Couple traveling

10 Travel Hacking Secrets Your Boss Hopes You Don’t Know

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Psst….(whisper) There’s something your boss doesn’t want you to know! Actually, there are 10 things your boss hopes you don’t know!

They’re about travel hacking, you know, the art of collecting miles and points for award travel.

Did you know the majority of Americans don’t take a single vacation day and a big reason why is because they can’t afford to go on vacation?

Were you one of them? Well, you can change this! 

It’s always a great time to plan a trip, especially when you use miles and points (a.k.a. travel hack) to travel for less. 

Why do I travel hack? It lets me travel to places around the world I never thought were possible on my teacher’s salary.

I’m going to share all my secrets so you CAN travel without wondering how to afford it.

Ok, make yourself look busy so your boss doesn’t suspect anything. Then, listen closely because I’ve got 10 travel hacking secrets your boss hopes you don’t know.

They’re your keys to using those vacation days and taking that dream vacation you’ve been imagining. Ready?

1. Airline and Hotel Loyalty Programs are FREE to join.

Computer desk
You have to start with loyalty programs! Where are those miles and points going to be deposited?

In order to earn miles and points and eventually use them, you need to get started with loyalty programs. Join a few major programs to get started like United, American, Delta and Southwest Airlines, and Hilton and Hyatt hotels.

Ask yourself questions like,

  • Where do I want to fly?
  • Is my home airport a hub for a particular airline?
  • What types of hotels do I like to stay in?

The answers to these travel goal questions can help you as you think about which loyalty programs to start with.

Pro Tip: Remember to keep your username, passwords, and loyalty member number organized. A basic spreadsheet can help you keep track of your information so you know how to log in to your account later on.

2. There are a ton of great credit card offers for beginners.

Chase Credit Card Array
Start slowly and comfortably. Only apply for 1-2 cards when you begin.

Banks offer many different credit cards. But, which travel rewards credit cards should you look at?

Regardless of your travel goals, beginners should look at these 5 cards first.

Each bank has its own application rules for credit cards and you need to know about them before you apply for any.

Feeling nervous about the whole credit card thing? I was, too.

But, it was because I believed a lot of myths about credit cards. You’ve heard they’re bad and will kill your credit, right?

The truth is as long as you’re a responsible person who doesn’t overspend and pays off their bills at the end of each month, you can use travel rewards cards to your advantage.

3. Minimum spend requirements are a lot easier to meet than they look!

Paying Bills
Use your credit card to pay bills and get a return on the money you pay each month!

You’ve got your eye on a travel rewards credit card to begin earning miles and points. You stop in your tracks when you see the $4k (Each card is different so check.) minimum spend requirement over 3 months.

Your boss is hoping you give up, discouraged and dejected. After all, there’s no sense in applying for a credit card and missing out on the welcome bonus because you didn’t meet the minimum spend.

Relax! It’s easier than it looks. Think about your monthly expenses.

What expenses could you pay with a credit card that would normally be paid from your bank account? Things like mortgage and rent are difficult to pay with a credit card, but cable, cell phone, and insurance bills can be paid easily with a credit card.

What about other expenses like doctor co-pays, Netflix, a vet bill, groceries, or a gym membership? All of them can be paid for with a credit card.

Maximize your miles and points earnings by organizing your budget first.

Are you planning to buy something expensive like a laptop or a new TV? Need a gift for upcoming birthdays?

Use your credit card. In fact, put your debit card away altogether! Just be sure to pay your credit card bill in total at the end of the month the same as if it had come directly from your bank account.

4. Earn miles and points buying your morning coffee.

Coffee in a cafe
Small things add up! When you’re 500 miles short of an award seat or stay, you’ll be wishing you used your credit card for all those little things you buy each day. 

Once you have points-earning credit cards like the Chase Sapphire Preferred and Chase Freedom, use them to buy your morning coffee. In fact, use them for all your everyday spending.

Don’t use cash or your debit card for everyday purchases unless it’s absolutely necessary.

