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cover of episode The Points Guy's Travel Hacking Tips to Fly for FREE in 2025

The Points Guy's Travel Hacking Tips to Fly for FREE in 2025

2025/2/11
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BiggerPockets Money Podcast

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Brian Kelly: 我是积分专家,我建议大家玩积分游戏,即使你不想旅行,因为积分系统非常有利可图。囤积积分是财务上的失误,因为积分会随着时间的推移而贬值,应该及时使用。现在有很多付费工具可以帮助你更好地使用积分,例如Point.me和Seats.Aero,它们可以帮你找到最佳的积分兑换方式和航班。将积分转移到航空公司可以获得更高的价值,而不是直接兑换成礼品卡或现金。积分是一种金融工具,可以用来免费旅行,而且不用缴税。 信用卡积分主要分为三种类型:现金返还、联名卡积分和可转让积分。可转让积分信用卡是最有价值的,因为它可以转让到多个航空公司和酒店,增加了积分的实用性。航空公司联名卡积分不可转让,限制了积分的用途,而银行积分则更加灵活。获得高额的信用卡积分奖励和日常消费的类别奖励是积累积分的关键。Bilt信用卡是租房者的理想选择,因为它可以为租金支付提供积分奖励,并且没有年费。Bilt积分非常有价值,可以转让到多个航空公司和酒店。Chase Sapphire Reserve卡的积分价值很高,可以兑换成高价值的旅行奖励。Chase积分比Amex积分更有价值,因为它的基础兑换率更高,并且可以转让到更多合作伙伴。可以先将Chase Sapphire Preferred卡降级到Chase Freedom Unlimited卡,然后再申请Chase Sapphire Reserve卡,以获得更高的积分奖励。 评估信用卡年费需要考虑积分奖励、积分兑换价值和额外福利三个方面。我目前使用Capital One Venture X、Bilt和Amex Gold信用卡,并根据不同的消费类别选择不同的信用卡。建议根据个人旅行习惯选择合适的信用卡,例如经常乘坐特定航空公司航班的人可以选择该航空公司的联名卡。建议不要盲目忠于某家航空公司或酒店,而应该选择能获得更多积分和更灵活的积分兑换方式的信用卡。现在航空公司精英会员的福利不如以前,需要重新评估精英会员身份的价值。建议积累足够的积分来直接预订头等舱或商务舱,而不是依赖于航空公司的精英会员升级。建议根据个人消费习惯选择信用卡,并逐步增加信用卡数量。对于低消费人群,建议选择年费低廉且积分奖励丰厚的信用卡,例如Bilt信用卡。建议同时申请Amex Gold、Chase Sapphire Reserve和Capital One Venture X三张信用卡,以获得最大的积分奖励。积分在遗产规划中也应该被考虑,因为积分具有价值。可以通过搜索引擎或The Points Guy网站查找不同信用卡的积分奖励信息。我的新书《How to Win at Travel》涵盖了旅行预算、积分积累、积分兑换和旅行技巧等方面的内容。 Mindy Jensen: 我从Brian Kelly的讲解中学到了很多关于信用卡积分和旅行奖励的知识,这将帮助我更好地规划未来的旅行。 Scott Trench: 我也从Brian Kelly的讲解中学到了很多,特别是关于如何评估信用卡年费和如何选择最适合自己的信用卡。

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Travel hacking allows you to fly and travel for free), often in luxury, without spending tens of thousands of dollars on flights or hotels. So, how do you do it without managing thirty different credit cards in your wallet? Brian Kelly, AKA The Points Guy, world-renowned travel hacking expert and author of the new book How to Win at Travel), is here to show you as we rapid-fire our** top credit card rewards questions** at him.

In this show, you’ll learn how to fly to Europe, Asia, and beyond for FREE, even in business class, all by spending the same amount of money you typically would every month. These cards can turn your weekly grocery run into free flights, hotel stays, cashback, and more, plus give you huge perks like airport lounge access, travel protection, and even a credit to spend on your next trip. Love free money? This is how you get it.

Plus, we’re asking The Points Guy what cards he has in HIS wallet, what he spends on which card, and why he does NOT recommend staying loyal to a specific airline, even if you travel often. These tips alone** could save you thousands) of dollars this year **while turning your economy seat into a lie-flat first-class experience. Don’t let your money go to waste; start travel hacking!

In This Episode We Cover

How to travel for free by spending money on groceries), eating out, and business expenses

The **Points Guy’s three favorite credit cards **that everyone should keep in their wallet

Why you (probably) shouldn’t stay loyal to a specific airline, even if you have their credit card

Why **Chase points **can get you even MORE free travel than **American Express **points

Evaluating **annual credit card fees **and whether a $300+/year credit card is worth it

Best credit cards)** for renters** and those who live a frugal lifestyle) (but still want to travel!)

And **So **Much More!

Links from the Show

Mindy on BiggerPockets)

Scott on BiggerPockets)

Listen to All Your Favorite BiggerPockets Podcasts in One Place)

Join BiggerPockets for FREE)

Email Mindy: [email protected]

Email Scott: [email protected]

BiggerPockets Money Facebook Group)

Follow BiggerPockets Money on Instagram)

“Like” BiggerPockets Money on Facebook)

Point.me)

Seats.aero)

Get Early Access to Real Estate’s Biggest Event of the Year, BPCON2025)

Learn to Save and Spend the Right Way with “Set for Life”)

Find an Investor-Friendly Agent in Your Area)

How to Earn Free Vacations With Travel Rewards Credit Cards)

(00:00) Intro

(01:39) Travel for FREE!

(06:06) Best Credit Cards for Beginners

(13:48) Annual Fees

(17:56) Brian’s Favorite Credit Cards

(20:51) Airline and Hotel Partner Cards

(27:49) Keeping Track of Cards

(29:34) Best First Card?

(31:21) Cards for Low-Spenders

(34:03) Inheriting Points?

(36:52) WIN at Travel!

(39:01) Get Your Points!

Check out more resources from this show on BiggerPockets.com) and https://www.biggerpockets.com/blog/money-606)

*Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email *[email protected])

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