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Travel Hacking 101- What Is It And How Can You Do It?

With countless options at your fingertips, budget travel is more accessible than ever. Whether you’re looking to explore the world through volunteering or working abroad, hunting for bargain flights, or tapping into the sharing economy, the possibilities are endless. Even with pandemic-related price increases, travel is still affordable and there are so many amazing deals out there waiting for you to grab! But if you want to take your savings to the next level, there’s one surefire way to do it: travel hacking 101!

I’ve been doing it for years and have racked up more free flights and hotel stays than I can even keep track of. Trust me, if you’re not taking advantage of travel hacking, you’re missing out on a ton of money-saving opportunities and paying way more for travel than you need to be. In this guide, I’ll show you the basics or how I like to call it travel hacking 101 (and don’t let the name scare you, this is not a travel hacking course) and show you how you can do it too.

Let’s start with the basics…

What Is Travel Hacking?

minimalist travel snow

Travel hacking is the ultimate secret weapon for savvy adventurers looking to maximize their travel experiences without breaking the bank. It’s all about mastering the art of finding the best deals, rewards, and perks to get the most out of your travels.

By utilizing credit card rewards, loyalty programs, and strategic planning, travel hacking allows you to fly first-class, stay in luxurious hotels, and explore new destinations all while staying within your budget. With a little bit of creativity and resourcefulness, you can become a travel ninja, unlocking the hidden gems of the world without spending a fortune.

Is Travel Hacking Legal?

Yes, travel hacking is legal as long as it is done ethically and in accordance with the terms and conditions of loyalty programs and credit card issuers. Travel hacking 101 is simply a strategy for maximizing rewards and savings on travel-related expenses by using credit card rewards, loyalty program points, and other similar benefits.

However, it’s important to note that some practices commonly associated with travel hacking 101, such as credit card churning or abusing the system to accrue rewards, may be seen as unethical or even fraudulent. So, as with any activity, it’s important to approach travel hacking with integrity and a commitment to ethical practices.

Which Components Does Travel Hacking Consist Of?

Travel hacking consists of several components that work together to help travelers save money and get the most out of their trips. Here are some of the key components:

  1. Credit Card Rewards: This involves using credit cards that offer rewards points or miles for purchases made. Travel hackers strategically use these rewards to pay for flights, hotels, rental cars, and other travel expenses.
  2. Loyalty Programs: Many airlines, hotels, and rental car companies offer loyalty programs that reward frequent customers with free upgrades, discounts, and other perks. Travel hackers take advantage of these programs to maximize their savings.
  3. Flexible Travel Dates: Being flexible with travel dates allows you to take advantage of seasonal deals, flash sales, and other promotions that can save you money on travel.
  4. Travel Hacking Tools: There are many travel hacking tools available, such as apps and websites that help travelers find the best deals on flights, hotels, and other travel expenses.
  5. Using Travel Points Strategically: Use your points and rewards strategically to get the most value for your money. For example, using points to book a first-class flight can be more cost-effective than paying for an economy-class ticket.

By using these components together, travel hackers can save a significant amount of money on travel, allowing them to travel more frequently and experience new destinations without breaking the bank. Now, let’s help you design your own travel hacking 101 strategy by going through all of these components, starting with…

Credit Card Rewards

credit cards travel hacking 101

Credit card rewards can be a game-changer when it comes to travel hacking 101. By strategically using credit card rewards, you can earn points, miles, and cash back that can be redeemed for flights, hotel stays, and other travel expenses. Here are some strategies for maximizing credit card rewards for travel hacking:

  1. Sign Up for the Right Credit Cards: Look for credit cards with generous sign-up bonuses, low annual fees, and rewards programs that align with your travel goals. Consider cards that offer bonus rewards for travel purchases, such as airfare and hotels.
  2. Use Your Credit Card for All Travel Expenses: Make sure to use your credit card for all travel expenses, including flights, hotels, car rentals, and meals. This will help you earn rewards quickly.
  3. Pay Off Your Balance in Full Each Month: To avoid interest charges, make sure to pay off your credit card balance in full each month. This will help you avoid debt and maximize your rewards.
  4. Use Your Rewards Strategically: Redeem your rewards for travel expenses that offer the most value. For example, using rewards for first-class flights, hotels or other luxury gifts can offer more value than redeeming them for economy-class flights.
  5. Keep Track of Your Rewards: Make sure to keep track of your rewards points and expiration dates to ensure you don’t miss out on valuable rewards.

