$18,900 in FREE FLIGHTS this year | How to Travel for Free with Credit Cards

[@4UCESO]

I was told to hate credit cards. Now I have a total of 8. I have a really good credit score while rotating my credit cards and ALWAYS keeping 0 balance. It all comes down to education, focus, discipline and good habits. For people that have really bad impulse buying issues, I would recommend caution. Great Video Tutorial!

[@MarkReese]

Hey there - well said, and congrats on breaking the old mindset to build up an 8-card setup for yourself! 😃💯 Which cards get the most use?

[@alisf12]

You’re right, I just hate the credit score system in general. It’s a system designed to keep you in debt and with the little education given about credit cards in schools it’s not hard to see how people find themselves drowning in debt. Yes they might be at fault personally but the system isn’t great either

[@vacationboyvideos]

@@alisf12 your cute

[@alisf12]

@@vacationboyvideos *you’re

[@vacationboyvideos]

@@alisf12 u wrote me? 😍 Thank u, u can correct me anyday!😍

[@zoegwynn]

this has been the clearest video i've seen on the subject so far. I really appreciate you walking us step by step! i can't wait to try this when corona is over!

[@MarkReese]

Hey Zoe! Did you get any new cards w/ big bonuses this year to save up for a post-corona trip? 😃✈

[@anuj8825]

Did you try it yet?

[@MihadAlzayat]

I meet my minimum spend by dropping it on Hennessy shots at the club the night before I board my free flight Tokyo. True story.

[@MihadAlzayat]

Erika Kullberg - Personal Finance Tips I loved it so much. I only realized you live in Tokyo after I left my comment. What are you doing there if you don’t mind me asking? From your mug I’m assuming you went to Georgetown for law?

[@MihadAlzayat]

Erika Kullberg - A Lawyer's Personal Finance Tips thanks for the thorough response, always cool to learn about someone else’s life. I’ve lived in Northern Virginia for a while now, since 13. I went to Tokyo and South Korea this year for about 3 weeks each, really enjoyed both but I see myself being in japan if I didn’t have to work their insane hours. Currently a software engineer and trying my hand at KZbin. I’ll see where it goes. Your videos are solid and the editing great. Keep it up and stay in touch. Feel free to reach me at my email which is on my channel. Cheers

[@suavecito6114]

@@MihadAlzayat shut up simp

[@stylez914]

This is totally something I’d do 😂😂

[@drewdawson3830]

😂😂😂 brilliant

[@michellet204]

I seriously love your honesty and transparency. Your advice is solid! Thanks erika

[@MarkReese]

Hey Michelle! Since watching Erika's video earlier this year, did you decide to get any new credit cards to save up points for a future trip? 😃✈

[@thedailyadventurers4508]

The examples were great and the timestamps to skip to the more advanced skills were helpful! Thank you!

[@MarkReese]

Hey there! Did you get any new cards w/ large bonuses in 2021? 😃✈

[@kevinrichardson3961]

Thank you for the video. I saw someone else talk about how you can leverage credit cards to travel and I'm interested in getting started. What I like about your video is that you actually listed examples on how you can plan a trip and decide if you want to pay cash or use points. I currently only have one card which I've had for years and basically use it to accumulate points to buy Christmas Gifts for my kids but I think now I'm interested in taking it to the next level and use to travel.

[@KevinConwayChannel]

I have not paid for travel in over FOUR YEARS because of those sweet, sweet credit card points. Totally agree!

[@TheGoldenAgeofHardRock]

Same here Kevin, we've already booked hotels and flights next summer to Vancouver and Honolulu. Flights and hotels all free!

[@TheGoldenAgeofHardRock]

@@Erika2 The Hilton at Waikiki Beach!

[@TheGoldenAgeofHardRock]

@@Erika2 Love maxing out those Hilton Honors points!

[@chatitobbq4613]

@@TheGoldenAgeofHardRock which cc you have ty.

[@365vacay]

This is still the best and most succinct tutorial. Kudos!

