If you want to earn a
seriously huge amount of miles and points to fly for free, you need to use the
right tools. All serious mile and point
collectors know and use “THE TOOLS”! If
you are serious about collecting thousands of miles and points to fly free all
over the world, you need to know about “THE TOOLS” and use them
effectively. It really isn’t rocket science, but it does
take some thinking and work. If you have a passion for traveling then
that passion will drive you to get seriously into the hobby of collecting miles
and points every way possible.
Let’s get down to it! So the basic concept is to use various
financial products (i.e. American Express Bluebird, Vanilla Reload Cards, Visa
Gift Cards, Prepaid Cards, etc.) to funnel money through to earn thousands of
miles. The use of these systems and
financial tools is all completely legal according to the terms and conditions
of the various financial products I will discuss.
You can earn thousands of miles very easily
through buying various products which can in turn be cashed out or funneled
back into your bank account.
THE TOOLS
·
GET THE RIGHT CARD
Get a high earning rewards card. This means you need a credit card
that earns a high amount of miles/points per dollar. Many collectors favorite
card is the Chase Ink Bold or Chase Ink Plus which both earn 5 points per
dollar on purchases at office supply stores. These are awesome cards and
I use them all the time but this strategy can be used with any high earning
rewards card.
Here is a list of some high earning credit
cards by separated bonus spending categories:
Office Supply Stores
·
Chase
Ink Bold: 5X, up to $50K per
year in spend
·
Chase
Ink Plus: 5X, up to $50K per
year in spend
·
Chase
Ink Classic: 5X, up to $25K per
year in spend
·
Chase
Ink Cash: 5X, up to $25K per
year in spend
·
Lowe’s
Business Rewards: 3X
·
American
Express SimplyCash: 5%, up to $12K per
year in spend
·
CitiBusinessAAdvantage
World Mastercard: 2X
·
Chase
MileagePlus Explorer Card for Business: 2X
Drug Stores
·
American
Express Hilton HHonors: 6X
·
American
Express Hilton HHonors Surpass: 6X
·
US
Bank Cash+: 2%*
·
Chase
Amazon.com Rewards: 2X
Grocery Stores
·
American
Express Blue Cash Preferred: 6%, up to $6K per year in spend
·
SallieMae
World MasterCard: 5%,
up to $250 per month in spend
·
PenFed
Platinum Rewards: 3X
·
American
Express Hilton HHonors: 6X
·
American
Express Hilton HHonors Surpass: 6X
·
US
Bank FlexPerks Travel Rewards: 2X***
·
American
Express Premier Rewards Gold: 2X
·
US
Bank Cash+: 2%*
·
BOA
BankAmericard Cash Rewards: 2%, up to $1500 per quarter****
·
Chase
Disney’s Premier: 2%
Department Stores
·
US
Bank Cash+: 5%*
·
American
Express Blue Cash Preferred: 3%
Gas Stations
·
Fort
Knox Federal Credit Union Visa Platinum: 5%
·
PenFed
Platinum Rewards: 5X
·
SallieMae
World MasterCard: 5%,
up to $250 per month in spend
·
True
Earnings Business Card from Costco and American Express: 4%, up to $7K per year in spend
·
American
Express Blue Cash Preferred: 3%
·
American
Express Hilton HHonors: 6X
·
American
Express Hilton HHonors Surpass: 6X
·
BOA
Bank Americard Cash Rewards: 3%, up to $1500 per quarter in spend****
·
US
Bank FlexPerks Travel Rewards: 2X***
·
Chase
Ink Bold: 2X, up to $50K per
year in spend
·
Chase
Ink Plus: 2X, up to $50K per
year in spend
·
Chase
Ink Classic: 2X, up to $25K per
year in spend
·
Chase
Ink Cash: 2X, up to $25K per
year in spend
·
Chase
MileagePlus Explorer Card for Business: 2X
·
American
Express Premier Rewards Gold: 2X
·
American
Express Business Gold Rewards: 2X
·
US
Bank Cash+: 2%*
·
Chase
Amazon.com Rewards: 2X
·
Chase
Disney’s Premier: 2%
Restaurants
·
US
Bank Cash+: 5% cash back.*
·
Citi
Forward: 5X
·
Chase
Sapphire Preferred: 2X**
·
Lowe’s
Business Rewards: 3X
·
Chase
Sapphire: 2X
·
Chase
Ink Cash: 2X
·
Chase
MileagePlus Explorer Card for Business: 2X
·
Chase
Hyatt Visa Signature: 2X
·
True
Earnings Business Card from Costco and American Express: 2%
·
Chase
Amazon.com Rewards: 2X
·
Chase
Disney’s Premier: 2%
·
Chase
Marriott Rewards Premier: 2X
Hotels
·
US
Bank Cash+: 5%*
·
Chase
Sapphire Preferred: 2X**
·
Chase
Ink Bold: 2X, up to $50K per
year in spend
·
Chase
Ink Plus: 2X, up to $50K per
year in spend
·
Chase
Ink Classic: 2X, up to $25K per
year in spend
Airlines / Travel
·
US
Bank Cash+: 5%*
·
PenFed
Premium Travel Rewards: 5X
·
American
Express Premier Rewards Gold: 3X
·
American
Express Business Gold Rewards: 3X
·
Chase
AARP Visa: 3%
·
US
Bank FlexPerks Travel Rewards: 2X***
·
Chase
Sapphire Preferred: 2X**
·
Chase
Hyatt Visa Signature: 2X
·
Citi
Hilton HHonors Reserve: 5X
·
True
Earnings Business Card from Costco and American Express: 2%
