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Trust me, I hate credit cards just as much as the next person because they have caused me a lot of grief in my life over the years since I was old enough to have one.
In fact, as I have mentioned many times on this blog, we were at one point over $75,000 in credit card debt. Looking back, I can’t even believe we were able to get out of that amount of debt. With perseverance and a lot of hard work, we did it and couldn’t be happier that being in debt is behind us.
So with that being said, I am not recommending this practice if you are already deep in debt. You should cut off all use of credit cards and focus on getting out of debt first and foremost.
On the flip side, if you can use credit cards responsibly and pay off your credit cards every month, there are a wide world of rewards awaiting you at your fingers tips that can lead you to cheap or free vacations to travel anywhere you want around the world.
As a simple example in an earlier post, I wrote about how we stayed at Disney for 10 solid days and our hotel bill was $0. We just got back from traveling to go on a 9 night Caribbean cruise and when we needed to stay in a hotel (4 nights to be exact before and after the cruise), all 4 nights at these hotels were completely free.
We have even earned higher reward categories because we are earning credit card points all year long. Even after cashing in 4 nights for free, we still have 179,678 points to spend on free hotel stays.
As you can see, we are a Platinum Elite and with that it earns you even more fun things when you stay at hotels (Free Breakfast, Late Checkout, Free Snacks, Free Points, etc.). This is specifically the hotel program we are in, but there are many others out there for you to take advantage of.
The hotel credit card we are with has a program in which you can exchange points for other things like airlines, so with one program you can get flights, food and hotel stays for free. So don’t let anyone tell you that nothing in this world is free. I am here to tell you that it is possible to get a free vacation.
Tip #1 – Spend money like you normally would
The key here is that you life today costs money. You have to buy food, you have to buy gas for your car, you have to pay your phone bill and you need to buy clothes, etc.
Since you already plan to buy these items, instead of just taking the money out of your checking account to purchase these items, buy them first on your credit card and then immediately pay them off with your bank account. You can either pay off your credit card as you put things on it, or just wait until the end of the credit card statement period and pay the bill in one lump sum.
For every dollar you spend on your credit card, you earn points. With the points, you can turn those into things like free hotel stays, free flights on airlines, free gas, free groceries and many other perks that go along with these reward programs.
You will be surprised on how fast these rewards stack up.
Tip #2 – Pay off your credit card every month
The whole point in using your credit card is to get “Free” vacations. If you don’t pay off your credit card each month, interest will start to haunt you and what you originally thought was going to be a great idea will begin to cost you more for that vacation than if you didn’t do anything at all.
What I mean is that if you don’t pay off your credit card each month the interest added to your statement will begin to mount. Don’t let this happen.
You also want to make sure you get their payment to them in time because not only will interest be charged but a late charge will be assessed. This is why I like paying credit cards as I use them, then you never run into this issue because you are constantly paying the credit card off and it always satisfies the due date for the statement.
Some people have heard that interest is charged instantly as soon as you put a charge on the card. So why would this then be a good idea. Well this is simply not true. Interest is only assessed if you don’t pay them their money back by the due date. The key here is to make sure its paid completely off before the due date so you get the points without any negative penalty.
Tip # 3 – Take advantage of sign up bonus rewards
For a number of these reward programs, they generally have a teaser to get people to sign up to their credit card and program.
For example, many programs will give you 50,000 – 100,000 free points when you spend a certain dollar amount within the first 3 months of having the credit card.
Sometimes this program offers other incentives so be on the look out for that. They do this periodically and is not offered all the time. The free points is generally a standard offering.
So don’t miss out on these great offers at the start of the program. Don’t sign up to them until you are ready to meet their minimum so you can take advantage of those freebies.
Here are a few favorites of ours that you should check out.
1,002 Credit Cards Reviewed
0% APR Credit Cards
These cards offer an outstanding 0% intro APR on purchases, balance transfers, or both. 1,002 different credit card offers were analyzed with a 0% introductory APR period and here is listed the 10 best no interest offers from our partners to suit different spending habits.
Points to Miles to Luxury Perks!
Travel Credit Cards
Travel credit cards offer valuable rewards for all, whether you travel for business, pleasure, or both. Excellent perks like free checked bags or complimentary airport lounge access are the standard – both enticing and well worth it. From points and miles to luxury perks, these travel credit card offers from our partners are the best around.
1,640 Credit Cards Reviewed
Rewards Credit Cards
From groceries to gas to gadgets, rewards cards help you earn cash, points or miles from your everyday purchases. You can redeem your rewards for cash, shopping or travel. 1,640 different rewards cards were analyzed to give you the best recommendations – check out the 10 best rewards credit cards from our partners.
682 Credit Cards Reviewed
Cash Back Credit Cards
Cash back credit cards are a useful tool to get paid back for the things you buy every day. Many cards offer flat cash back for all purchases, while others offer higher cash back across rotating categories like dining, groceries and shopping. 682 cash back card offers were analyzed. Browse our best picks for the 10 best cash back offers from our partners and find a card that fits your spending habits.
Top Tier Credit Cards
No Annual Fee Credit Cards
While many luxury credit cards charge an annual fee, there is a vast array of top tier credit cards that offer ample rewards without an annual fee. In fact, these include some of the best credit cards around. Find low rates, cash back, and rewards with the best no annual fee cards from our partners below.
368 Credit Cards Reviewed
Business Credit Cards
Business credit cards are useful tools for saving thousands every year. You can get more out of your business expenses by using a credit card with rewards like hotel stays, cash back, and valuable discounts. 368 business credit cards were analyzed to find you the best offers. Here you will find the 10 best business credit cards from our partners.
10 Best Balance Transfer Cards
Balance Transfer Credit Cards
If you are managing debt, a balance transfer credit card could help you pay down debt faster by transferring an existing balance to a new card with lower interest. Hundreds of balance transfer cards were analyzed to find the most favorable introductory offers with low interest and low fees. Compare our picks for the 10 best balance transfer credit cards from our partners and see how much each card could help you save.
300 Travel Credit Cards Reviewed
42 Hotel Cards
Hotel Rewards Credit Cards
Do you live for continental breakfast and mints on your pillow? Earn complimentary stays and room upgrades at your favorite hotel chain with a hotel credit card. Like to hotel hop? If you aren’t loyal to one hotel brand, consider looking at the best travel credit cards that may let you redeem points for hotel expenses. We researched and analyzed 42 hotel cards and 300 general travel credit cards to find you the best recommendations – here are the 10 best hotel credit cards from our partners.
148 Airlines Credit Cards Reviewed
Airline Rewards Credit Cards
Airline credit cards offer perks like free checked bags or airport lounge access while also making it easier to rack up points or miles and save money on flights. We analyzed 148 co-branded airline cards based on miles value, rewards rate, and other benefits to find the best cards for each major airline. Here are the best offers from our partners.
Don’t limit your self with the ones that I profiled above. You need to find the one that works best for you. If you like to go on cruises, each cruise line has their own credit card to where you could earn a free cruise.
Do you like going to Disney? Disney has their own credit card where you could earn a free Disney vacation.
There are tons of options with credit card rewards. You just need to search out what works best for what free vacation your looking to achieve and sign up for that card.
If for some reason, you can’t find the right credit card for you above. We would also like to recommend that you give the CardMatch TM personalized match engine.
By simply entering a few details about you, the CardMatch TM engine will search all available credit cards in the database to find a credit card that matches what you are looking for.
Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.