[@slymm619]

This is DEEP!! I love it. I am wanting to do more international and domestic flights

[@KaiDLeifert]

Great content and I love the calculations! As a side note for those in Europe, with most flight carriers your best value comes with upgrades from Economy to Business Class. This is especially true for trans Atlantic flights.

[@MarkReese]

Hey Kai - right on 👊 Those international flights in premium cabins can give awesome value for points / miles 😃✈️ Which cards are you using most regularly?

[@ruchika5502]

I have heard these concepts before but your clarification was the best

[@JakeBroe]

I currently have 16 credit cards. It's a super fun hobby.

[@Erika2]

Haha, that's amazing! You have me beat!! I guess that's why you're my go to for credit card advice :)

[@andrewandretti7379]

WOW, she is one honest Lawyer in America.

[@LexFerrante]

I had no idea about the length of open credit cards affecting your credit! We use the Chase Sapphire card for everything! Looking forward to more financial tips! New subbie here!

[@cynnabnz]

This video was so helpful. People brag about travel hacking, but won't usually go into such detail as you have here. Thank you so much, this guves me confidence to finally try my hand at CCs w/points.

[@Mr.DJones]

Thank you very much for your time and posting. Every teenager should watch this.

[@btlim4316]

My problem with this strategy is two. First with airlines, I typically do not know which airlines would offer the best deal. So you may start accumulating points on united to exchange for a $1000 ticket, then Philippines airline comes in and offer a $700 flight. So you end up not using those points. When using points for hotel, usually only high end hotels allow that. I usually just stay in cheaper or boutique hotels which are cheaper. So in the end I find myself spending less if I buy ticket and hotels with cash and using points as statement credits than to use the points directly to purchase.

[@Richard-ok5un]

Amazing! Best video ive seen on this topic.

[@mrpauljyoung]

I am a major points junky having used these techniques for years. This was the best video I’ve seen on the subject overall - great job!

[@maximizedmoney]

Loved the personal breakdown of points vs. dollars. This is my struggle with my CS Preferred card. Something in my spirit just doesn't sit right with paying more in the portal vs. in cash. Usually, I judge it off a $100 difference but this is a better strategy. I've been considering my next card so I took tons of notes. Thank you!!

[@NickPeitsch]

Excellent video! Love the b-roll clips you created.

[@NickPeitsch]

Erika Kullberg - Personal Finance Tips I was thinking that’s gotta be a BIT awkward 😂

[@FlamingBasketballClub]

Did someone say snipe? 🤣😂🤣😂🤣

[@FlamingBasketballClub]

@@Erika2 🤣😂🤣😂

[@SeanLei]

This is such a thorough explanation! This year I got the venture, and 2 chase ink business cards and just booked Hawaii + Japan for free! Also thought I had subscribed and needa binge your vids

[@SeanLei]

@@Erika2 Tokyo and Kyoto end of May! Definetly as the trip gets closer I'll ask you for recs 😁

[@kayiah_the_nerd]

Awesome example of how being financially responsible with credit cards and finances can reward you BIG TIME! We do the same in our household. EVERY expenses go on the credit card we share to get more points. We love traveling, so getting more points for us is a big deal.

[@LiLsIcKViDeOs]

Max rewards is a literal life changer when it comes to tracking all the things mentioned in this video

[@MarkReese]

Hey Junior - totally agreed 😃👊 Have you been liking it yourself?

[@natashad.5754]

This was soo helpful! Thank you for breaking this subject down step by step

[@MarkReese]

Hey Natasha - totally agreed! 😃💳 Did you get any new cards earlier this year to save up rewards for future trips?

[@estifanosberta-samuel2570]

Great points, you actually answered all of my questions, thanks for posting!!

[@MarkReese]

Hey Estifanos! Did you get any new card approvals in 2021 after viewing Erika's video? 😃💳

[@geraldmccray3301]

this was REALLY helpful. i’m new to utilizing credit and you are definitely helping. thank you for this!

[@MarkReese]

Hey Gerald! Awesome that you're now in the credit game 👊 Which cards have you gotten so far? 😃💳

[@mathildaandmike]

I like how meticulously you track your spending/savings. Also, that you emphasize taking advantage of your day-to-day expenses with the card that offers the best deal. Where are you planning on traveling next?

