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With the new year upon us and a honeymoon to plan, it’s time to start considering how to bring down the costs (or splurge on business class!). Travel hacking, or the opening of credit cards for extra sign-up airline mile bonuses, is basically the extreme couponing of travel. And just like extreme couponing, it can save you thousands of dollars! However, unlike extreme couponing, if you’re not careful, it can completely ruin your credit. While risky, if you travel hack responsibly, and follow these rules, not only will you probably have better credit than when you started, but tons of almost free travels ahead of you! Read more and have travel hacking success today!

1. Know Your Credit

This is first because it is the most important: your credit score. Whether you’d like all the travel cards you can handle, or you’re applying for a mortgage on your first home, good credit is a necessity. But before you even think about applying for a credit card, you should know this number.

I use Credit Karma to keep track of my score, which updates me when there are changes to it. It doesn’t ding your credit to check this app, and I feel confident in my score as it is being pulled from two sources, TransUnion and Equifax. So the first thing you should do is download this app and see where you stand. Also, you should look at your free credit report each year for any changes. If you see something unusual on your credit report, you should contact the credit reporting agencies to get it resolved and get your score back up.

Travel rewards cards typically require pretty robust credit scores to be considered. I would recommend at the very minimum to have a score of at least 720. And with credit scores, the higher the better. I’d opt for a 740 or higher before applying for more premium credit cards like the Chase Sapphire Reserve.

2. Open 3 Cards Max at a Time

I know how exciting free travel sounds, and the first time I heard about this, I wanted to apply for everything. However, creditors see this as extremely risky, and applying for too many cards at once will likely warrant a rejected application. Remember, travel hacking is a marathon, not a sprint. You need to start slowly here.

When I opened up my first cards, I opted to only do two, the Chase Sapphire Preferred and the Delta Gold Amex. Opening up 2-3 in the same day, or an App-O-Rama, will likely ensure your applications being accepted. So once you’ve opened these, go celebrate, start plotting how you’ll meet your minimum spending requirements, and daydream about your future trip.

Also, don’t open multiple cards from the same bank in a day. For instance, if you really want the Chase Sapphire Preferred and Southwest Rapid Rewards Card, you’ll have to wait to apply to one, as they are both Chase cards. Or you can’t apply for all of the Delta Amex cards at once. Again, several credit card applications look risky to a bank, and if you’re opening more than one from a certain bank, they will likely reject anything after the first.

That doesn’t mean you can’t have multiple cards from a certain bank, but just open them at different times of the year. For example, I opened my Chase Sapphire Preferred in February, the United Mileage Plus Chase card in June, and the Chase Freedom card in October.

A good mix to start with would be a Chase card, an Amex, and a Citi Bank. You’re more likely to be accepted if you apply for these in the same day from different banks.

travel hacking success

Use miles to fly to the lovely island of Santorini.

3. Only Open New Cards 91 Days After Your Previous App-O-Rama

Not to keep repeating this mantra, but opening several credit cards in a short period of time is obviously risky to banks. Also, you’ll probably receive hard inquiries on your credit from the 2-3 credit card applications you apply for. These will temporarily decrease your score, usually for about 3 months, but it will return to normal after that. The inquiries will drop off your credit completely within 2 years, but the affects go away within 90 days.

So waiting 91 days between App-O-Ramas is always your best bet. Wait for your credit score to rise back to normal, and then apply for new cards.

Also, as many cards have minimum spends to get their high sign up bonus, usually due within three months of opening the card, you want time to hit those minimum spends before opening up new ones. These minimum spends can range anywhere from $500 to $5,000 in three months, so making sure you can hit those is definitely key. Otherwise, you don’t get the bonus miles and it’s completely worthless.

4. Spend Only What You Can Afford/Pay Off Monthly

This should be obvious, but you should pay off your card each month in full. Travel rewards cards tend to charge higher interest rates, so paying it in full will prevent this in the first place. Also, not paying off your card will cause your utilization rate, or the balances on your cards over your total available credit, to increase. As you’ll want to keep that below 4%, paying off these balances will only help your credit.

And again, with minimum spending requirements, make sure you can meet these via either everyday spending (bills, entertainment, etc.), manufactured spending (paying for dinner for the table and having them Venmo you, send money via Venmo to a trusted person and they pay you back, etc.), or purchases you’ve saved for (wedding/honeymoon deposits, etc.). Do not spend money just to hit the minimum spend: that’s a likely way to overspend and go into debt. Just spend your normal, budgeted monthly amount, and apply for cards you can afford. Don’t apply to 3 cards with $4,000 minimum spend requirements unless you can spend $12,000 in 3 months without going into debt.

But on the bright side, if you’re planning a wedding and have saved up the money, put those deposits/final payments down on the card and pay it off! It may be the easiest way to hit those minimum spends without trying.

