So you understand the basic concept of how to use credit cards for free travel now the big question is:

“Is this something I can do?”

The answer: YES!

Just like anything else in the world there are different levels in which you can partake in “travel hacking”.

Here are the 5 things that you have to ask yourself before diving in:

1. Do I Want To Travel?

This one is pretty simple. The Picture Perfect Points blog was designed to show you how to travel the world for (almost) free but if that’s not something you’re interested in then we’re pretty much done here.

2. Am I Stupid?

It sounds harsh but the first and most important requirement to travel hacking is that you fully understand how credit cards work and can act with restraint and financial responsibility when using them. Conventional wisdom tells us that having a lot of credit cards is bad, that’s because conventionally the only people that did have multiple credit cards were people that mishandled their finances and got stuck in a pit of debt. You must understand that the whole concept is based around earning points off of money that you are already spending. If you start spending more money just to earn the points you don’t really understand how this hobby works.

3. How is my credit?

If you already have a history of bad credit, this activity probably isn’t for you. I would suggest that you have a minimum credit score of 600, however 700+ would be ideal. Before you start you need to check your credit report to ensure that all of your accounts are in good standing. There are 3 credit bureaus in the US and you can get a free credit report from each of them once a year.

4. What is my monthly expenditure?

Maximizing your points earning potential is revolved around signing up for new credit cards to take advantage of their one time sign-up bonus. However, many of these sign-up bonuses come with a spending requirement. If the spending requirement is more than what you’d normally spend in the required time frame that card is not the right choice for you.

 What Are Points 

 How to Earn Points 

 What About The Annual Fees 

Credit Score FAQ