Travel Hacking: Juggling Multiple Credit Cards

In my most recent posts, I’ve talked about using credit cards to earn miles and points for travel, and have looked at a comprehensive list of the offers out there. Now comes the next step in the equation: juggling multiple credit cards.

After you’ve signed up for a credit card, and have spent and earned the proper bonus, it’s time to move on to a new card. If you’re looking to gain maximum points and miles for your spending, continuing to spend on a single card after the bonus is over won’t provide you with much. Juggling multiple cards, though, is not an easy feat, and is one that takes lots of precision and follow-up. Without it, you can find yourself drowning in too many cards, or in renewal fees up to your eyeballs (yikes!).

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Travel Hacking: A Comprehensive List of Travel Credit Cards

There are dozens of travel credit cards out there. With all of the options, decision making can get a bit overwhelming! Which card do I choose? How do I know which card is right for me?

This list is here to help. Below, you’ll find a comprehensive list of current travel credit cards and what sign-up bonuses they offer (this list will be updated regularly). As you browse through the options, think realistically about a few things:

Am I willing to pay all credit card bills on time? Am I comfortable calling to cancel the card when the time comes?

What type of reward am I looking for? Flights? Hotels? Something else?

How much can I spend in the allotted time, without overspending or spending unnecessarily?

Am I willing to pay an annual fee in exchange for more points, or do I want all annual fees waived?

Note that these offers are limited, and my vary depending on your credit score and eligibility. I’ve highlighted my favorite offers below in red.

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Travel Hacking: Credit Cards, Points, & Miles

One of the best and easiest ways to travel for next to nothing is by using credit cards to collect reward points and miles – or, more specifically – to sign up for a new credit card that’s offering a terrific sign-up bonus to collect a lump sum of reward points. Sound simple? Because it is!

This is the solid foundation behind our travel hacking. Because flights and hotels tend to be the most expensive part of travel, using credit cards is a great way to lower, and even waive, these costs. Sign-up bonuses are key here, as they provide far more points and miles than you could gain by spending over time. For example, let’s say you spend $20,000 a year on credit cards. Spending on a normal airline credit card without a sign-up bonus will earn you 20,000 miles. But by completing the steps below multiple times, with different cards, you can earn 20,000 miles in regular spending, plus another 300,000 miles in sign-up bonuses, for a total of 320,000 miles. Not to mention the free hotel nights, lounge access, and other perks that come with reward cards!

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