At any given time, my husband and I have anywhere between 20 and 40 credit cards and upwards of $200,000 in available credit. Call me crazy if you want to. Call me obsessed, preoccupied, or insane. I’ll wear that shit like a badge of honor. In fact, I’m not the least bit ashamed.
Why I Love Credit Card Rewards
The truth is, credit card rewards happen to be my hobby. In a lot of ways, I’m similar to someone who watches sports incessantly, the only difference being that credit card rewards actually have a point. Yeah, I went there. Unlike rooting for your favorite team every Thursday, Saturday, Sunday, and Monday night with a jersey on and hot wing sauce dripping down your chin, an obsession with credit card rewards can be lucrative, and even life-changing. Want to know why I love credit card rewards so much? Here’s why:
Earn Free Stuff
The first rewards card I ever signed up for was a Chase Freedom card. I could hardly believe that they wanted to offer me a $100 statement credit simply for spending $500 within three months. From that point on, I was hooked. Various rewards programs offer all kinds of free stuff simply for abiding by their rules, including things like cash back, merchandise, and gift cards. The possibilities are endless!
Stretch Your Travel Budget
If you enjoy travel like I do, credit card rewards are a must. Over the past few years, I’ve earned free flights to places like Jamaica, Las Vegas, and even Europe, and free hotel stays in the U.S. and abroad. I even booked a $6,200 European getaway for a total of $197 with the help of credit card rewards. This is how it works: With a card like the Barclay Arrival World MasterCard (affiliate link) you can earn up to $460 in travel credit that can be redeemed for flights, hotel stays, and more. All you have to do is spend $3,000 within 90 days of becoming a member in order to qualify.
Other rewards cards like the U.S. Airways Dividend Miles MasterCard (affiliate link) offer 40,000 airline miles and a $99 companion certificate for up to two guests on any U.S. Airways flight after your first purchase with the card. (An $89 annual fee does apply for the U.S. Airways card, but the airline miles alone make it well worth it).
Go Farther Than You’ve Ever Dreamed
One thing I love about travel rewards is that they allow me to dream big. I no longer only fantasize about vacationing in Florida. Instead, I plot and scheme to see places like Venice, The Fjords in Norway, and the Maldives. The best thing is, credit card rewards can (and will) actually take me there. In a way, they have actually helped many of my dreams come true already.
Learn About Other Cultures
One thing I love about travel is the many people you meet along the way. And it’s not only the local people you come across, it’s the people from all over the world that you might encounter while enjoying new experiences, eating dinner, or just relaxing in your favorite vacation spot. I love meeting people from different cultures and backgrounds and I believe that those experiences and relationships have helped me grow as a person. Don’t get me wrong. I’m still a work in progress and slightly immature for someone my age, but I’ve gained a broader world view and am becoming a better person because of it.
Pursuing credit card rewards is just like any other addictive hobby. The only difference is, it can literally take you anywhere in the world you want to go. All it takes is a little planning, know-how, and fortitude to make it happen.
Editor’s Note: There are affiliate links in this post and I do get compensated if you use them. As always, I appreciate your support! XOXO
Do you pursue credit card rewards? If so, why? If not, why not?