Credit card companies are making it harder to earn those huge signup bonuses you crave. But don't fret! Here are 6 ways to earn points without a new card!

6 Ways to Earn Points without Getting a New Credit Card

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Over the last few years, we’ve made more than 30 trips throughout the U.S. and around the world. We wouldn’t have been able to do it without credit card rewards. We’re talking about places like London, Rome, Paris, Venice, Cancun, Jamaica, Las Vegas, San Diego, St. Maarten, and more – all for pennies on the dollar.

Yes, traveling on points and miles is the backbone of our frugal travel strategy. For us, the easiest way to earn points has always been snagging a huge signup bonus. We’ve rarely seen a signup bonus we didn’t like! I mean, some of these offers are redeemable for up to $500 in gift cards or $625 in travel through credit card portals. That’s some serious cheese, yo!

Unfortunately, credit card companies are tightening up their bonus offers. As more people join the hobby, issuers are making it harder to grab those bonus points we crave.

But, hope is not lost! There are still plenty of ways to earn points and miles. While some of them seem obvious, others are relatively unknown. That’s why we’ve listed some of our favorite ways to earn points (without getting a new credit card) below. Enjoy!

[Editor’s Note: Some of the following offers are no longer available.]

6 Ways to Earn Points without a Signup Bonus

Spending on Your Card

You don’t have to get a new card every time you want to earn points or cashback. Nope. Remember those cards you already have? Chances are, you can earn a good amount of points just by using them.

The top cashback and travel rewards credit cards always offer points when you spend on the card. Just by using your card to make a purchase, you’re getting ahead. In addition to using them for your regular spending, some cards offer bonus categories that increase your point haul further.

Let’s take our favorite card for beginners – the Chase Sapphire Preferred® Card – as an example. With this card, you earn 5x points on travel purchased through the Chase Ultimate Rewards portal. If you travel a lot, this could add up quickly. Read our full Chase Sapphire Preferred Card review here.

Co-branded cards take it a step further by offering extra points for spending with that particular brand. [Editor’s note: This following offer is no longer available.] For instance, with the Marriott Rewards Premier Credit Card you currently earn five points per dollar spent with the card at Marriott properties. You also get a free night at any Marriott hotel, categories 1-5, anywhere in the world… but who’s counting?

Paying for Flights and Stays

Yep. You can still earn points and miles the old fashioned way. Sign up for airline or hotel’s loyalty program, pay for their services, and – voila – you’ll earn points!

Joining loyalty programs just makes sense, and it’s usually extremely easy to do. Just fill out a form and you’re done. Programs like the IHG® Rewards program allow you to earn points each time you stay. You can then redeem those points for free stays, travel, select merchandise, and more. You can even redeem your points with cash to stretch them farther. (See how we did that in Jamaica, here.)

Being a member with certain loyalty programs also means upgraded rooms, discounts on checked baggage, priority seating, and more. There are generally no fees to join, so signing up for these programs is a no-brainer, especially if you use a particular brand often.

Use Shopping Portals

Many credit card companies now offer shopping portals., and most of them are freakin’ fabulous! We use them all the time to book excursions and other travel experiences. In many cases, we can even use points to purchase cool side trips at a big discount.

Of course, using points and getting discounts isn’t the only thing these portals are good for. If you pay for goods or services through shopping portals, you can actually earn points for doing it. Simply login to your favorite shopping portal (ours are Chase and American Express) and shop away. Purchase something you like and you’ll usually earn points on your spending.

Take Surveys

When you belong to a loyalty program, particularly with hotels, you’re bound to be sent a survey after your stay. Though you may be tempted to send it straight to your trash, you should take a second look. By spending a few minutes of your time, you could be eligible to earn a boatload of bonus points.

About a year ago, I decided to grit my teeth and take one of these surveys. We’d just completed a stay at an IHG hotel, and my experience there was very good. So, I wanted to give a positive review, never thinking I’d be a lucky winner of a points drawing.

Well, I was. My account was loaded with an extra 25,000 points – and I was stoked! Later in the year, Holly and I took part in a mail-in rebate promotion where we both earn tens of thousands more points. These things are real, and – sometimes – they work in your favor!

Dining Clubs

Many credit cards and loyalty programs have partnered with The Rewards Network, a dining club which offers additional points for eating out. All you have to do is connect a card you already own, like a Southwest Visa credit card, and use it at participating restaurants. Then, you’ll earn a signup bonus (plus additional points for spending) once you reach the required minimums.

Although the rewards vary by program, our favorite is Southwest Rapid Rewards® Dining. You earn bonus points just for spending $25 at participating restaurants in the first 30 days. You earn an additional 3 points per dollar spent plus 10 points per restaurant review you complete. Once you’ve earn 1,500 points, you’ll get another 500 point bonus. From there on out, you’ll be awarded with 300 more bonus points for every 1,000 points you earn through spending and reviews! The points can pile up quickly and will be added to your Southwest Rapid Rewards® balance.

Adding Authorized Users to Your Cards

Another way to earn additional points is adding authorized users to your card. Some card issuers allow you to earn points on everything your authorized users spend, plus they may even give you a bonus for signing them up.

Though you earn points on your authorized user’s spending, you do need to be careful about who you allow on your account. Technically, you’re responsible for their balance, so be sure it’s somebody you can trust.

Wrapping Up

Even with new restrictions like the Chase 5/24 rule making it harder to earn points, traveling on points and miles is still possible. There are plenty of options for boosting those point balances and enjoying the experiences of your dreams. Take the time to try these programs and let us know what you think!

If you need help with your travel rewards strategy, please contact me here via my FREE travel advice page!

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  1. We just booked Vegas RT for 11,000 points each…which is a crazy good deal out of Chicago. $88/one-way tickets never happen, so we were very excited to find them. We’re in the middle of trying to travel hack through our Chase card, so for this trip, we used points we’d accumulated from past travels. This list is a great reminder that you don’t always have to travel hack with new CCs to save big on travel!

  2. I always knew credit cards gave away lots of travel points but had no idea you could frequently go on trips if you played your ‘cards’ right. I suppose it was only a matter of time before credit card companies realized that huge sign up bonuses weren’t profitable for them and so they tightened the net a bit, but I agree, if consumers are smart enough, they can continue to benefit from a variety of alternative sources, even though some ways are more effective than others. I haven’t had much experience in this field, but I’m guessing online surveys don’t offer a lot of reward points in return compared to dining clubs or loyalty programs.

  3. I didn’t know there were still dining networks. It’s good to know that you don’t have to get a new credit card to end up with points! I’ve been thinking about trying the Southwest Chase card since I fly SW so much. =)

  4. The dining programs are pretty sweet tricks to top off amounts you may need for an upcoming flight. You can add a thousand (or sometimes 3,000 or more) with just a few meals out, and there’s usually some pretty good choices locally, too.

    Good stuff, Greg! Enjoyed your show on Stacking Benjamins the other day, too.

  5. The dining rewards are some of my favorite. I love when I get an email saying that I just earned cash back at XXX and I had no idea the place was on the list! It’s a nice little bonus

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