Now, your boss hopes you’ll misinterpret this and spend beyond your means so you’ll have to work even more to pay your bills. Don’t get yourself trapped!

Use your credit cards for all the purchases you’d normally make, like your morning coffee, and nothing more. Spend smarter, not more.

5. Earn miles and points on your way to work.

close up of a gas station
Gas, tolls, and public transportation can earn you miles and points! 

Every day you travel to work, you can earn miles and points to help you eventually travel away from work! Your boss definitely doesn’t want you to know this!

The Citi ThankYou Premier earns 3x the points for every dollar spent on gas!

Chase Freedom typically offers a quarter of 5x the points on gas station purchases.

The Chase Sapphire Preferred/Reserve gives 2x/3x the points on travel, which includes train or bus tickets, subway passes, even automatic toll responders!

Maximize these bonus categories and you’ll be commuting to a Caribbean beach, zip-lining in Costa Rica, or sightseeing in a European city faster than you know!

6. Earn miles and points on your lunch break.

Eating at a restaurant
Whether it’s a quick bite, a business lunch, or Friday night pizza, you can earn miles and points for eating out!

It seems this is one of the best travel hacking surprises for beginners, except maybe for my next point.

When I tell a beginner about airline and hotel dining programs, it seems too easy and they almost don’t believe me!

Use your airline or hotel loyalty number to sign up for that airline or hotel’s dining program. It’s free!

You’ll earn miles and points every time you dine at a participating restaurant. Sometimes you even get bonus miles or points just for signing up. Imagine how many miles and points you could earn for lunch or any other meal.

Use a travel rewards credit card with a dining bonus category and earn even more!

Pro Tip! If your boss finds out you know about dining programs, get take-out or delivery from a participating restaurant. The same points-earning applies to delivery when you order directly from the restaurant.

7. Earn miles and points buying work clothes.

girl makes a purchase on the Internet on the computer with credit card
Shopping portals are easy to use and can be quite lucrative for everything from new sneakers to bars of soap!

Or buying anything else you need for work or otherwise! Have you heard of shopping portals? Similar to dining programs, many airlines, hotels, and even banks have shopping portals for their loyalty members or cardholders.

Using your member number or credit card account, log in to the shopping portal.

Here you’ll find thousands of the same merchants where you likely already shop. Macy’s, Petco, Nike, Best Buy, Walmart to name a few. Each merchant has an earn rate.

For example, Petco might earn you 3x the points in the United Airlines shopping portal. (Earn rates change regularly.) Click on the merchant and you’ll be redirected to the merchant’s website just as if you’d typed in that web address directly.

What could be better than saving time and buying the things you need using shopping portals to earn miles and points right under your boss’s nose?!

8. Gift cards aren’t only for gifts!

Look at your local gift card kiosk in a whole new way! 

It’s a no-brainer to use your credit cards for purchases that fall into their bonus categories. Chase Sapphire Preferred/Reserve offers 2x/3x the points on dining so you always use it for dining.

But, how about when you need to buy a gift for someone (or yourself)? Grocery and office supply stores have kiosks that sell gift cards. Use credit cards with these bonus categories to buy the gift cards you need for your gift purchases.

For example, let’s say your husband wants a new electric drill for his birthday. On your regular grocery shopping trip, pick up a Home Depot card to slip in his birthday card.

Later on, when he’s ready to purchase that drill you can show him how to do it with your shopping portal savvy learned above!

9. Airline alliances are your friend.

Star Alliance Airpane
Meet your new friends, Star Alliance, OneWorld, and SkyTeam. 

It’s no secret your boss wants those vacation days to go unused. But, they won’t if you recognize the power of friends and friends of friends.

In travel speak, this is known as an airline alliance. If United Airlines doesn’t fly to where you want to go, you can bet one of their Star Alliance partners does.

Knowing these airline alliance tricks is a major key to travel hacking success.

