Woohoo! Got The Capital One 90,000 Point Bonus

 Update, the 90,000 bonus is no longer being offered, but you can still get a 75,000 bonus using my referral link 

You might think it's strange that I'm celebrating that I spent $4,675 on my credit card! But look at the rewards, 98,563. Yep, I already got the 90,000 point bonus from Capital One Venture X and I haven't even paid the card yet. 

Here's a hack, Capital One gives you the bonus BEFORE you even pay off the credit card. Now we always pay the full balance every month when it is due. 

But here's an interesting hack, you can actually use the bonus to erase the purchases you made to reach the minimum spend. Are you following me?

Let's say that part of that $4,675 was a purchase of two airline flights. As soon as you see the bonus come through, you need to follow the steps to erase the travel purchase. If you can do it before your statement closes, you won't have to pay for the purchase. Instead you are using the bonus to pay for it. Pretty good hack. 

In this case, I will pay the balance and keep adding points so that I can erase my rental car in Tahiti. Woohoo! 

I like the Capital One Venture X credit card because you earn 2x points on all purchases, you get $100 Global Entry credit, you get Priority Pass lounge membership for you and your authorized users which you can add for FREE plus you can transfer the Capital One points to dozens of airlines, and a few hotels and you can use them in the Capital One portal and just use them to erase ANY travel purchase. Annual fee is $395, but you get a $300 travel credit in the portal. 

You can get the 90,000 bonus offer too by using my referral link here. 

Now if this is confusing or scary or you just want some help deciding if this card is right for you and your travel goals, join my travel coaching program! I am launching the second cohort now and offering a Black Friday special of just $99. This is an incredible deal because it includes the video modules, the custom points and miles tracker, a 1:1 meeting with me and our monthly group coaching sessions for life. There are limited spaces available so don't wait! 

How I Booked Overwater Bungalows and Flights In Tahiti for $140

When I asked my children where they wanted to celebrate their graduations,
they decided on Tahiti. I was a bit surprised since my first thought was that’s where you honeymoon. But I was game. And they added, we would love to stay in those over the water bungalows. Makes sense!

So how do you get a family of 5 an almost FREE trip to Tahiti? It takes a lot of planning and time. I wanted to walk you through my process so you can see the strategy in action. 

And I need to mention that if you are looking for help planning your next trip, I just launched the second cohort of my Travel Coaching Program. There are still a few spots open. And right now, I am donating 15% of all the proceeds to the Israel Emergency Fund.

But I'll share my process here so if you want to do it on your own, you can. Because my goal is that everyone can travel for almost FREE and enjoy those priceless experiences.

I start with research:

• Who flies to Tahiti
• Which islands should we visit
• What is there to do there
• Do we need a car
• Where will we stay

And of course, the most important question of all: which over the water bungalows do we want to stay in. 

After doing the research, I decided for this trip: 

• We should fly American Airlines - 70,000-80,000 miles per round trip
• We will visit Tahiti and Moorea - we can take a short ferry between these islands. 
• We will need a car on both islands
• Besides the OWB, seems to be most cost effective for our family of 5 to stay in Airbnb

Now this is the way, we travel, but you might make different choices for your family. Now the fun part, earning all the points. For this trip, we will need approximately: 

• 400,000 American Airlines miles for 5 r/t tickets
• 299,000 Chase Ultimate Reward points for 2 nights in an OWB bungalow and a garden room (we need two rooms for 5 people)
• Capital One points to erase the Airbnb, rental cars and tours

It sounds like a lot, but let’s break it down:

• Barclays American Aviator bonus offer 70,000 miles for $99 annual fee and one purchase - my partner and I each opened one of these
• Chase Ink Business Preferred bonus offer 100,000 Ultimate Rewards for a $95 annual fee and $8,000 minimum spend - my partner and I each opened one of these
• Several friends opened the Chase Ink Business Preferred using my referral link - bonus 40,000 Chase Ultimate Reward points for each one
• American Airlines Online Shopping portal
• Chase Ultimate Rewards Shopping portal
• Capital One points using my partners Capital One Venture X card and my new Capital One Venture X bonus. 

So what did all of this get us:

• 240,000 American Airlines miles netted 3 round trip flights
• 128,000 Chase Ultimate Reward points netted 2 round trip flights
• 299,000 Chase Ultimate Reward points netted 2 nights in the OWB and 2 nights in the garden room
• 74,000 Capital One points netted 3.5 days in the Airbnb

So right now, I estimate the amount I saved using points and miles at approximately $11,000. Pretty good. I have spent $400 on annual fees and $340 on taxes, fees.

Between now and the actual trip, I will continue to earn Capital One points so I can erase the Airbnb, tours and rental cars.

