#132 Credit Card Hacking Your Wedding

Is it possible to pay for your honeymoon (or at least the flight and hotel accomodations) using points you earned when you spent money on your wedding? Yes! This episode breaks down how. We’re happy to have Keith King on the podcast because we too need to learn about our credit cards! Miles, points, travel hacking - woohoo!

Keith King is quickly rising the ranks as a blogger, and freelance writer. The travel bug was planted in him when he was young. That was when his love for planes started. It continues to this day, as it led Keith to become a licensed pilot. His other love is writing. After all, it's what he does for a living AND a hobby. He's a TV news executive by trade.

At KeithKingReport.com, you'll find Keith's experiences with travel, budgets, and more. The goal for this blog is to make sure you can do more than just live to work. Rather, we want you to work to live.

Keith's first book, Cracking the Code to Travel Hacking, was published in November of 2017. A great read if you're interested in jumping into the world of travel hacking with credit cards.

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Big Takeaways

Disclaimer: We are not affiliated with any financial institutions or credit card companies! We’re speaking from personal experience and it’s very limited! Keith King is a hacking and travel expert and his opinions are his own. Don’t come back and blame us if you rack up thousands of dollars in debt on credit cards and wedding planning! Even credit cards that give you incentives and points are ONLY worthwhile if you pay them off every month. The interest incurred for a balance due will never be less than the rewards or points you are getting. There is a reason why credit card companies make money! Don’t be that reason. And don’t spend a lot of money on your wedding that you just don’t have. Unless you are ok with debt and interest piling up and in that case, do you. We encourage you all to always pay off your credit card statements!

Who would this whole thing work for? Responsible adults who pay off their cards on time! If you are in credit card debt, or if you can’t pay off your debt in a cycle or two, you shouldn’t apply for a new credit card. Pay off the debt you have and then once it’s clear, you can get the card with the points that you want. Also, it will work specifically for you if you love to travel and plan on traveling on flights and staying in hotels for your honeymoon! Double awesome if you also want to host your wedding in a hotel.

_Cards that are awesome for the ‘starter hack’: _

--#1 suggestion right now - Chase Sapphire Reserve and/or Preferred - depending on the card -- 2 or 3 points per dollar at restaurants and travel (good card to use if you're reception is at a restaurant). You can transfer these incentives to the travel partners like hotels and airlines. Super easy to use, Michelle loves it.

--Chase Freedom Unlimited (1.5 points per dollar on everything)

--Amex Gold (4 points per dollar on dining and supermarkets)

--Barclaycard Arrival Plus (cash back)

--Capital One Savor Cash Rewards (cash back)

Links we referenced

http://www.keithkingreport.com/ - he has a book! And a great blog too for travel hacking and travel tips.

https://twitter.com/The_KeithKing

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