Should You Stick To Just One Credit Card?

There is no one-size-fits-all answer to whether you should stick to just one credit card when travel hacking. The decision ultimately depends on your personal goals and travel habits. Personally, I use multiple credit cards from different airlines, including Qatar Airways, KLM, Turkish Airlines, etc. and I use to combine all of my points. Here are a few factors to consider when deciding whether to stick to one credit card or diversify:

  1. Sign-up Bonuses: If you’re looking to maximize sign-up bonuses, it may make sense to apply for multiple credit cards with generous bonuses. Just make sure you can meet the minimum spend requirements without taking on too much debt.
  2. Rewards Programs: If you have a specific airline or hotel loyalty program that you prefer to use, it may make sense to stick to a credit card that offers rewards for that program. However, if you’re more flexible with your travel plans, diversifying your credit cards may offer more opportunities to earn rewards.
  3. Annual Fees: Some credit cards charge high annual fees, which can eat into the value of your rewards. If you’re trying to minimize costs, sticking to one credit card with a low or no annual fee may be a better option.
  4. Credit Score: Applying for multiple credit cards can have a temporary negative impact on your credit score. If you’re planning to apply for a loan or mortgage in the near future, it may be wise to limit the number of credit cards you apply for.

Doest Credit Card Churning Work?

international credit card
international credit card

Credit card churning can be an effective strategy for travel hacking. The concept of credit card churning is to sign up for credit cards, earn the sign-up bonus, and then cancel the card before the annual fee is due. While this may seem like a short-term strategy, it can result in earning a significant amount of points and miles quickly.

Credit card issuers offer generous sign-up bonuses to entice new customers, and by taking advantage of these bonuses, you can earn a large amount of points or miles that can be used towards travel.

However, credit card churning is not for everyone. It requires discipline and responsibility to manage multiple credit cards and avoid accruing debt. Additionally, it may impact your credit score in the short term, but with responsible use, it can also improve your credit score in the long run.

If done correctly, credit card churning can be a valuable strategy for travel hacking and allow you to travel more often and more comfortably without breaking the bank.

Can I Use Different Airlines Loyalty Programs With Just One Credit Card?

It depends on the specific credit card rewards program and the terms and conditions of each airline’s loyalty program. Some credit card rewards programs allow you to transfer your rewards points to different airlines’ loyalty programs, while others may only allow you to redeem your rewards for specific airlines or travel partners.

If you’re interested in using different airlines’ loyalty programs on one credit card, make sure to research the rewards program and its partner airlines before applying for the card. Look for a credit card that offers flexibility in redeeming rewards points, and check to see if the card allows you to transfer points to multiple airlines’ loyalty programs.

It’s also important to keep in mind that some airlines have blackout dates and other restrictions on award travel, which can make it more challenging to redeem your rewards. Make sure to read the terms and conditions of each airline’s loyalty program carefully to understand the rules and restrictions.

Also, this is where travel hacking tools like come into play. With, you can that allows users to manage their loyalty program rewards and exchange them between different programs. It serves as a one-stop-shop for users to track and manage their loyalty program points and miles from various airlines, hotels, credit card companies, and other loyalty programs.

Can You Travel Hack Without A Credit Card?

While credit cards are a popular tool for travel hacking, it is possible to travel hack without a credit card. There are several other ways to earn points and miles, such as signing up for loyalty programs, booking through travel portals, and taking advantage of promotions.

Loyalty programs, such as airline and hotel loyalty programs, offer points or miles for flights and hotel stays. These points can be redeemed for future travel, upgrades, and other perks.

Booking through travel portals, such as Expedia or, can also earn points or miles. These portals may offer bonuses for booking through their site, which can be used towards future travel.

Taking advantage of promotions, such as sign-up bonuses for bank accounts or shopping portals, can also earn points or miles. Some airlines or hotels may offer promotions for booking during certain times of the year or booking specific routes or properties.