·
Chase
Marriott Rewards Premier: 2X
Car Rental
·
US
Bank Cash+: 5%*
·
CitiBusinessAAdvantage
World Mastercard: 2X
·
Chase
AARP Visa: 3%
·
Chase
Sapphire Preferred: 2X**
·
Chase
Hyatt Visa Signature: 2X
·
Citi
Hilton HHonors Reserve: 5X
·
Chase
Marriott Rewards Premier: 2X
Phone, Cellular, Internet
·
Chase
Ink Bold: 5X, up to $50K per
year in spend
·
Chase
Ink Plus: 5X, up to $50K per
year in spend
·
Chase
Ink Classic: 5X, up to $25K per
year in spend
·
Chase
Ink Cash: 5X, up to $25K per
year in spend
·
US
Bank Cash+: 5% cash back (bill
pay category).*
·
American
Express Hilton HHonors: 6X
·
American
Express Hilton HHonors Surpass: 6X
·
CitiBusinessAAdvantage
World Mastercard: 2X
·
Lowe’s
Business Rewards: 3X
·
US
Bank FlexPerks Travel Rewards: 2X
Books (Including Amazon and Barnes & Noble)
·
Citi
Forward: 5X
·
SallieMae
World MasterCard: 5%,
up to $750 per month in spend
·
Chase
Amazon.com Rewards: 3X (Amazon.com
only)
Rotating Categories
·
Chase
Freedom: 5X, up to $1500 per
quarter in spend
·
Discover: 5%, up to $1500 per quarter in spend
·
Citi
Dividend Platinum Select: 5%,
up to $300 cash back per year
·
USING THE CARD
Buy the right products
Go to the appropriate store and purchase the appropriate products that earn you
the highest amount of miles/points per dollar.
Example:
WHAT TO PURCHASE
There are two ways of earning. One is very simple and the other is much
more involved.
SIMPLY METHOD
Buy prepaid cards, gift cards and visa or mastercard gift cards at a location
that earns you the highest miles/points per dollar by category. Use the
cards you purchase for your normal purchases elsewhere. Pay bills, gas, groceries, etc.
INVOLVED METHOD
First you need to
purchase a product (see good options below) that will allow you to funnel funds
through it for the lowest minimum fees. Once you’ve purchased your financial
product then you will then load funds and funnel them through back into your
bank account.
TOP TOOLS
Prepaid Cards
American Express Bluebird
American Express Target Prepaid Card
American Express Serve Card
Netspend
PayPower Visa Prepaid Card
Wells Fargo Prepaid Card
Readydebit Platinum Visa Prepaid Card
Now you will use your top earning rewards card
at the appropriate store that earns the highest bonus miles/points to purchase
cards/funds to load onto your financial tool.
Once your Bluebird card is loaded with funds,
pay your bills, transfer money to your bank account, send a check to a friend
or spouse, or withdraw funds via ATM. The simply option here is just to
pay your credit card bill that you just charged to purchase the Vanilla Reload
cards. This is simple and fast!
With this particular product you can load $1,000 per day (24 hour period) and $5,000
per month.. So with this tool, you can earn a maximum of 25,000 miles/points per month.
Remember you want more than one tool if you plan to really earn thousands of
miles/points. This is a great product but there are others to be
maximized too.
You will receive your temporary card in the
store. Wait until you get your permanent card in the mail before loading
as ATM access is not available with the temporary card.
Once you have your permanent card, go into any Target store and load it
up. Simply hand your American Express Target Prepaid to the teller and
tell them you want to load it up. They
will need to slide the card through their register. It will then ask them how much you want to
load. You can load $1,000 per day maximum
. You then pay with the prepaid cards or
visa gift cards that you have previously purchased at appropriate stores with
your high earning rewards cards.
Now that your American Express Target Prepaid
card is loaded you can easily withdraw $400 per day from any ATM. Costco ATM is a very good option as the fee
is only $1.25. American Express will
charge you $3.00 per ATM withdraw. So you
totally fee with a Costco ATM would be $4.25 per $400. You may find a credit union that doesn’t
charge any fee. You of course can just
use the American Express Target Prepaid card anywhere AMEX is accepted to pay
bills, gas, groceries, etc.
OTHER OPTIONS:
Purchase “DEBIT” prepaid cards (wherever you can find them) and take to your
bank. Then ask for a cash advance on the prepaid debit card. This
will only work for Visa &Mastercard DEBIT Prepaid cards. The banks machines do not work for AMEX. This is considered a cash advance on the
debit card. There may be fees associated
with this depending upon the debit prepaid card. The key for this to work is that it be a true
debit card and not a visa gift card.
You can then take the funds and deposit them back into your bank account and
pay your credit card charges.