Two steps on travel rewards, completed, working on 3rd!

OK, if you remember back in December I did my first semi-official travel hack (kinda).

Well, following the guys on ChooseFI and other folks in the community, I’ve been furiously working on additional travel hacks. I’ve applied for and received two of the Chase Credit cards,  the Southwest Rapid Rewards Premier card (40K miles when you charge $1,000 dollars in the first 3 months) and the Southwest Rapid Rewards Premier Business card (60K miles when you charge $3,000 dollars in first 3 months).

Well, got the cards in early and mid-December 2017, and I’ve managed to put on over $6,000 in 2 months, just paying regular bills and taking one business trip. So as of today, I hit my goal for the 2nd card and got credit. I now have 106,360 miles in my Southwest account for miles (good for around 3-4 cross-country trips), without doing more than just regular spending (and paying off the credit cards) plus the $198 (2 x $99) for the credit cards. $198 for 4 round-trip coast –to-coast ticket. Two major hacks done!

Now on to the next “hack” – when you reach 110,000 miles/points in a calendar year, you get the infamous Southwest Airlines Companion Pass (someone can travel with you for free). I have a business trip next week and a personal vacation week in March, so I should be able to hop those pretty quick. I’ve already told Mrs. 39 Months that we need to plan on travel sometime in 2018 and use this option.

After that, its time to get the Chase Sapphire rewards card (50,000 points if you spend $4K in 3 months) and I’ll really be up there! I already have a bunch of American Airlines and hotel points due to business travel. I actually am enjoying this a bit. I’ll let you know how I’m doing as we go forward.


Mr. 39 Months

Yay! I just did my first travel hack (sort of)…..

Well, I’ve been doing the research, reading the blogs, and listening to the podcasts on it. Figured it was time to start using some of that knowledge to help out.

I’ve spoken in the past to my students and the engineers under me about the need to join rewards programs for the travel they do for business (airline, rental car, hotel, etc.). Even if they go to a “one off” hotel (regularly go to a Hilton, but stay this time at a holiday inn) sign up for the program. The points add up, and you can use them for your own personal travel (most of the time – some companies keep them for their own use).

I also suggest to the students that they write “Willing to travel” on the bottom of their resumes. Businesses know that travel sucks, and often they are willing to pay folks extra for their willingness to travel.

Well, I’ve accumulated some significant mileage in the air, which I have used in the past on personal trips (Hawaii, Alaska, etc.) but I never really looked at the hotels. To my surprise, I found I had a significant number of points in both Hilton and Mariott from travel. I figured it was time to try this out.

Mrs. 39 Months wants to attend a Dulcimer Festival in the Poconos the 2nd weekend in January. So I went on both Hilton and Mariott’s sites, and found a nice one-night stay within less than an hour of the site, for only 20,000 points (the lowest point total you can have for Hilton rooms on the weekends). Score!

I know that I’m going to be visiting North Carolina in March to take a woodworking class, so I went to look for rooms there. It turns out its pretty dead at that time in NC, in that area, so I got a five night stay for only 40,000 points (10,000 pts a night, with 5th night free!). Score again!

Finally, I did my first credit card as part of the hack (see info on travel hacking in the links to the right). I applied for the Southwest Rapid Rewards Premier card. If I can charge $1,000 dollars in the first 3 months, I can get 40,000 Southwest points. I’ll try and get the Southwest Rapid Rewards Premier Business card next, in order to get 60,000 Southwest points if I charge $2,000 on it. Thus, I’ll be 103,000 points in towards the 110,000 necessary to get the infamous Southwest Airlines Companion Pass. I just have to charge the remaining $7,000 by the end of 3 months.

I actually am enjoying this a bit. I’ll let you know how I’m doing as we go forward.


Mr. 39 Months

Travel Hack Plan

Well, after going through a large number of podcasts and bloggers comments and articles, I’ve chosen to enter the world of travel hacking, like so many others in the FIRE community.

I’ve already provided a link to the travel 101 blog, which I think is one of the best. Other ones to look at if you are interested in travel and seeing the world are Go Curry Cracker or RetireEarlyLifestyle (both with links to right). There also prominently featured on many of the FI podcasts that I listen to. In the end, after realizing how easy it was and the opportunities it provides, I couldn’t resist.


Travel 101 has an excellent course on travel hacking, and its free! For those interested, I suggest you consider taking it.

I first took a look at where I was, based on an American Airlines card and business travel. I also had some hotel stays, again based on business travel.

  • American Airlines: 234,436 miles (not bad). Good for a lot of trips, especially international
  • Marriott Hotels: 37,563 points  (good for about 3 nights, depending on where)
  • Hilton:237,817 points (good for about 8 nights, depending on where)

Not a bad start.

In looking at how to get started, I reviewed the cards that Travel 101 suggested and what I already had. One of the issues is that Chase bank has a “5/24” rule, which says you can only get 5 new credit cards within the last 24 months – and that is any credit cards, not just Chase. If you apply for one of theirs after you have gotten 5 others, they will turn you down.

Early in the year, as I started exploring FIRE and looked at Credit card benefits, I got a Citi card with 2% cash back, and an Amazon card for 3% back (because I did so much shopping on Amazon). Thus, I am limited to only applying for 3 other cards. Based on the information provided by the travel hackers, I am going to proceed as follows:

  1. Southwest Airlines Rapid Rewards Premier card: Apply in Dec, put $1,000 in 3 months on it and get 40,000 miles
  2. Southwest Airlines Rapid Rewards Premier Business: Apply in Dec, put $2,000 in 3 months on it and get 60,000 points, for a total of 103,000 miles
  3. Do additional charges on Southwest Cards to reach the 110,000 mile mark and get the travel pass (hopefully as soon as possible).This would enable Mrs. 39 Months to fly with me for free on Southwest.
  4. Get a Chase Sapphire Preferred Card (the mother of all travel cards): Apply in February, after I have done a lot of my Southwest Charges. Charge $4,000 in 3 months and get 50,000 points.

With that done, by the middle of 2018, I should be sitting on a lot of miles, hotels and points. Then its trying to figure out where to go?

Plans for 2018:

  • Visit Portland Oregon (Mrs. 39 Months wants to take a class there, and then we can visit some national parks)
  • Visit Asheville, NC (I want to take some woodworking courses there)
  • Visit Vermont, where my brother lives
  • Other trips?

I’ll let folks know how this is going as I try to work stuff out.

What travel hacks have you done/are planning to do?


Mr. 39 Months