If you’re like most people, you’ve spent 51 weeks saving up for that one-week Dream Vacation.  You’ve searched Kayak to find the cheapest flight and/or hotel, and you might have even used Frequent Flier Miles for part of your trip.

You’ve been wasting your Time. 

This Guide wills how you how the  ‘Pros’ utilize Credit Card Rewards to pay for the Flights, Hotels, and sometimes other Transportation for FREE or nearly nothing.  The process is entirely legal, easy to use, and often only requires a 650+ Credit Score.

The Process:

  1. Apply for a Credit Card with lucrative Reward Points
  2. Meet the ‘Minimum Spend‘ within 3 months to Earn said Points
  3. Plan Your Trip, paying for the Flight and Hotel with Points you’ve just Earned
  4. Repeat until you run out of vacation days
  5. Cancel cards with recurring annual fees, and Churn through new ones as they become available


It’s not rocket science.  Using this simple process, my wife and I have visited Japan, Costa Rica, Europe and various hotspots in the US for just the cost of food and entertainment.

The hidden ‘Step 0’ is to make sure you have a 650 Credit Score or higher.  If you have a business, that’s an added bonus- as some Cards are business specific.  (If you don’t own a business, don’t worry…)

View Current Credit Card Offers

But you might want to familiarize the process first.  The type of Free Vacation you want depends on the planning you put in beforehand.  Long distance or Luxury?  5-Star  or 5 more days?  If you want to see some quick examples – visit our ‘Trips‘ page, which will be continuously updated.  Otherwise, consult the Free Travel Guide below and please leave comments if you have any questions!

Guide to Free Traveling

Phase 1:

The 1st and easiest step is first deciding where you wish to travel.   The more extravagant and distant your destination, the more pre-planning skills you will need  to employ.   A quick week long trip to Puerto Rico or anywhere in the US can be achieved with just two credit cards, while an international trip to Japan or Europe will be a little more intense.  The farther out you can make your plans, the better.   Blackout Dates and higher ‘in demand‘ rates are not your friend.

If you’re traveling abroad, I would personally stick with United or American Airlines, as they have the most favorable frequent flyer programs, and their card bonuses make the number of points required to fly round trip easier to achieve.  To compliment that, you will also want to get at least 2-5 days of hotel stay paid for.  The IHG Card is ideal for those who don’t mind staying in ‘average’ accommodations for more days, while the Hyatt or Hilton Cards will give you 1 or 2 nights at more luxurious properties.

Once you have a rough time frame, and general idea of where you wish to fly, Calculate the number of points/miles required to get there from your airport.  Just about every airline website lets you look at a specific date/flight path, OR use ‘Flexible Dates.’


SouthWest PR Trip
Notice the difference between Weekend vs Wednesday Fares for SouthWest?


The SouthWest Cost-Based of RapidRewards differs from the industry standard of ‘Flat Rate with Points‘.   What this means is that for SouthWest it pays to compromise your schedule if possible, to ‘save’ points.  With AA or United for example,- it will be a standard rate no matter what dates or times you fly… A Benefit to you because those same flights would be $1,500 if purchased directly in some cases.   However, that comes at a cost of decreased availability:


Mileage Plus Saver
Notice the closer to the present you get, the less ‘Econ Saver’ Flights become available with United


Japan Avail United May
Blue and White Boxes = Bad 🙁


For this example going to Japan from Cleveland, ALL the flights are 35,000 EACH Way, meaning its 70,000 to fly one person RT to Tokyo from the US.  Within the US, its only 25,000 points RT to go from coast to coast.


Another example below illustrates American Airline’s system for comparison.  30,000 each way from Chicago to Rome.  For any FF Program, you’ll ONLY Focus on their most ‘Economic’ option, as the everything else will be outrageous or not worth it.


AA Flights to Rome
Most Airlines are Members of ‘Partner Programs’ and Alliances that Help You Mix & Match Carriers


At this point, you should have a vague idea of the cost in points AND the general time frame when you could reasonably expect to successfully book with points on one of these airlines.   If possible, give yourself a 6 month buffer so you can enjoy more flexibility in planning your accommodations etc in Phase 2.