[@MarkReese]

Hey Mathilda & Mike! Did you two get any new cards in 2021 to earn rewards for a future trip? 😃✈💳

[@chalddok]

Hi Erika! Just a question - how does it impact your credit score when you have a lot of temporary cards? Wondering because I don't like having too many inquiries dragging my score down.

[@ecsantos9043]

I wonder the same thing!!!!

[@usharose8903]

Yes, I have the same question. I had the impression that if you are constantly getting new cards and then canceling them it can have a negative impact on your credit. I'd love to hear Erika's response to this!

[@samira1334]

You did such a great and clear job explaining - thank you!!

[@MarkReese]

Hey Samira! Did you get any new credit cards throughout 2021? 😃💳

[@wyckede356]

Great video, one of the best that I have seen thoroughly explaining not only the topic but strategy as well breaking down the cost analysis of when to use points rather than cash. My question is could you explain more how to close cards when your churning credit cards without it affecting the length of your credit card history?

[@Erika2]

Thank you! The best way when you can is to downgrade the card. Also for the credit card history, this is why you always want your first card to be one with no annual fee--because you'll want to keep it open forever (since that will serve as your credit card that you've had open the longest)

[@Judykins1957]

One more thing. I save my points for flights that I’m not sure if I have to cancel. If you cancel with points you just get your points back. If you buy a flight you might not be able to cancel and get your money back. Great video! I learned a lot!

[@Opulence85]

Darn not true for American Express, you just end up with a flight credit 😢

[@cleardesigners]

The example was awesome and key for me to understand.

[@questlyft360]

This has been very helpful.. Thanks a bunch, love how you break down your POV, am guessing the judges in your cases really understand where you're coming from👌😊💯🎯 Fan from Uganda 🇺🇬

[@EasyPathFinancial]

Great information you shared. Great video as well.

[@MarkReese]

You’re into the credit card game too! 😄🙌✈️💳 Great video!

[@hustonbrayan6095]

Legit?? I bought a cc from *Ericroboti* on telegram best Vendor I know and very trustworthy. He sell cc,fullz,Bank,Drops,and Dumps

[@SwagOnSwoosh]

I really liked the .02 to justify using the points. I value them more after watching this great video. Thanks

[@MarkReese]

Hey Mike! Which credit cards are you using most to earn rewards right now? 😃💳

[@LoveReesie]

This was very very very helpful thank you so much !

[@MarkReese]

Hey Reesie! After watching Erika's video earlier this year, did you decide to get any new credit cards? 😃💳

[@davemartinez4143]

What a thorough breakdown. Thank you for the video. You got a new subscriber here

[@usharose8903]

Question: I had the impression that if you are constantly getting new cards and then canceling them (temporary cards as you call them) it can have a negative impact on your credit. What are your thoughts on this?

[@kitcloudkicker72]

Thank you Erika. You put a lot of effort into making your videos. This is very informative as I knew nothing about this topic. Now I where to start 😀

[@Erika2]

I’m so glad to hear! Thanks!

[@MarkReese]

Hey Kit! Over the past year did you open up any new credit cards since watching Erika's video? 😃✈️

[@paul9008]

Extremely helpful!

[@Sarah-np9yb]

Hi! New to your channel and love it! Can you do a separate video on Chase Freedom and how to redeem points to travel?? Thank you!

[@kobylomax]

This was super helpful

[@brittla200]

Such an excellent video! Very thorough and extremely healpful!

