEish.  The Companion Pass basics are outlined in SouthWest's own words below: If that's unclear, what it means is that when YOU buy a ticket with EITHER Points OR real Money, your Companion gets to hitch a ride for FREE!*  Less the Taxes...
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Guest Post – Traveling with College Debt

Got College Debt? Here’s How You Can Still Travel Guest Post By Jacob, the voice over at @DollarDiligence. Jacob knows quite a bit about student debt, in fact, he paid down over $25k. Jacob is working to help and inspire others to take control of their finances. If you’re one of the 40 million Americans who has student loan debt, you may think that you’re trapped by them....
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Tips to Maximize Your Savings Potential, Even With Low Interest Rates

Tips to Maximize Your Savings Potential, Even With Low Interest Rates Guest Post By Patty Moore from Working Mother Life Visit her blog for more information on how to save money and balance a budget for your family, as well as more child-centric financial information.   Most banks offer super low interest rates on savings accounts, which can be a pain for tho...
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Puerto Rico Winter Escape – Paid for with Points

El Yunque
Puerto Rico Trip for Two We chose to visit Puerto Rico in March to escape the seemingly incessant Cleveland Winter.  Originally, the 51st state wouldnt even be on my radar... but thanks to the SouthWest Companion Pass and their dozen 'Caribbean area' destinations, we thought we'd explore a new Rainforest / Tropical area, since we liked Costa Rica so much. To 'Finance' this tr...
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Comparing Hotel Points – New Orleans [Hyatt, Hilton, & IHG]

French Quarter Hyatt
One of the hardest parts of determining which card to get, is the burden of figuring out 'which card gives you the most bang for your buck?'  specifically when 'paying' with points.  This matter is further complicated because each Hotel Line has 1-5 different types of Hotels, and 1-9 different 'Point Redemption Levels.'  Its hard to do a 'tit for tat' comparison unless you have...
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Relaxing Costa Rica Nature Retreat

Costa Rica is now part of the new 'non-US' destinations that SouthWest flies!   A round trip to Costa Rica averages 25,000 Points, which means one SouthWest credit card can get you and your special someone there.  If your special someone returns the favor, you could get the hotels and/or car rental for free as well. We opted for the more rustic 'Naturey' vacation, as we both...
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Credit Score Details – Churning FAQ

Most people immediately think opening 5 credit cards in a year as damning to your Credit Score.  The irony is is the opposite is often true. Credit scores are calculated by looking at the data found in a credit report. This includes the following: Payment history Length of credit history Credit utilization (total available credit / credit used) Types of credit used (revol...
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Current Deals and Other Churning News

Sometimes a new Credit Card Sign-Up Offer might seem 'Too Good to Be True' - and might not be around for long.  If that's the case you have to strike while the iron is hot.  Here you can find a list of Last Minute Opportunities and Current Deals that may be Expiring Soon , as well as news relevant to 'Churning.' If you're NEW to Churning Credit Cards for Free Vacations, be s...
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EuroTrip – Italy Ireland & England on the Cheap

In 2012 I went on a Solo Trip to Italy, England and Ireland.  I had already been to Italy before, but missed out on Florence.  London and Ireland have always been high on my 'To See' List,  and I was excited to do some traveling Alone for the 1st time in my life. I was still new to the Credit Card Churning game at this point, and was happy just to use a $300 voucher from Air...
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Honeymoon Trip to Japan

Tōdai-ji in Nara
Using a little bit of ingenuity and a few Credit Cards, my wife and I were able to take an amazing 12 day trip to Japan!  The Flights were just $98 (9-11 Fees) since we used United, which is nicer regarding fees and taxes when redeeming with points. The following cards were used to 'Finance' this Trip: United MilagePlus Card:  50,000 United Points (One for Each of us) ...
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Keeping Track of your Credit Cards

Its Important to know when you open and close each card you apply for.  The Annual Fee on most cards can be removed if you wait more than 12 months, but that requires a call to Customer Service.  Ain't nobody got time for that. We use a simple Excel / Google Docs sheet that lists the following details: Card Name Date Opened Minimum Spend Requirement Min Spend...
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Best Current Credit Cards

Tokyo Skyline from the Government Building
If you're already familiar with the benefits of Churning Rewards Points and just want to find the Best Credit Cards that are available now, look no further.  Here is a list of the Best Airline & Hotel Cards currently vying for the opportunity to finance your vacation. Credit Cards
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A Beginners Guide to CreditCard Churning

Hakone Art Museum
If you’re like most people, you’ve spent 51 weeks saving up for that one-week Dream Vacation.  You’ve searched online to find the Cheapest Flights and Hotels, and you might have even used Frequent Flier Miles for part of your trip.   You’re Doing It Wrong.   Want to Travel the World, for FREE? LEARN MORE
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