Travel Hacking 101 And Credit Card Fees

Travel hacking credit cards can come with a variety of fees that can impact their overall value. One common fee is an annual fee, which can range from $0 to several hundred dollars depending on the card and its rewards program. While a high annual fee may seem daunting, it’s important to weigh the benefits of the rewards program against the cost of the fee to determine if it’s worth it for you.

Another fee to watch out for is foreign transaction fees, which can be charged by credit card issuers for purchases made outside of your home country. If you plan on using your travel hacking credit card for international travel, it’s important to look for a card that doesn’t charge foreign transaction fees.

Finally, late payment fees and interest charges can also impact the value of your travel hacking rewards. To avoid these fees, it’s important to always pay your credit card balance in full and on time each month.

Can Travel Hacking Affect Your Credit Score?

loyalty programs: luxury travel on a budget

Travel hacking 101 can have both positive and negative effects on your credit score, depending on how it’s done. One of the main ways that travel hacking can impact your credit score is through credit card applications. Every time you apply for a credit card, it generates a hard inquiry on your credit report, which can temporarily lower your score. However, if you use your credit cards responsibly and pay off your balances in full every month, it can have a positive impact on your credit score by demonstrating responsible credit behavior and lowering your credit utilization ratio.

On the other hand, if you carry a balance on your credit cards or make late payments, it can have a negative impact on your credit score. Additionally, opening multiple credit accounts at once or closing old accounts can also impact your credit score, so it’s important to be strategic about how you manage your credit when travel hacking.

Travel Hacking 101- Choosing The Right Loyalty Program

When it comes to travel hacking 101, choosing the best loyalty program can make all the difference. A great program can help you earn points and rewards faster, access exclusive perks, and save money on your travels. So, how do you choose the best loyalty program?

First, consider your travel goals. Are you looking to earn points for flights, hotels, or both? Do you prefer a particular airline or hotel brand? This will help you narrow down your options and find a program that fits your needs.

Next, look for programs that offer generous rewards and perks, such as sign-up bonuses, free checked bags, or priority boarding. Also, consider the flexibility of the program, including the ability to transfer points to other programs or book travel on multiple airlines or hotels.

Lastly, don’t forget to read the fine print. Look for any restrictions or blackout dates that may limit your ability to redeem rewards, and make sure the program aligns with your spending habits and budget.

By considering these factors, you can choose a loyalty program that will help you achieve your travel hacking goals and make your travels more rewarding.

What Are Miles And Points And How Do They Work?

airport flight booking tips

Miles and points are rewards earned by using certain credit cards or participating in loyalty programs offered by airlines, hotels, and other travel-related companies. These rewards can be redeemed for various travel-related expenses such as airfare, hotel stays, car rentals, and more. The value of miles and points varies depending on the loyalty program and the type of reward being redeemed.

Some rewards may offer higher redemption value than others, and some loyalty programs may offer better deals on certain travel expenses than others. Additionally, the value of miles and points can be impacted by factors such as blackout dates, seat availability, and changes in reward program policies. It’s important to understand the value of your miles and points and to plan your redemptions strategically to maximize their worth.

Travel Hacking 101 Tools

Travel hacking can be an exciting and rewarding way to see the world, but it can also be overwhelming without the right tools. Here are some top travel hacking tools to help you plan and execute your travels like a pro:

  1. AwardWallet: This free tool helps you keep track of your loyalty program points, miles, and rewards in one place, making it easy to manage and redeem them.
  2. Flight comparison tools like Google Flights, Momondo, or Kayak act as powerful search engines that helps you find the cheapest flights to your destination, compare deals from different airlines, mix and match your flights, and even set alerts so you know when prices for your destination drop.
  3. Secret Flight Club is a subscription-based service that offers its members access to exclusive flight deals and error fares, which are flights that are priced much lower than usual due to an airline mistake or computer glitch. The service is designed to help members save money on airfare and travel more frequently without breaking the bank. The deals are often time-sensitive, and members must act quickly to take advantage of them before they expire. You can use my link to get a free trial and up to 20% off your purchase.
  4. Hopper: This app predicts when flight prices will drop and alerts you when it’s the best time to book.
  5. Hotel Hustle: This tool helps you find the best deals on hotel rooms, and even shows you the rates offered by different booking sites.
  6. This platform allows you to manage all of your loyalty program points in one place and even transfer points between programs.
  7. Airhelp is a platform that helps air passengers around the world enforce their rights and get compensation for flight disruptions, such as delayed, canceled, or overbooked flights. Every time your flight is delayed for 3 hours or more, you’re entitled to compensation and the longer the delay, the longer the compensation.
  8. Raileasy is a platform that allows rail travellers to book their tickets in advance, often resulting in savings of up to 70% compared to the regular ‘on the day’ prices.
  9. Credit Card Comparison Tools: Websites like NerdWallet and Credit Karma offer tools to compare credit cards, their rewards, fees and other features.