And when I’m relaxing on the beach in Tahiti, I’ll enjoy it just a bit more because I didn’t spend an arm and a leg to have this dream vacation.

If this sounds amazing, but you are confused about where to start and how to get your next trip for almost FREE then join the second cohort in my Travel Coaching program. Sign up by November 1st. 

Don't Wait! Travel Coaching Program is Filling Up Fast!

 

Wish you could travel for FREE? You can. And I want to help you! The second cohort of my Travel Coaching Program will be closing to new sign ups on November 1st. I'm setting the price low since it's only the second cohort so I'm really just covering my time.

This cohort is filling up quickly, in fact, there are only a few spots left.

And the timing of this cohort is perfect IF you are hoping to earn the Southwest Companion Pass for 2024-25. The pass is BOGO on Southwest Airlines for up to two years.  

Here are a couple of testimonials from the first cohort: 

"The examples were super helpful, and the tips about websites to go to were fantastic. I want to plan more trips than I have time for now!"

"You have me great strategies for my specific situation and I really appreciated your recommendations for adult kids!!"

Our Summer 2023 Cohort members have already booked FREE travel to Puerto Rico, Florida Keys, Spain and more. We are changing the way people travel. So what are you waiting for?

Besides the video modules, you get a custom miles and points tracker, audit of your miles, points and credit cards, 1:1 coaching session with me and membership in the group coaching sessions for life. 

Sign up by November 1st  

Just in time, there is a new 75,000 Southwest bonus point offer!

Just in time to earn the Southwest Companion Pass, there is a new bonus offer on Southwest credit cards. Nice. 

The new offer is 75,000 bonus points on the PLUS, PREMIER and PRIORITY credit cards with a $3,000 minimum spend. Pair this with either of the Southwest business credit cards and bam, you have earned the Southwest Companion Pass. 

If the $3,000 minimum spend is too much, the 50,000 Southwest bonus point offer is still available through my referral link. It has a minimum spend of just $1,000. And if you work it correctly, this offer can help you earn the companion pass as well. 

Remember right now is the time to work towards earning the pass for 2024-25. You can follow this article on your own OR join the second cohort of my new travel coaching program. There are limited spots available, but if you can get one, we will walk you through the process step by step plus help you build a personalized plan for FREE travel.

The new bonus offer ends December 12th.  

How You Can Earn $800 Towards Your Next Vacation

 

I get it, sometimes annual fees are scary. Even though this trip to Belfast in Northern Ireland was almost FREE, people like to point out that I do pay several hundred dollars a year in annual fees. 

And a lot of times, the cards that give you the highest bonuses also have big annual fees. Cards like my favorites: 

• the Capital One Venture X offering a bonus right now of 90,000 points with an annual fee of $395 
• the Chase Sapphire Reserve offering a bonus right now of 60,000 points with an annual fee of $550

But right now, you can get $800 cash back on two of my all time NO annual fee credit card favorites.

The Chase Freedom Unlimited and Freedom Flex. Let me tell you the difference between these two and why they are a great go to card to have in your wallet. 

Chase Freedom Unlimited: Earn $200 cash back on a $500 minimum spend. No annual fee. Earn 5x Chase Ultimate Reward points on gas and grocery purchases for the first year up to $12,000. That's another $600. And then you earn 1.5% cash back on all other purchases. 

Chase Freedom Flex: Earn $200 cash back on a $500 minimum spend. No annual fee. Earn 5x Chase Ultimate Reward points on gas and grocery purchases for the first year up to $12,000. That's another $600. And earn 5x points on rotating bonus categories quarterly like Paypal, Amazon and more. 

Besides no annual fee, you can also combine these points onto your Chase Sapphire Preferred or Reserve card for more value. Amazing! 

If you want more support getting started, join the second cohort of my Travel Coaching program! You get my 5 module course (the videos are short, don't worry), a custom tracker, a personal review, 1:1 coaching session with me and then group coaching sessions for life. I'm limiting this cohort to just 10 people, so hurry! 

How You Can Get $900 In FREE Travel Right Now

 

One of the secrets of the points and miles game is buried in referrals. Many credit cards offer refer a friend links that benefit the person making the referral. That person may get anywhere from 10,000-40,000 bonus points. 

Makes sense. 

That person is introducing a new product to their friend, so they get rewarded. 

But right now, Capital One is offering a bonus for the person making the referral AND for the person who was referred. 

The person making the referral will get 20,000 bonus points and the person who was referred will get 15,000 bonus points. 

So if you can use a referral link, your bonus right now for the Capital One Venture X is 90,000 bonus points or approximately $900. Wow! 