[@MarkReese]

Hey there! Did Erika's video from awhile back get you into the credit card rewards game, too? 😃✈️

[@ldstiesto]

What a great video! Thanks for the advice

[@MarkReese]

Hi Juan! Did Erika's video encourage you to get any new cards this year? 😃💳

[@williamwarner8189]

I've been doing this for yearsss. I didn't know it had a name. 😅. But as you explained clearly...BE DISCIPLINED! If debt is created, you're doing it wrong. Thanks for your insights.🤗

[@mohammedazeem4718]

Thank you Erika , very informative

[@MarkReese]

Hey Mohammed - have you gotten any new credit cards this year? 😃💳

[@lily_pb]

love the background setup

[@connolly447]

Hi Erika, thank you for your channel! These hacks are really helpful ☺️

[@hanspradesocials]

Thank you Erika! What a logical simple outlay. I love it ❤️ Of course I did subscribe 🙌🏽🎉

[@AnaG]

So informative. I’ve been saving my points but afraid to use them become I didn’t know how to figure out if it was worth it or to pay cash

[@GoMinivan]

Finally the first! and Only step by step of travel partners. I always get so confused at this point. Thank YOUUUU! Do you maximize hotel stays with cards?

[@MarkReese]

Hey Linda! Regarding your question above, were you referring to using a hotel-specific card to earn more points at a particular chain? Or something else? 😃✈

[@ai_foodexplorer]

Thanks Ericka your info is helping a lot 👌

[@randystover5]

Thanks Erika I really liked this video!

[@randystover5]

I'm not sure what that is

[@esther-cam4343]

Thank you so much . Much needed video from a women’s point of view 🤗

[@MarkReese]

Hey Esther! Are there any travel cards on your radar for 2022? 😃✈

[@davidrosenman976]

The examples are super helpful thanks

[@VoodooPriestMan]

Question why would u want to open temp cards and closing them . That affects your credit score . Can you elaborate on this please

[@cierrabernae]

i think it only seriously affects your score if you don’t pay off the card before you close it

[@JRspeaking]

That's really a myth, unless you don't have established credit.

[@MarkReese]

Hey man - For the most part, closing a credit card can be ok in many situations. Credit history from a card account that has been closed still remains on your official credit report for seven years. The part that could potentially hurt in the short term is if by closing an account you lose a significant amount of your overall credit. That could drive up your overall utilization, and your score down. However, if you've already have more than enough credit to cover your monthly expenses to where they take up a small portion of your credit lines, then closing a card often has very little effect ✌ Does all that make sense? 😃💳

[@yokonakamura698]

Great video, Erika! I learned so much from this video. I will start making my travel plans using my credit card. So excited! Thank you.

[@MarkReese]

Hi Yoko! Did you apply for any new credit cards since watching Erika's video a couple years ago? 😃💳

[@leyybby]

Learned something new! Thanks girl

[@Erika2]

I'm so glad!

[@MarkReese]

Hi Leyanna! Did you decide to apply for any new credit cards this year since watching Erika's video? 😃✈

[@gonzalo4526]

LOOOVEEED THE VIDEO!!!! I am new to Credit cards and really want to make use of this. Could you create more credit card videos(a playlist) with videos such as best credit cards for beginners(to cc and travel hacking), I have read the descrip and seen this but I'd love to see a more in-depth video on this as well as other credit cards (with travel points of course) that work in Europe (UK, Spain etc)(west) Thanks!

[@Erika2]

YAY! I'm so glad you liked it!! Will definitely try to put out more credit card videos! :) I'm unfortunately not familiar with what works in Europe. Is that where you're based?

[@gonzalo4526]

Erika Kullberg: Finance, Investing, Passive Income yeah

[@MarkReese]

Hey Gonzalo! Awesome that you're also into the credit card rewards game 😃👊 Do you have any new cards on your wish list for 2022?

[@garypylant3299]

I'm a pilot, great advice!

[@MarkReese]

Hey Gary! Which credit cards are you using to earn rewards each month? 😃💳

[@marjakullberg2545]

Very interesting information and well done video as before, Erika!

[@johndeluna774]

Excellent, well organized, presentation.

[@notme-sm6zb]

ANA is so amazing. It is so cool you live in Japan.

[@MarkReese]

Hey there! Do you fly ANA often? 😃✈

[@melosfunchannel5704]

Thank you! Well explained 👏🏼👏🏼👏🏼👏🏼

[@NoelleRollinsArt]

Very helpful, thanks!

