STUDmoney · Score
Travel points
Also known as
travel hacking · credit card points · chase points · award travel · points and miles
Community talk. May contain inaccuracies. Not financial, tax, legal, or investment advice. No return or outcome is promised.
In brief
Travel points means using card rewards for flights or hotels, with a trip named first.
The common picture
A bonus, a spend, a tripThe loop.
Pay it offInterest eats the hobby.
Not a first card for everyoneFirst-card is the neighbor.
Award-travel talk covers bonuses, spend windows and paying the card off. Carrying a balance for miles is the standing warning.
Good to know. Carrying a balance for a bonus. This is not advice. Not $STUD.
What people say
- The job: a specific trip cheaper, not a lifestyle of 11 cards.
- r/churning adjacent rooms vs r/awardtravel — intensity split.
How it may feel
- A spreadsheet or a headache.
How people do it
- They name the trip first.
Amounts people use
- A signup bonus and a spend window.
How people keep it
- A calendar of annual fees.
How long
- Until the fee or the audit wins.
The longer notes
- First card and credit utilization are the score neighbors.
Good to know
- Carrying a balance for miles.