One of the daunting things about sign on bonuses is hitting the minimum spend requirement on some of the credit cards. $4,000 in 3 months is a lot of money so here are some of the best ways I have found to hit the minimum. 1) Use the card for everything you are already going to be spending money on. Simple enough step. 2) Prepay for known expenses. Example: I prepaid my car insurance policy to help hit a spend minimum because I knew I would be spending the money in future months anyway. 3) Ask your parents or dependable friends if they have any big expenses. You can then use the card for the purchase and just have them pay you back. We did this with my parents when we took advantage of the awesome offer the Chase Sapphire Preferred has currently. We used the card for an expense my parents were already going to have to pay for and then they just paid us directly!

Exciting news everyone, my favorite travel credit card just increased its welcome offer. Typically the offer is 60,000 points if you spend $4,000 in the first 3 months but now they are adding a $300 travel credit on top of the points. The estimate value of this is $1,050! If you are considering getting a travel credit card this would be an excellent time to do it. I recently used my referral link to have my wife sign up. By doing so we are getting the increased offer on her card, and the 10,000 bonus on my card for referring her. So in total 70,000 points plus $300 bucks in travel credits. Limited-time offer – $300 Chase Travel℠ credit + 60,000 bonus points with Chase Sapphire Preferred. I can be rewarded if you apply here and are approved for the card. https://www.referyourchasecard.com/19P/3B4GB8U9HW

See below for what I’ve found to be the most helpful intro into points and miles to be used for travel hacking. If this is way too much to watch that’s okay because there is only a few things to understand right now! 1) and this it’s important- only use these methods if you are responsible and can control spending. The goal is to take advantage of the great deals banks offer for you to use their products. 2) sign on bonuses are our bread and butter. 3) transferring points is the best way to get the most value from your points. https://l.dailydrop.com/ss/c/u001.mCOr-BncDjlXqurZXD9Mg1-av2MbH3VVzbzrEEtbPFHw67Bkn7uVbhJqbwoisIrTdzIa4D4W1M5AnHQbiT1oPRi1fI8DnUq7na5XmEpvma4p5vSv1Pri5xzYY1bPW73XLUZZWaECrS7eg-DoualWb3beULsgNfIFWiIleswyE1sCoDDWwNQdi0JjnrBSQ2VIg6TD14Xi7pccuHG_rddMIlZDmQ3aexx7QX66lSJZ6pzX_dASflrHMakkAtfn888zINVnPPXtarLgh3sOSlLchw/48j/D6lifQPQQ-Syt1MCpYzmgg/h44/h001.nmcHQe6jchZWLqRf4uSxTZjRjOwkXWPLznqdAjdHjTA