[@MarkReese]

Hi Noelle! Are you using any credit cards to earn rewards on your monthly expenses? 😃💳

[@MOBAGamingNYC]

Good quality content :)

[@MarvinOsso]

Hi Erika I just found your channel! Great videos I live in Europe, Netherlands so not everything is applicable here but it’s worth to check it out. I was curious about why you even care about the value per point. I mean why would you spend 500$ if you can just throw in your points? Am I missing something or is it just a personal decision because you will rather use them on something else then? Thanks a lot :)

[@Erika2]

Hi Marvin, Thank you for watching the video! I love the Netherlands--I've been there once and hope to go back. Good question. I think value per point is just a personal decision, because I want to make sure I'm "spending" the points wisely, so that I have enough there when I REALLY need them. Example: I had to go to a funeral last year, and of course I had less than 1 day notice. When you're buying flights for cash with 1 day notice, they are usually SO expensive because airlines take advantage of people who are in a pinch and need last minute flights. I think the flights were $500 each way (when they are usually $100 each way). But, I looked at what it would cost for points, and it was the same price is always is for points. So, I used the points. If I didn't have enough points saved up because I'd been using them all without having this "points value system", I would've had to pay $500 cash. Does that explanation kind of make sense? Sorry, a bit hard to explain.

[@mcruz4467]

What a great education on credit card bonus hacks!. thank you for your information.

[@hazelgacula8672]

Awesome content!!!

[@MarkReese]

Hi Hazel! Did Erika's video get you into the credit rewards game at all? 😃💳

[@hazelgacula8672]

@@MarkReese absolutely! Happy holidays

[@MarkReese]

@@hazelgacula8672 - Awesome! Right back at you 🎅

[@iLLy143]

so helpful!. ty!.

[@Ashley_plays123]

In the end the Banks and Airline industry end up winning and you pay for it- sure you got points, but you have to make purchases for those points. In that case.....only buy stuff that is absolutely needed.

[@MarkReese]

Hey OT - exactly right about buying stuff that is needed👊 Which cards do you have to earn rewards on your regular monthly expenses? 😃💳

[@rutgers16]

Really cool explanation

[@l.a.rivasesq.8841]

This is an excellent video because your explanation of travel hacking is comprehensive. So much so that I shared your video with friends. Thank you for producing this!

[@MarkReese]

Hi L.A. Rivas, Esq. - have you added any additional credit cards to your wallet over the past year? 😃✈️

[@thanhconghoi7120]

Nice to meet you,I learner

[@riverargueta7595]

Thank you for making this video !!!! I want to start traveling more next year and I want to know what the best credit card is for me ! Now I’m set to apply for a new card ! 🥰

[@alejandrorodriguez4189]

Love your videos great advice 💯🙏

[@tarzan12345]

Nice! that's a lot of free money. I'm nowhere close to that but did get a Capital One Venture a few months ago and already got enough points for flights for the family to Cayman Islands (for vacation, not for hiding money...LOL)

[@Erika2]

Hahahah the "for vacation" had me cracking up, I love that! Capital One Venture is a great one to have.

[@MarkReese]

Hey there! Awesome that you got the Capital One Venture Rewards card last year 😃✈️ Did you take that trip to the Cayman Islands? 🌴

[@Liznvx]

This is AMAZING! ❤❤

[@boltononabudget7423]

This was actually a perfect explanation!

[@MarkReese]

Hey Javon - totally agreed. Have you gotten any new travel rewards cards in 2021? 😃✈

[@boltononabudget7423]

@@MarkReese yes! I went pretty hard haha chase sapphire preferred and chase sapphire reserve (I did the mdd), United Explorer Business card, and just got the Amex platinum last week. Hit the SUBs on the first three. Working on the platinum now

[@MarkReese]

@@boltononabudget7423 - Heck yeah! All of those cards had crazy-high bonuses this year; well done! 😎👊 What did you mean by "the mdd?"

[@boltononabudget7423]

@@MarkReese mdd is the “modified double dip”. It’s a work around to be able to get the chase sapphire preferred and chase sapphire reserve at the same time. You apply for one card and 24 hours after the first card is approved, you apply for the second card. This bypasses chases one sapphire rule

[@MarkReese]

@@boltononabudget7423 - Fire!🔥How long ago did you that?

