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It may seem appealing to jump right in and start raking up the miles and points, but experts advise that people should come up with a goal first in order to determine their next steps. “If you are trying to buy a home, we do not recommend it” due to the red flags multiple credit card sign-ups will signal for lenders, says Atienza. Finally, don’t embark on a quest for points if you plan on buying a home within the next one to three years.Paying interest on your card will quickly cancel out any potential travel rewards. Next: pay your credit card off in full, every month.“Calculate your monthly expenses that you can charge on a credit card.” 1 rule is you do not spend more than you actually do spend naturally to get miles,” says Nico Atienza, concierge at the Travel Hacking Cartel, who once racked up 1 million miles in a year using credit cards. “When you have a spend requirement, the No. Commit to the ironclad rules of points hackingĮven the most extreme points hacker is quick to point out that people interested in entering the “game” only do so without the risk of falling into financial ruin. Follow points-hacking blogs – or consider hiring some help.ġ.Think twice before canceling your cards.Learn the art of applying for credit cards wisely.Commit to the ironclad rules of points hacking.See related: 10 common travel credit card mistakes you need to avoid
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Who knows? Maybe you’ll be the one bragging next about your points-funded trip to the Maldives. We interviewed a few points hackers who have assisted people in earning millions of points to help distill the key concepts behind achieving points savviness. These are experts who understand that the fastest way to rack up travel points is actually not by traveling – but by making judicious use of credit cards that offer hard-to-resist bonuses in exchange for meeting certain spending requirements. However, the system of racking up points across multiple cards and cashing them in can often seem overwhelming and complex.Įnter: the points hackers. If you’re like the average credit card user, you may have a vague idea about how the system works and might have even cashed in a few points on occasion. Chances are, you’ve heard stories about friends or colleagues who have taken trips around the world using only their airline miles and credit card points.