The next logical step is to determine which cards are currently offering the best bonuses that would help you meet these goals.  United offers a 50,000 sign up for their MilagePlus Explorer Card from time to time… But if this is not the case currently, perhaps AA would be better.  Do not try to BOOK these Flights just yet.

Phase 2:

Selecting the Hotel.   In my humble opinion, IHG is going to be the most cost-effective option here when factoring in ALL costs for a normal person’s vacation.  Hyatt comes in a close 2nd.  The Chase IHG Card covers many properties (Holiday Inn) located all over the world, and often at a cheaper ‘per day redemption rate’ than say Marriott or Hilton.  The current offer of 70,000 IHG Points for only spending $1,000 is phenomenal, as that’s enough to get you 4.6 nights at the Holiday Inn Express in San Juan, right next to the beach.   Hilton’s cards will usually run you 40,000 points, which is typically an ‘airport area’ hotel near a major city.  Hyatt is more reasonable and a great option at either 2 days anywhere for free, or a great value if booking with points.  All of these options can  also ‘Earn Points’ and transfer from Chase Ink / or Sapphire Preferred.

Hyatt 2 Free Nights
2 Free Nights & 1 Free Night on your Anniversary

With the hotel cards, you will perform the same research as you did for the flights in Phase 1.  If you have a ‘Free Weekend Certificate’ from Hyatt, Hilton or others- you will first have to call them or check online to see if a given weekend in your itinerary is available.  For all the other Hotel Programs, there’s an Amazing website someone created to make the process much easier.


Award Mapper
Awards Mapper breaks down your options with the # of Points required per stay

Using Award Mapper, you can get a general idea of what it would cost in points to stay at ‘Hotel X‘ in your destination of choice.  Armed with that information, you can then browse the available credit cards that align with that hotel chain.

You will more than likely NOT be able to pay for ALL of your Lodging with Hotel Points, but its a great start.

I personally like to mix up hotels and AirBnB’s on our trips.  The hotel gives you the convenience factor, and its a great way to start your vacation in another country.  ‘Take me to the Hyatt’ is easier to a cabbie than  ‘Take me to Kero’s House.’

AirBnB is a great filler option because not only are the dates and prices infinitely more flexible since you’re staying at people’s rental properties or houses, but as a bonus – it shows up as a ‘Travel’ charge in most credit cards.

Why is This Awesome?

The Barclay Arrival Card and Capital One Venture is your ‘fill the gaps‘ solution here.  They both will ‘reimburse you for travel‘ after you spend $3K in 3 months.  With ‘Credits‘  that you simply Apply to a ‘Travel Charge.’  Barclay gives you $450 worth of these ‘Credits’, which can easily be leveraged for 3-7 days of lodging in more unique places in bigger cities.   Use this card to pay for cab rides, trains, and subway passes as well if possible, as they are all ‘Travel Expenses‘ that can be credited with your signup bonus.

Once you have a rough outline of which days you’ll use for Fancy hotel stays, which days you’ll do AirBnB (or pay for a hotel), and which flight options are possible… its time to pull the trigger.

Phase 3:

At this point you’ve narrowed down which cards you’ll be using to ‘Finance‘ your Trip.  Apply for 2 of those cards right off the bat – the Hotel and Airline one only for now.  Note:  Future Trips will possibly include one of the various Chase ‘Catch All’ cards like the Sapphire or Ink Plus. 

Day 1Complete two Credit Card Apps, hopefully get approved and wait for cards to be delivered.

Day 3-30Use Cards for ALL your normal / possible expenses.  You should be able to meet the Minimum Spends on both these cards within 90 days.  There are various tricks that one can employ to do this, in some cases without actually ‘spending’ money.

Day 31Wait for your statement to come, and in most cases, you’ll be ‘Rewarded’ for your loyal spending.  Sometimes the points won’t post until a week to a month later.

Day 32-61 – NOW is the time to Book Your FREE Travel!   Using the same sites you utilized in Phase 1, book your flight and hotel using rewards points.

