The good news:
Booking free holidays is a reality if you have the best travel rewards card.
The bad news:
It doesn’t matter even if you have all the right credit cards, but you are not maximizing your travel rewards correctly.
We’ve all been there –
Once we are hooked on to the concept of travel hacking, we immediately want our wallet to be full of all the right travel rewards cards. Before we know it, we are so excited and dreaming of the next few free trips we are going to book.
But here’s the catch! If you don’t have the right systems and best practices in place, you might end up making many mistakes that could cost you these travel reward points.
In this post, you will learn all the pitfalls and common mistakes you need to avoid, and understand how to fix those to maximize your travel rewards. I have learnt from my mistakes, so make sure you don’t repeat them!
Mistake #1 – Not signing up for Airline and Hotel Loyalty Programs
Every time you fly with an airline or stay at a hotel, you get a chance to sign up for their loyalty programs. And it’s free! If you’re not signing up for these, you’re leaving free points on the table.
For a flight – Try and sign up before your boarding date. It is as simple as a quick sign up on the airline website and boom – you get a frequent flyer number! Do it even if you think you won’t be flying this airline again. What you may not realize at the time that you can transfer these points to another airline partner of this airline. Or these can come in handy for upgrades. It is also believed that airline loyalty members have better chances of a free upgrade.
For a hotel – When you’re staying at the hotel, just ask the front desk about it and they sure will be more than happy to assist you.
FIX IT! – Just make it a simple habit, and don’t be lazy. It takes less than 5 minutes.
Mistake #2 - Not being organized
It can be challenging to keep a track of your miles and points if you are earning rewards across several credit cards. Sometimes, your points expire before you know it. Other times, you get charged an annual fee on a credit card you were not intending to renew. There are many reasons as to why it is important that you’re not all over the place and keeping your points and cards organized.
FIX IT! – You can use free tools like awardwallet or points.com for this purpose.
Mistake #3 - Opening unnecessary credit cards that are not worth it
Picture this – You’re checking out at your favorite retail store (let’s call it Darcy’s) and the store rep gives you a tempting offer to sign up for Darcy’s credit card to get an instant discount of 25% on your current bill. And you jump at the offer, feeling proud of the 12$ you just saved!
Well, I am guilty of doing this myself! And this mistake cost me a delay of 8 months in getting my Southwest Companion Pass. Don’t even ask how many free flights I lost there!
While opening every credit card that you hear of might sound like a good idea at first, but you need to note that some of the big player cards applications have conditions on the number of cards you have opened recently.
Case in point – You know that Chase has a line-up of some of the best credit cards for travel. But do you know of the Chase 5/24 rule?
Chase will decline your application for a new card if you have more than 5 credit cards opened in the past 24 months (be it with any bank!).
And you don’t know when many other players will come up with similar rules.
FIX IT! – To be smart with your points strategy, you ONLY need to have powerful cards – the ones that give you the most bang for your buck. You need to be a bit more strategic, and think long-term! Say NO to the wrong ones and stop losing a lot more just to gain a 12$ discount.
Want to know if you fall under the purview of the Chase 5/24 rule? Download this Points Calculator and Planner, enter your details and find out! You can also monitor all your points and miles across various credit cards in your wallet.
Mistake #4 - Not using Credit Card Shopping Portals
Shopping brings me to another point! When shopping online, you may be losing on a lot of bonus points by simply going to the retailer websites to make your purchase.
Most of your Credit Cards come with huge online malls/shopping portals with tie-ups with many major brands and retailers.
To take our Darcy’s example above — if you want to shop at Darcy’s, instead of going to darcy’s.com directly, here’s what you should be doing. Log in to your Chase account, go to Chase Ultimate Rewards Portal, click through to the retailer through Chase’s portal and pay for your purchase with a card linked to your Chase account. This way you can earn up to 4X Ultimate Reward points in addition to the credit card spends you make!
FIX IT! – Never go directly to a retailer’s website. Always first search the online reward portals of your credit cards to check if they have your retailer’s website listed there.
Mistake #5 – Being too scared of the annual fee
We all want simply free stuff, isn’t it? Well, that’s the idea. But the fact is that fee-based cards generally offer better schemes, and that makes it worth to pay the fee.
Some cards charge about $50-$100 a year while other premium cards also have a much higher annual fee. In most cases, the first year fee is waived off.
Chase Sapphire Reserve charges an annual fee of $450 but then gives back $300 as travel rewards besides other savings. So in effect, you save more than you spend and that’s how you should see the fee as.
FIX IT! – Evaluate your travel goals against the ‘points + free perks’ being offered with the card. If you think reaping the rewards can save you more money than the annual fee in the long run, the card is totally worth the fee.
Mistake # 6 - Not meeting your minimum spend in time
I cannot stress enough on how timing is crucial to get your sign-up bonus points. If you miss the chance of getting these bonus points, you really cannot undo this
Once you are approved of a card, you get about 2 to 3 months (varies for each card) to meet your minimum spend. No amount of pleading the bank will help if you miss this.
FIX IT! – Note that the clock starts with your ‘approval date’, and not when you receive the actual card. You are in luck if you have planned to open this card with some big purchases coming up. If not, there are many creative yet easy ways to meet this minimum spend and earn your bonus points.
Mistake #7 - Closing the cards too soon
Many times, we open up a card just to get the sign-up points and we already know in our head that we will not keep it for longer. Nothing wrong with that!
