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Our Credit score Card Technique For Journey Rewards


We began utilizing bank cards for journey rewards final 12 months and have booked a handful of journeys on factors. Right here’s our private bank card technique, the playing cards we selected, and the journeys we took! This submit consists of affiliate hyperlinks, and any card affords talked about might change in time. 

When you’re following together with this weblog, you already know we began opening bank cards with the intention of accumulating factors to spend on journey at first of 2021. I saved listening to about journey rewards or “journey hacking” on the monetary podcasts I like, and I began – very slowly – to study the ropes. I put my 1% money again financial institution card in a drawer and have moved on to far more profitable playing cards. 

When you’re model new to journey rewards with bank card factors, READ THIS POST FIRST: How To Journey Utilizing Credit score Card Factors! It has the 101 fundamentals and easy methods to get began. 

The “Excellent” Card Path

Some individuals will inform you that the “good” path is determined by present affords, which is why it’s arduous to nail down a really perfect one. That is positively true, however I additionally suppose you’ll be able to decide a fairly good common path and insert any playing cards which have finest present affords every time it’s worthwhile to. 

The “good” path additionally is determined by your journey targets, what playing cards you have already got, and the place you reside. That stated, most specialists suggest beginning with Chase factors (learn why in my first submit) after which branching out to different level “currencies” from there. 

Whether or not you’ve a enterprise (loosely outlined), and in the event you’re solo or a pair additionally impacts the order you would possibly select. 

The entire above causes are why I believe examples of how actual individuals have utilized for playing cards and gathered factors are useful! 

Keep Organized With Journey Freely

When you get just a few playing cards open, you’ll want card organizer. You should use a spreadsheet, however that requires a specific amount of duty to recollect to replace it. I take advantage of the Journey Freely card organizer to maintain monitor of my playing cards, dates, charges, and factors. The app additionally tells you when it’s time to get a brand new card and any present finest affords occurring. It’s an all-in-one card hub that I extremely suggest!

Actual Card Technique Articles

The Journey Freely weblog has written just a few nice articles on bank card technique with precise examples of the order individuals have utilized for playing cards. After I was getting began, I discovered these tremendous useful as a result of all of us want extra actual life examples, proper?!

Take a look at the bank card technique posts right here: 

  1. Solo Newbie Credit score Card Technique (225,000 factors)
  2. Newbie with Enterprise Credit score Card  Technique (400,000 factors)
  3. {Couples} Credit score Card Technique (600,000 factors)

I discovered these articles so useful to stroll by means of the timeline and card order that I needed to share our personal bank card technique and path with all of you. 

Newcomers: If the considered getting 10 playing cards in a 12 months or two is overwhelming, simply begin with one! One nice journey card is healthier than your 1% financial institution card. The Chase Sapphire Most well-liked and Capital One Enterprise Rewards Credit score Card are each nice starter journey playing cards. 

Our Credit score Card Technique

Private Credit score Playing cards

You will notice our tempo has been fairly sluggish. We’ve principally gotten a brand new card after we’ve had cause to or there was promo or SUB (aka, sign-up bonus) occurring. My entire perspective all through has been “don’t rush,” and so whereas we technically might have gotten extra factors quicker, our tempo has appeared manageable. 

February 2021: Kath will get Chase Sapphire Most well-liked

SUB was 60k factors plus $60 in free Peloton credit and a DoorDash go for the 12 months. Additionally new to 2022 is a $50 resort credit score. 

April 2021: Thomas will get Chase Sapphire Most well-liked

SUB was 80k factors (want I had waited!) plus the identical because the above. 

August 2021: Kath will get Chase Freedom Flex

SUB was 20k factors, BUT, they’d a promo for 5x factors on groceries for the primary 12 months, so we’ve put all groceries on that for a bonus of 60k factors on a max of $12k in groceries. Complete factors = 80k plus extra from flex classes. 

March 2022: Kath will get Capital One Enterprise X Rewards Credit score Card

This card had an unimaginable 100k level SUB AND a bonus $200 on a trip rental AND $300 journey credit score within the portal. These meant after the $395 annual price I got here out $100 forward. Plus a free Precedence Cross membership. 

June 2022: Thomas will get Capital One Enterprise Rewards Credit score Card (the common one)

SUB was 75k factors. This card is principally similar to the Enterprise X above however is barely much less premium. I would downgrade my X to this one when the annual price is due, relying on what’s occurring on the time. 

Complete factors from join bonuses = ~400,000 (plus extra from spending!)

Enterprise Credit score Playing cards

As beforehand talked about, with two companies you’ll be able to greater than double the factors you’re eligible for! Thomas has a giant spender enterprise (they purchase a lot of lumber and constructing supplies and provides) and I’ve a small enterprise (I’m shopping for Beautycounter samples, digital subscriptions, and web internet hosting.)