5. Chase 5/24 Rule

Now I’d like to discuss certain rules credit card companies individually have if you want to collect cards from them. The first one is Chase. Chase Ultimate Rewards is one of the best airline travel rewards systems out there by far. Their sign-up bonuses are great, and they have amazing credit cards. The downside, however, is that there are certain cards that if you’ve opened up 5 credit cards (from any bank) in the last 24 months, you will not be able to open these cards.

They also have a rule where you can only have one Sapphire card at a time. So if you open up the Preferred, you can’t have the Reserve at the same time and vice versa. You also can’t have received the sign-up bonus from one of these cards within the last 24 months if you hope to open the other if you’ve closed one.

So for Chase cards, you need a little strategy of when to open these, where you prioritize these cards first.


6. Citi Rules for American Airlines Advantage Cards

While you can get the AA Advantage Gold, AA Advantage Platinum, and the AA Advantage Executive cards, you will not receive the sign-up bonus for all three. They have a rule where you can only receive a sign-up bonus on the first one you open. You can, however, close whichever AA Advantage card you get and open another in 24 months and get the bonus, but not before.

My strategy here would be to obviously just open one card, but pick the card with the highest bonus. The AA Advantage Executive is the premium card that has a higher annual fee but some more perks. If that looks worth it to you, then open that. If the annual fee of $450 is a bit steep, I’d go with the better bonus of the Gold and Platinum.

7. Things to Note: Amex Bonuses

American Express points are divine. They transfer to so many airline partners, typically with a 1:1 ratio. Meaning your points equal miles. Some of their 1:1 transfer partners include Delta, JetBlue, Singapore Airlines, Air France/KLM, Air Canada, and so many more.

Amex also has co-branded cards with Delta, Starwood Preferred Guest, and Hilton Honors. While they usually have decent sign-up bonuses, once you get this sign-up bonus, you can never get it again.

Most banks, like Chase and Citi, allow you to close your card and you can receive the sign-up bonus again if you apply 24 months later. Sadly, Amex does not do this, so keep this in mind when figuring out which cards to get.

8. If You Get a Pending or Denied Application, All is Not Lost!

I’ve experienced the nerves that come with a pending review application. I hadn’t opened up many cards at this point so I was worried if I’d screwed it all up. Luckily, each bank has a reconsideration line, which I called. It turned out that they were missing some information, which I supplied and boom! Approved over the phone.

I’ve known many people get denied cards because the bank feels that they have too much credit available on their other cards. All you simply have to do is decrease your credit on a card and you can be approved for the new one.

Basically, all is not lost. If your application is denied, or pending a review, simply call the reconsideration line. It won’t guarantee an accepted application (especially if you’ve applied for a Chase card post hitting your 5/24), but it could lead to an acceptance. A lot of the time a pending or denial could be due to missing information, needing to lower your other card credit lines, etc. Don’t give up getting the card before calling. And if you do get rejected, only the hard inquiry will ding your credit score temporarily, not the rejection.

travel hacking sucess

Always wanted to go to a far-flung location like Cape Town? By travel hacking, it’s entirely possible for cheap!

9. Knowing When to Close

You’ve probably heard that closing a credit card is the worst thing you can do. That it’ll hurt your credit. Besides reading up on how your credit score works, know that while closing a card could impact your credit, it also may not.

For instance, I have a no fee card with US Bank that I’ve had for years. It’s my oldest line of credit. Would I ever close that? Absolutely not. It keeps my overall credit age older, and makes me look like a better person to give credit to. Now my Delta Gold Amex that is almost a year old? I may consider dropping that so I don’t have to pay the annual fee. As it’s a younger card, it won’t affect my overall age of credit much. However, it will affect my utilization rate, as that will lower my available credit, making my amount of credit used look larger. But as I pay off my card each month, my utilization rate is usually 1% or less, meaning closing this account won’t really affect my credit.

The trick here is not to close these accounts right after you get the bonus. Banks notice this and will probably reject you should you apply for another card with them. The best bet is to keep the card until before the annual fee is due, and then either call and convince them to waive the fee or give you something in return for the fee (extra miles, companion pass, etc.), downgrade your card to a no fee card they have, or close the card. Banks want your business, so you may be able to convince them to negotiate the fee or downgrade your card. It’s worth a shot, right?

10. Can You Get a Business Card?

I know, you’re probably thinking that you definitely don’t own a business. But that is where you could be wrong with business credit cards. Maybe you coach a little league team and earn a couple hundred dollars from it. Maybe you sell a few things on Etsy every once in a while. Heck, even a garage sale could count. Or maybe you’re actually creating a business like myself. The applications will let you put your social security in rather than a business ID and you will be considered a sole proprietor. This then opens up a whole range of cards you can get!


Have you started travel hacking yet? Which card is your favorite? Which rule is the most helpful to you? Let me know in the comments!

perfect honeymoon registry

Start travel hacking today!