10. Transferable points-earning credit cards are better than Cash Back Rewards.

chase sapphire preferred
Transferring points to partners will always give a better value than taking the cashback option for travel rewards like flights and hotels.

Here’s where your boss has enlisted the help of A-list celebrities on popular commercials to convince you that your airline miles will be useless. They say there will be no award seats when you try to book a flight! 

They try to convince you to get a cashback rewards card because you can use the points for any travel expense.

What they don’t tell you is that you’ll often need WAY more cashback rewards points to book that flight than you would if you transferred miles from a flexible points-earning card like the Chase Sapphire Preferred, Citi ThankYou Premier, or American Express Gold.

Just look at this quick example.

I did a quick Google Flights search from New York to Paris. Prices range from $750-$1,000. Let’s say you choose a flight for $850. You’d need 85k cashback points to redeem for that $850 flight. But, you’d only need about 60k-70k United or American Airlines miles to fly the same flight. Plus, United even allows a second European excursion for no extra points.

How do you end up with 60k United or American Airlines miles?

Use a transferrable points card like the Chase Sapphire Preferred/Reserve or a Marriott Bonvoy card to access these airline partners.

Now that you know these 10 travel hacking secrets, share them with your friends and family.

Quietly go about earning award travel for your vacation and smile to yourself as you submit your request for time off. Won’t your boss be surprised!

What did I miss? Have any secrets to add? Which secret will be the most helpful for you?

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10 Travel Hacking Secrets Your Boss Hopes You Don't Know

22 thoughts on “10 Travel Hacking Secrets Your Boss Hopes You Don’t Know”

  1. I’m a big fan of travel hacking, but haven’t yet reached pro status. Keeping track of the big bonuses (like the 5x on gift cards) is still a little beyond me. But thanks for your clear explanation about the mileage transfer tip – I didn’t realize how those transfers apply differently to different cards. Now i know why so many travel hackers love the Chase Sapphire card. Cheers!

    1. Jackie Sills-Dellegrazie

      I’m so glad the mileage transfer tip was helpful, Julie! You’ll always get more for your miles and points by transferring them rather than taking the fixed value of a cashback card. Chase Sapphire is my favorite long term card for this reason!

    1. Jackie Sills-Dellegrazie

      Thanks, Bernard. 🙂 You’re so lucky to have a boss that encourages leaves and holiday time! Happy travels!

  2. great hacks! I love #8 because my daughter buys gift cards at Kroger for literally everything so she can save big bucks on gas. Sometimes she can fill up her huge Yukon for under $50. 😉

  3. Jackie, I have finally reached the point that I use my 2X credit card for virtually every purchase, including medical procedures and exterminators. So far, I have been able to pay off my card every month, and my point growth has been exponential. It may take some time, but hopefully I can put some of your hacks to work before to long.

    1. Jackie Sills-Dellegrazie

      That’s great, Howard! It’s a lot easier than many people think to earn points quickly considering how much money we spend each day on everyday expenses. 🙂

    1. Jackie Sills-Dellegrazie

      Thanks, Tonya! Glad you enjoyed the article. I hope the tips are useful for you!

    1. Jackie Sills-Dellegrazie

      Awesome, Vicky! Where are you heading? Be sure to check out the Chase Shopping Portal in your Ultimate Rewards account, join an airline dining program, and check out my post about transferring Chase UR Points!

    1. Jackie Sills-Dellegrazie

      Thanks, Trisha! Glad the list will be helpful for you. It’s really possible to use the miles and points you earn to save a ton of money on your travel. 🙂

  4. I really don’t get the title…. why does your boss care what you do with your personal credit card? Also, these tips are basically all “pay for things with a credit card and get miles.” Not really a hack.

    1. Jackie Sills-Dellegrazie

      Hi Lucy, thanks for your comment. Just trying to use the fact that such a high percentage of people don’t take a vacation day from work. The ideas here are all travel hacking beginner fundamentals. When you use your credit card through a dining program and shopping portal, you are earning bonus miles and points above and beyond what you would have normally earned. This is travel hacking 101.

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