The Ultimate Guide to Effortless Travel Hacking

5 things you can do right now to start traveling for less.

If you’ve ever seen the movie “A Beautiful Mind,” you might have experienced the awe of someone who just gets numbers. Yeah, that’s not me. The good news is that unlike calculus, manipulating points for inexpensive travel only looks complicated. Get started with this seven step guide to effortless travel hacking for the overwhelmed, lazy, or (like me) a little of both.

The Ultimate Guide to Effortless Travel Hacking

Thankfully, you don’t have to be “A Beautiful Mind” to crack travel hacking.
Photo Credit: Universal Pictures

7 Easy Steps for Effortless Travel Hacking

1. Automate Everything

It’s easy to get overwhelmed by all the moving parts of travel hacking. The less you have to think about, the simpler it will be. Link your credit cards to dining rewards programs that credit you automatically for eating at in-network restaurants. Set up the full-balance of your credit cards to be paid from your bank account every month. This will help you avoid paying interest or late charges (which can easily wipe out any gains from travel hacking!)

Obviously you should keep enough in your checking account to pay your bill. Never spend more than you can afford. Credit cards often offer bonus points/miles when you spend X amount within a few months. It’s easy to get caught up in trying to make the bonus, but you should never spend beyond your means. A basic understanding of compound interest is useful for anyone with credit card debt, because nothing will decimate your travel hacking gains faster than interest payments.

2. Set Up The Right Credit Cards

The Minimum 2-3 Cards You Need:
– No foreign transaction fees (one that is widely accepted like Mastercard or Visa)
– Cash-back
– One with a flexible and lucrative travel rewards program

One of the most daunting things about getting into the travel hacking game is the number of credit cards to choose from. Over time, you’ll find the mix of credit cards that work best for you but these are the ones I recommend getting right away. You should have at least 2 cards, one that offers cash-back, and one that offers rewards/points/miles. The value of cash and points will fluctuate with time, devaluations, inflation, etc. Having a mix of both allows flexibility to decide which method pays back the most.

You will also need a card with no foreign transaction fees. My Chase Sapphire Preferred has an annual fee of $95, which more than pays for itself in a year just from foreign transaction fees saved. My Discover It card (no annual fee) also doesn’t charge FT fees. However, Discover isn’t as widely accepted so I find myself using the CSP (which is a Visa) more often.

3. Spend (Points) Wisely

How you spend the points you earned is another opportunity for getting more value. For example, you should pretty much never redeem points or miles for cash back. That usually results in a 1% return (i.e. You get $0.01 for every dollar you spent). You may have earned those points at 5% ($0.05 for every dollar you spent) then sold yourself short by redeeming too cheaply.

Look out for special (sometimes targeted) offers for using your points. For example, Chase might allow you to transfer your points to a partner hotel at a ratio of 1:5 instead of 1:1 which means you just quintupled the number of points you have. Similar deals with airlines are rarer, but they do happen.

The Ultimate Guide to Effortless Travel Hacking

How lazy people like me hack their way to cheap or free travel without breaking a sweat.

4. Have a Benchmark

When you’re first starting off, it’s hard to know what a “good” rate of return is. Getting even 1% back on things you would have bought anyway seems better than none. However, 1% return is a pretty standard reward for most credit cards. I like to aim for at least 4-5% on all my spending.

Some cards like the Chase Freedom and Discover It have rotating categories every quarter of purchases they’ll give you 5% back on. If there’s something I can wait to buy, I’ll postpone it a few months to get the most cash back. For example, my Discover It card has had at least one quarter of 5% back on every year for the past 2 years. If I don’t need something right away, I keep it in my Save for Later section until I can get a better return.

5. Double or Triple Up Whenever Possible (Layer Benefits)

It isn’t always possible to get 5% back from a single card, and you may want to shoot for an even higher rate of return. In that case, it helps to layer your benefits. Rewards can come in many forms, including coupons, bulk discounts, and store loyalty programs. Anything that either saves you money or gives you more value is a reward.

Many programs are aware of their customers layering benefits, and may prohibit combining benefits. (e.g. REI doesn’t give you a member dividend if you buy an item on sale!). The point is not to figure out how to get around these rules, but work within them to maximize your gain.