Day 62-120 – Depending on how far your trip is… Gauge the availability of your ‘Dream AirBnB‘ stays.  You’ll want to BOOK these on your Barclay or Capital One card, as they will reimburse you for this travel.  Apply for your card of choice, and then using the same ‘Manufactured Spending‘ strategy as before, and meet their spending requirements – which will include these AirBnB stays.  At this time you may also book your ‘Rail Pass‘ or Car Rental.

Day 120 and on – Detail your destinations and preferred places of interest you’ll be visiting on a spreadsheet.  I like to include the name, exact address, website, type of attraction and associated costs on a Google Drive DOC.   This way its always accessible for you, and can be saved to your phone.  If you’re frugal, plan on visiting certain museums on their ‘Free’ or discounted days, or at least not on the weekends when they’ll be busiest.

I like to plan out the possible transportation to and from each place as well, as that’s a real time-suck if you don’t prepare in advance.  This includes airport parking, to and from the hotel/airline, and general ‘Gettin Around City.’  TripAdvisor is the best resource for just about every destination, as its essentially a ‘Yelp!’ for travel enthusiasts.  It includes both free activities and and businesses with detailed reviews from travelers across the globe.

Finally, once your departure date arrives, make sure you have all the documentation you’ll need, plenty of snacks and a back up of your itinerary and Adventure On!



Viva Firenze!
Viva Firenze!


Do you have questions!?  I’m sure you do.  Feel Free to Post them in the COMMENTS Section Below!


2 thoughts on “FREE TRAVEL TRICKS

  1. Gabriel Q. says:

    Hey there! Since August 2015 I have taken your advice and began acquiring credit cards. The top ones you recommended first and then began on business cards. I turned to business cards mostly because I began getting turned down for other regular Chase and Citi cards because of too many inquiries. Since the inception until now I have amassed around 357,000 miles. I used 50K for a quick coach round trip to Houston from Ft. Myers, FL. That’s all!

    I’m fortunate because my monthly spend is legit due to being a business owner at around 15K. Qualifying for the minimum spend has not yet been a problem. My problem is that my goal is to travel with my family (Wife and I and three kids).

    How do I get these low miles trips like you do for all of us?


    1. How far ahead is a good idea to start booking? (I currently would like within a month but the points required seem high… so what’s the sweet spot?

    2. My wife has also snagged all the CC’s I have so how do we get around the rejection of getting too many inquiries? And yes we waited 92 days one time.

    3. FTU (Frequent Traveler University) is in Vegas in about 1.5 months. Is it something you’d recommend me attending?

    4. Currently I’d use or Citi Thankyou Points redemption. Am I missing something or some better place to book travel?

    Thanks in advance!

  2. Chris says:

    Hi Gabriel, thanks for your post!

    Are most of your points in the Chase UR portal? If so, they you can transfer them to many different partners. My advice would be to use SouthWest if youre traveling within the US, or United if you’re going abroad. (SW services part of South America/Carribean also.)

    If you are doing hotel stays, which hotel cards do you have? I think the IHG 80K offer is the best deal, but the SPG Bonus is the highest its ever been at 35,000. That would be enough for 4 nice hotel nights in an average city. The other option is the Hyatt – a Transfer partner from UR – where 8000 points will get you a nice average hotel in major cities.

    Do you have any Amex Membership Rewards points yet? Their Gold card can come with 50K, for only 1K spend… and they have their own list of different partners you can transfer to to diversify your points.

    The ‘Booking Window’ in my opinion is 3-6 months out ideally. You will have problems the closer you get to your travel date, especially under 1 month.

    You might have to space out your apps at this point, IMO, 12 a year is the ‘high end’ even with some of those being business cards… There is a theoretical limit to this ‘game’ and Chase is now limiting their # of cards more tightly as of this year.

    FTU is a great resource to learn more, but I’ve never been there. I would consult, and TravelisFree Blog personally. I dont think paying to attend FTU would be worth it to ME.

    You can use any combo of points portals, but i liek to use them in conjunction with branded hotel / airline cards to get the max value.

    Where is it that you would like to go, and with how many people for how long?

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