[@jonathankurtz6657]

If you look at ticket prices, then compare with other airlines, if you go back to the ticket you like, they are now charging more, bc they know you want it % will probably pay more.

[@angelicadejesus801]

Great info!

[@robertmelgoza6941]

Hi Erika thanks for your great advice following

[@mahnoorio]

Doesn’t cancelling a credit card harm your credit score?

[@robertojimenez721]

Love the channel... you’re awesome!!! Good info..😉

[@Erika2]

Thanks so much!

[@MarkReese]

Hey Roberto! Did you get any new credit cards this year? 😃💳

[@Ema25Henao]

Lifechanging!!! Thanks for introducing me to travel hacking

[@philluv]

Just starting this process and your video was so good and answered a lot of questions that I'm definitely subscribing!

[@Erika2]

So glad to hear!

[@marlondohall3161]

Erika can you book me a flight using your point for a total stranger really need the help to get home had a return ticket from Antigua to Jamaica but did put a pass on my ticket because I wasn’t ready to leave and that cost me to lose my ticket reply if you want to help the airline is Caribbean airline

[@marlondohall3161]

Please do if you can would really appreciate it because I really don’t have the money to buy a one way ticket really broke have been here to months and no job as yet so I really want to go

[@MarkReese]

Hey Phil! Did you end up getting any approvals for new cards this year? 😃💳

[@philluv]

@@MarkReese I actually did!! Went to disney world and paid nothing for airfare, rental car, or hotel!

[@nicholasheredia3852]

Great video! Quick question: When canceling your credit cards before the year end is up so you don't get hit with the fee again, you need to spend all the points before you cancel, correct? Also, do you ever have any issues canceling?

[@andreamoreno7041]

Great question ! Hoping someone can reply

[@Krupaux]

i am curious about this too

[@ThePreety93]

You can transfer your points to the new credit card. There are limitations as to which cards you can transfer though, for example when closing the amex preferred rewards card (which has an annua fee) you can only transfer the points to the amex rewards card (doesn't have an annual fee) so they won't be lost

[@Krupaux]

@@ThePreety93 thanks for the info, appreciate it.

[@Je.rone_]

*Nice vid* 💪🌚

[@Je.rone_]

@@Erika2 no need to thank me I'm your friendly neighborhood black Vito💪🌚

[@julianagarcia2971]

Hi! Super helpful video. Do you have a template of the spreadsheet you can share? I like your system of keeping track of the cards :)

[@carolinaespinoza154]

Thanks for the content! What is your thinking process for credit card shopping? And I’d love to hear your insight/opinion about Amex!

[@TractionWealthManagement]

Thanks for the info! Question: How soon can you reapply for the same card that you recently cancelled and get the bonus again?

[@danakaddouh]

Can you make points if you buy tickets for other family members like parents or it has to be a personal ticket?

[@yeranishunor4854]

I love your KZbin channel! :)

[@ElieBeth___]

Newbie question but why doesn’t cancelling all those credit cards affect your credit score? Referring to credit card churners

[@carmelabalos4714]

Once you hit your minimum purchase and earned your points, do you tranfer your points before closing the card? Please advise.

[@jermaineboyd6594]

Great tips and hacks..I didint know this hack when I had a chase freedom credit card not that I use it for flights but just dinning out,but its good to know,I'm planning on taking my possible first flight next summer to Orlando great vid.

[@jermaineboyd6594]

@@Erika2 I wish that was the case its a conference...spiritual that is and business.. On your video after next can you do one with money making apps?

[@jermaineboyd6594]

@@Erika2 I look at some a give you some apps names that makes money

[@MarkReese]

Hey Jermaine! Have you added any additional credit cards to use alongside your Chase Freedom card? 😃💳

[@timeawaytravel]

thanks I am a new travel agent and I want to learn as much as I can

[@alicialyford1165]

Does it impact your credit if you are constantly opening and closing credit cards just to get the perks?

[@MarkReese]

Hey Alicia - yep. Consistently opening & closing will cause fluctuations in your score ✌ How long of a credit history do you already have built up?