An enormous spending enterprise will clearly earn you extra factors simply with spending, however keep in mind it’s the sign-up bonuses which might be the main target, so even a small enterprise who can hit the minimums could make this work. 

Playing cards We Have

  1. Ink Enterprise Most well-liked (Thomas)
  2. Ink Enterprise Money (each)
  3. Ink Enterprise Limitless (each, and Thomas acquired an additional bonus on this)
  4. You possibly can see we’ve many extra to return! 

Complete factors from join bonuses = ~500,000 (plus extra from spending!)

Complete Factors Complete = 1,000,000+

Spending Factors: The Journeys We’ve Taken

The way in which we’ve spent our factors was not the Very Finest Method. I worth simplicity and ease over squeezing each final redemption greenback out of my technique, so there are occasions once I simply booked journey inside Chase and known as it a day reasonably than researching and utilizing Chase switch companions. I’m OK with that call as a result of I do know we will all the time earn extra factors! Fascinated by the proper switch associate, particularly with flights, stresses me out. So I simply saved it easy and booked journey in Chase or Capital One. 

August 2021: Durham Hip + Fashionable Lodge

Thomas and I stayed for an evening on the Unscripted Lodge. 

  • Factors: 17,000
  • Worth: $232

January 2022: Winter Getaway To Miami Seaside

We stayed on the Nautilus by Arlo for 3 nights that I booked by means of Chase. (We used vouchers from cancelled 2020 flights to fly there so no factors have been spent on flights.)

  • Factors: 165,000
  • Worth: $2,071

March 2022: Staycation on the Swanky Quirk Lodge

Mazen and I stayed on the Quirk for the night time. I transferred 15k factors to Hyatt and booked it there. (Sadly The Quirk is not a Hyatt associate.) 

  • Factors: 15,000
  • Worth: $250

March 2022: Group Birthday Celebration at Primland Resort

This journey wasn’t booked with factors, however noting right here that we put it on the brand new Cap One Enterprise X card and I acquired a $200 credit score for reserving a “trip rental.” I used to be happy this counted for that!!

April 2022: Williamsburg Lodge

My mother-in-law and I had deliberate to remain collectively for one night time for a marriage bathe, however on the final minute I couldn’t go. She went with out me! 

  • Factors: 19,000 
  • Worth: $242

June 2022: Household Enjoyable Summer time Journey to The Homestead

If you already know a factor or two about journey rewards, you’re going to cringe on the redemption worth right here, however we booked this journey final minute as a deal with for the boys, and it was price each penny we didn’t truly spend! We knew going on this wasn’t a fantastic worth, however as a result of we had the factors, we simply thought: use them now whereas we will! We additionally charged all of our meals to our room, and I used the Cap One journey eraser to erase that cost with factors, so there’s much more worth on this journey! 

  • Factors: 123,000
  • Worth: $1,543
  • Used Chase Sapphire $50 resort credit score
  • Used ~$400 price of factors to erase meals

August 2022: New Orleans

Mazen and I’ve a visit to NOLA booked! I used factors for one flight and used the $300 Cap One journey credit score for the opposite. 

  • Factors: 37,000 + $300 credit score
  • Worth: $750

December 2022: Celebrating our fortieth Birthdays / 5 Yr Wedding ceremony Anniversary

We cashed in a BUNCH of factors and are going someplace actually enjoyable and tropical simply the 2 of us!! Any guesses!?

Future Journey: Disney

We are able to’t resolve after we wish to go to Disney and if we wish to use factors (which you’ll be able to on the Swan or Dolphin accommodations) or keep in a Disney resort. Learn extra on easy methods to do Disney on factors right here! We will certainly use factors for the flights, and can most likely go for the Southwest playing cards for that. 

Complete Worth: Greater than $10k! 

As you’ll be able to see, the small quantity of labor to trace playing cards has paid off for us in a significant means!!

I believe it’s additionally clever to keep in mind that you don’t need to journey hack perpetually. You may also be smarter than us and simply use factors on flights (the perfect worth) and pay money for accommodations.

You additionally don’t need to guide large holidays to make this price your whereas – a buddy of mine has a son in journey soccer and has to guide numerous one-nighters at accommodations for his tournaments. Since opening just a few playing cards, she’s been capable of guide these accommodations on factors. Begin small and study the ins and outs and work your means up (or don’t!). 

Journey Rewards Course >

If you would like the 101 data despatched to your inbox, drop your electronic mail within the type under and also you’ll get 4 days of emails by subject masking the fundamentals of easy methods to get began : )  



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