If you don't use a referral link, you will only get a 75,000 bonus. 

You can find your Capital One referral link in your account under the "I want to..." section. 

Remember you can also refer your partner! So if you open the card using for example my referral link, then you can refer your partner using your own link which will net you an extra 20,000 bonus points and your partner 15,000 bonus points. Yay! That's a bonus of approximately $350. 

Chase also offers referral links. The best way to find yours is to use the general Chase Refer A Friend website. Enter your last name, zip code and last four digits of your credit card to find your link. Every card offers different referral bonuses. 

 

Want The Southwest Companion Pass for 2024-25? Do This Right Now

 

The Southwest Companion Pass is one of the best perks in travel! It's BOGO travel for up to two years for you and a companion. Did you hear me? BOGO on any Southwest flight anywhere Southwest flies. Costa Rica, yep. Belize, yep. No blackout dates. No blackout flights. All you do is pay the $5.60 for taxes. Amazing! 

I have had the Southwest Companion Pass for the past 6 years and it has saved me thousands of dollars. I have traveled to Cuba, Washington DC, Boston, New York City, Florida and a number of college visits, trips, family events and more and taken my companion with me for FREE.

You can even change your companion three times in a calendar year and your companion can be your spouse, child, sibling, cousin, friend, neighbor or whoever you want.  

It's Time To Earn The Southwest Companion Pass

The way to earn the Southwest Companion Pass is to rack up 135,000 Southwest points in one calendar year. Once you do that, you earn the pass for the remainder of that year PLUS the following year. 

If you time it right, you could have the pass for almost two years. But that's a lot of points! How do you earn so many points? You could fly, but that would be very time consuming and expensive. You could shop through portals and that would help, but again, very expensive. 

The way to max out the two years is by opening Southwest credit cards. If you open a personal credit card and the bonus is 50,000 points and you open a business credit card and the bonus is 80,000 points then your total is 130,000 points plus 6,000 for the minimum spend and bam, you earn a companion pass. Follow me?

You can click here to see how we do this. And we are going to map out the strategy here and I hope you will come along with me on this journey. 

Want The Southwest Companion Pass for 2024-25? Do This Right Now 

Let's look at what you need to do month by month:

October 

• Cancel your personal Southwest credit card* 
• If you have both business Southwest credit cards, you will need to cancel at least one of them. 

*You can only hold one personal Southwest credit card at a time and you have to wait at least 30 days to apply for a new personal Southwest credit card. So in order to plan it right, you will need to cancel your Southwest personal credit card this month. I know it can be tough, but it has to be done. 

Also you want to confirm that it's been at least 24 months since you earned a bonus on a Southwest personal credit card because you can only earn this bonus once every two years. 

You are allowed to hold both business cards at the same time so if you only have one, you are good to go, but if you have both, you need to cancel at least one of them. 

I recommend waiting 30 days before you apply for the Southwest credit card again. 

November 

• Apply for your new personal credit card (you have 3 months to reach the minimum spend, but you can do it faster)
• Apply for your new business credit card (you have 3 months to reach the minimum spend, but you can do it faster)
• You can start using the cards immediately, but DO NOT reach the minimum spend before the statement closes in December or to be extra safe Jan. 1. 
• This is the biggest mistake people make and it could cost you a whole year of the companion pass because you earn the pass for the current year and the following year. If your bonus posts before your December statement closes or Jan. 1st then it counts for this year instead of next year. Ouch! 

December 

• Find out your statement close date on both cards
• DO NOT reach the minimum spend before the statement closes otherwise your points will count towards the current calendar year and not next year
• To be extra safe, hit the minimum spend after Jan. 1st 

January

• The goal is to meet your minimum spend as close to Jan 1st as possible, but AFTER your December statement closes. 
• Once you reach the minimum spend, your bonus points will deposit into your account 
• The deposit will trigger the earning of the Southwest Companion Pass 

And bam, BOGO travel for the next two years! Woohoo! 

Want The Southwest Companion Pass for 2024-25? Do This Right Now 

If you decide to come along with me on this journey or if this post helps you, please consider using my referral links to apply for your Southwest credit cards. Same bonus for you, but I also get a few points for referring you. 

The Priority credit card is my favorite! Even though it has a higher minimum spend at $149, it comes with a $75 Southwest credit. The credit can be used to offset the $5.60 fee charged on every ticket and it is applied automatically by the credit card as a statement credit. 

The Priority also includes 4 upgraded boardings which help if you forget to check in and get in that dreaded C boarding group. 

Now if this sounds great to you, but you would like me to personally walk you through earning the pass step by step, join the second cohort of my new Travel Coaching Program. It just opened and there are only 10 spots available. Don't wait, enroll now.