However, in my experience, it is never a good idea to close the credit card shortly after receiving the bonus points. It is always advisable to wait until next year’s renewal fee and then you can decide if the card’s benefits are valuable enough to justify paying the fee.
Some cards offer additional perks that might make them worth hanging onto for your future travels, such as free checked bags, companion tickets, airport lounge access and more.
Case in point – A free anniversary night with your hotel credit card might be worth more than what you have to pay for the renewal fee.
More importantly, canceling cards within a short period of time can hurt your chances of getting approved for your future applications since you might be flagged for credit card churning. This will also impact your Credit Score negatively.
On the other hand, keeping a credit card open even if it is dormant actually builds your credit score.
FIX IT! – Always wait until you’re closer to the renewal period to take a decision to renew or close your card. Keep a track of your renewal dates with a simple spreadsheet that you can download here.
Mistake #8 – Not optimizing your expenses
You can’t just be satisfied just with the sign-up bonus that you earn! It’s important to keep racking up your points even after to be able to get multiple free trips.
If you have a wallet full of cards, it’s good to know which card to put in use for which expense. One card may give you 3X points on dining but only 1X on groceries. On the other hand, there may be another card giving you 3X on groceries. Why get 1 point when you can get 3 for a dollar spent?
FIX IT! – Split large expenses, like college tuition, home renovation projects, down payment on a car, or a large business expense, among several cards to take advantage of different cards’ benefits and multiple sign-up bonuses.
Mistake #9 - Not paying your monthly credit card bills in full
Once you have the right credit cards, put as much spend as possible on them but make sure you pay it off in full every month. If not, the interest you pay will negate the value of any of those miles and points you gain. And also hamper your credit score in turn.
FIX IT! – Be fiscally responsible with your credit cards. Pay your bills in full and on time!
Mistake #10 - Not getting a Priority Pass
If you have one of the major travel Credit Cards (such as Chase Sapphire Reserve), chances are you are eligible to get a free Priority Pass. And you’re losing out on a lot of amazing benefits if you don’t have one yet!
With this, you get access to thousands of airport lounges across the globe. Long layovers will never be a hassle any more once you have the Priority Pass. Simply enjoy free lounge food, free wi-fi or take a nap at any of these lounges.
FIX IT! – Simple! Get a Priority Pass for yourself ASAP.
Mistake #11 - Not referring your friends
Did you know that you can get as high as 10,000 bonus points by just referring your friends? Read the referral policies of all the credit cards you have.
FIX IT! – Spread the word, show off your know-how of the best credit cards! Let your friends and family also benefit and in turn earn extra referral points.
Mistake #12 - Not signing up for Airline and Hotel Dining Programs
If you are fond of dining out very often, it only makes sense for you to sign up for any dining programs. They’re free and a quick way to double or triple the points that you earn on your dining spend.
This means you will earn awards for both – paying with a credit card (credit card points) + points bonus through the dining program when you eat at a participating restaurant. All you need to do is to attach your credit card once to the program.
FIX IT! – Most airlines or major hotel chains have their own dining programs. Hilton Programs is a great example. There are other third party dining programs that you could consider like UberEats, OpenTable or Restaurant.com.
Mistake #13 - Not using Airline and Hotel Elite Status
If you have been travel hacking for a good amount of time, maybe it’s time to consider getting an Airline or Hotel Elite Status?
These programs can be extremely valuable to get some free perks which can save you a lot of time and money. Reaching an elite status level with an airline entitles you to perks such as a free checked baggage allowance and priority boarding, while status with hotel programs can get you late checkout and complimentary room upgrades.
FIX IT! – You could start with one of your favorite hotel (such as Hilton Honors Program) or an airline (such as United’s Mileage Plus Program).
Mistake #14 - Not checking with the bank if you’re declined
Having a credit card application denied is no fun. There could be various reasons for it, which might be stated in the letter you receive from the bank. Once you’ve understood the reason as to why you’ve missed the mark, you can decide on the next steps.
FIX IT! – It never hurts to call the bank once and ask for a reconsideration. You can always explain the good side stating how you have been diligent with making all due payments in the past year or more. It could well worth be a try!
Mistake #15 - Not traveling enough
Don’t forget the reason you’re racking up all these points – to travel far, travel frequently and travel free! Isn’t it?
So don’t just use your points against the payment of your bills. If you’re doing this, not only are you missing out on the many opportunities to travel, but it is definitely not the smartest way to redeem the value of your points.
FIX IT! – Redeeming your points for travel is WAY more profitable than simply paying your bill. This means that the dollar value of your points is generally 1.25 or even 1.5 times if you redeem those against a flight or travel related booking. Even better if you’re able to find the cheapest air fare deals with a few simple hacks!
Related: How I paid ZERO for a $2,000 vacation to Lake Tahoe
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My Husband and I always talking about traveling but it seems so expensive. These are wonderful tips to save some money and maximize benefits. I never thought about using a travel rewards credit card before.
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Thanks for stopping by the blog. Travel rewards card are a great way to get some free travel very quickly, without spending any more than you already do. Do check out my posts to get you started with travel hacking, and feel free to write to me if you need any help. Will be glad to assist you to get started.
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These are great things to keep in mind! I think paying credit cards off in full each month is definitely helpful…it’s so easy to forget and those fees are painful!
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I’ve always thought these reward points a little confusing. Thank you so much for making it a little clearer! 🙂
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Thanks for stopping by the blog, Stine. Do let me know if you need any help getting started with travel points. Would love to get you started 🙂
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