6. Use Shopping Portals When Buying Online

Shopping portals as basically online malls with a variety of participating stores. You usually get some kind of reward for going through the “mall” instead of to the store’s site directly. Some airlines have portals that let you earn miles from shopping online. For cash back, I like Ebates, which gives you a percentage “rebate” on whatever you spend at the store you click through to.

Ebates Coupons and Cash Back

If you sign up through this link, I get a commission at zero cost to you!

I like that they include sites I already shop at, including, Banana Republic, and even Groupon. Before they removed REI as a participating store, I got a 5% “e-bate” on my purchases, on top of the member dividend I got directly from REI! (See #5 about layering benefits).

7. Be Flexible, and Decisive

Hold out for a knockout deal, but be ready to act quickly when you find it. The first time I visited Europe, I had a ticket for an epic three-part flight. The first leg was a redeye flight from NYC to Milan. The second leg, 2 weeks later, picked up from Prague, then Singapore via Amsterdam.

How much do you think the ticket for all 3 flights cost me?


That’s in cash, taxes and fees included. And it didn’t cost me a single point or mile.

It was a mispriced flight, and corrected by the airlines within 24 hours. I only found out about it because I subscribed to travel hacking blogs like The Points Guy who picked up the story. With millions of TPG readers looking at the same deal, there was no way this deal would last. There was no time to call friends or corroborate plans, I just bought it. If I had waited a day, the deal would have been gone. Be decisive. Snag the deal, figure out the rest later.

What’s stopping you from becoming an effortless travel hacking pro?

20 thoughts on “The Ultimate Guide to Effortless Travel Hacking

    • Steph says:

      Haha sometimes I do think I rely too much on credit cards as a cornerstone of my travel hacking strategy. There are definitely ways to still collect miles and get cheap flights even if you don’t want to use them or can’t for whatever reason!

  1. melody pittman says:

    Wonderful suggestions and for once, I am going to listen to them. I have been needing to get my reward programs off the ground, especially airline points, and I am going to make the effort to do that right now. I use my credit card points and Delta SkyMiles but the rest I have been too lazy to get control of.

    • Steph says:

      Haha woooooo, I’m so excited for you!! I think once you get going, the learning curve flattens and it becomes suuuper easy. I also think it’s totally OK to concentrate your spending on just a few rewards programs in the beginning—credit card points especially are so versatile that you can probably get away with just using those for a while. Good luck and let me know if you have any questions along the way! I promise to answer comments way faster than I have the past few days, haha.

  2. Tom says:

    I like your #4 point best, the benchmark. People (meaning me) don’t think about a rate of return for points, and that’s a seriously good new way of thinking. I’m going to examine my life better now.

    • Steph says:

      Haha I’m so glad you found something you weren’t doing before! Sometimes when I feel like I’ve hit a wall, it’s nice to learn there’s an easy way to keep improving/get even MORE out of travel hacking than I realized was possible!!

    • Steph says:

      I had the same concern!! It may depend on where you are (I’d look up local laws on that) but I think I’ve read that in the US it’s illegal for them to do that, especially when it’s their mistake. The worst case scenario is that they cancel the ticket and give you a refund. In my experience they’ve always just honored the ticket, I’m just not sure if they’re required to by law. A lot of people fly on mispriced tickets though so I don’t think there’s anything illegal or wrong about it!

    • Steph says:

      So jealous that you’re planning a bucket list trip! I feel like I just keep adding to mine. Airline points are so valuable when trying to hit up multiple places at once or getting a RTW ticket. Can’t wait to read all about your trip whenever it happens!!

    • Steph says:

      It is!! The biggest appeal to me for getting started as soon as possible is that I was already spending a ton on travel and it was time to make those dollars work for me/give something back! Haha

  3. Dang Travelers says:

    Just getting started (the last year or so) with travel hacking using airline and hotel points and we are loving it! Still struggling with knowing when to use points (wisely), but try. Great post for anyone just starting or already travel hacking!

    • Steph says:

      Thanks so much for reading Angela! Honestly, using points wisely is probably the trickiest part for me too! I feel like a lot of reward programs having been changing their rules and devaluing points, so it’s sometimes hard to know what’s a great deal. But the most we can do is try!!

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