How To Maximize Your Point Earnings?

To maximize your points earnings for travel hacking, you need to be strategic and intentional in your approach. Here are some tips to help you earn more points and miles:

  1. Choose credit cards that offer generous rewards for travel-related purchases, such as airfare, hotels, and rental cars. Also, consider cards that offer sign-up bonuses and waive annual fees in the first year.
  2. Use your credit cards strategically for all your everyday purchases to earn points and miles faster. Also, be strategic in your spending by using your cards for big-ticket items, such as home renovations or car purchases.
  3. Take advantage of bonus categories– Many credit cards offer bonus rewards for certain categories, such as groceries, gas, or dining. Make sure to use your cards for these categories to earn extra points.
  4. Use shopping portals– Many loyalty programs offer shopping portals that allow you to earn points or miles for online purchases. Make sure to use these portals when shopping online to earn extra rewards.
  5. Take advantage of promotions and bonus offers from your loyalty programs and credit card issuers. These can be a great way to earn extra points and miles.

Using Travel Points Strategically

traveling solo in spain

Using travel points strategically can help you stretch your rewards further and make your travels more enjoyable. Here are some tips to help you use your travel points strategically:

  1. Plan ahead: Start planning your trips well in advance to take advantage of the best redemption rates for your travel points. Look for off-peak travel times and book early to secure the best deals.
  2. Use airline alliances: If you’re a member of a particular airline’s loyalty program, consider using their alliance partners to maximize your rewards. This can help you earn points and miles faster and give you more options for booking travel.
  3. Be flexible: Consider being flexible with your travel dates and destinations to take advantage of the best redemption rates for your travel points. This can help you save money and maximize your rewards.
  4. Look for deals: Keep an eye out for promotions and bonus offers from your loyalty programs and credit card issuers. This can be a great way to earn extra points and miles, and save money on your travels.
  5. Upgrade your travel: Consider using your travel points to upgrade your travel experience. This can help you get more value from your rewards and make your travels more comfortable and enjoyable.

Enjoying this post? Then you may also like our list of the best travel accessories.

Transferable Points

Transferable points are a travel hacker’s best friend! These are rewards points that can be transferred between different loyalty programs, allowing you to maximize your rewards and get the most value out of your points. With transferable points, you have the flexibility to choose which loyalty programs to use based on your travel plans, rather than being tied to one specific program.

Transferable points can be earned through credit card rewards programs, such as American Express Membership Rewards, Chase Ultimate Rewards, and Citi ThankYou Points. These programs allow you to transfer your points to a variety of airlines and hotel loyalty programs, giving you more options for redeeming your rewards.

One of the best things about transferable points is that they can be combined with other rewards, such as frequent flyer miles, to help you book your dream vacation. By using transferable points strategically, you can unlock amazing travel experiences that you may not have thought were possible. So, if you’re a travel hacker, make sure to consider credit cards with transferable points programs for maximum rewards and flexibility.

With that, we conclude our guide to travel hacking 101. Did you find it helpful? Did you learn some new things? Are there any other important things you think we forgot to mention? feel free to share your thoughts in the comments below.

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Did you enjoy this list of travel life hacks? Do you have a few more to add? Let me know in the comments!

travel hacking
travel life hacks


Tuesday 19th of May 2020

Wow, so informative hacks for travelers every traveler should know this.

Passport Symphony

Tuesday 26th of May 2020

Thank you, Nishi