19.1.17

how our family travels for FREE (+ yours can too!)

*** See updated blog post here - Travel Hacking 2.0 ***

Over the years our little family has been on some insane trips, thanks to free flights redeemed with Aeroplan points.


Last summer we went to Vienna and Bern, and this summer we are planning to visit Japan, and as always, the flights will be paid for by points!


Over the years, people have asked us for info on how we pull this off. So I asked Brad if he would write down some step-by-step instructions to make it as easy as possible to replicate! Feel free to ask any questions below and Brad will reply to your comments as he has time. Happy travels!



Hi everyone, Brad here. The process is actually pretty simple. It involves applying for certain credit cards which offer disproportionately high amounts of Aeroplan miles as a sign-up bonus, redeeming the miles for free flights, and cancelling the cards.

(If you don't already have an Aeroplan membership you can get one here (it's free).



FIRST THINGS FIRST

The first thing to do is to check your credit score. Every credit card application you make lowers your score by about 5-7 points. Now, that’s out of a total of 900 possible points, so it’s not a huge number, but it’s still something to keep in mind.

Some other quick thoughts on credit for those interested:
  • A score represents a moment in time and can change based on your behaviour.
  • Missed or late payments or lots of maxed out credit accounts will lower your score.
  • The best way to increase your score is to pay back debts on time and consistently.
  • Scores typically range from 400 to 900, and 'good' scores are usually 660 and higher; anything over 750 is considered 'excellent'. So whether it’s 750 or 850 doesn’t really make a difference. For an institution like a bank or credit union looking at your credit, anything over 725 is a no-brainer.
  • If it might help allay your fears, I don't know how many credit cards I've applied for in the past few years, and Equifax tells me my score is 759.

The credit bureaus don’t make it easy to find, but here's a great way to get your credit score for free:

www.borrowell.com/free-credit-score

When you get your report, make sure all the information is accurate. If your report shows loans or credit cards that you didn’t apply for, someone may have used your identity to apply for credit or the credit bureau may have incorrect information about your credit use. Either way, you’ll want to tell the credit bureau about the discrepancy immediately.

Ok, let's get started!


STEP 1 - GETTING YOUR POINTS

In order to rack up the necessary points for your dream trip, you have to follow these steps:
  1. Apply for a given card
  2. Meet the minimum spending requirements for the card
  3. Wait for the points to appear in your account (can be up to 6 weeks)
  4. Cancel the card before the annual fee kicks in (these cards have annual fees of anywhere from $150 to $250 - the first year is free and is the key to this whole plan so do not forget to cancel them!)
These steps will lead you through applying for various American Express credit cards, whose points are transferable 1:1 to Aeroplan.

So when I refer to 'points' throughout this, I'm referring to either Aeroplan points or Amex points, since they are essentially the same with the same value.


Links to Credit Cards to Apply For:

Ok, start dreaming: where do you want to go? Figure out how many points you'll need, and then apply for the cards to make it happen.

Anywhere in North America: 25,000 points
Mexico: 40,000 points
Hawaii: 45,000 points
Europe: 60,000 points

All for round-trip flights!

(You can see the whole award chart here.)

Now let's take the first step: applying for cards!

Note: if you decide to sign up for a card, use the links below! You get 10,000 extra points per card for doing so!


AMERICAN EXPRESS BUSINESS GOLD REWARDS CARD – 30,000 points (40,000 if you use this link!)
  • Annual fee waived for the first year!
  • This is a great offer - the highest I've ever seen for a free card
  • Here's what you need to know: 
    • You need to include a business name - but it doesn't need to be an officially registered business. It can be anything that allows you to make money - even if it's not currently doing so.
  • For example, I have sold the odd used book on Amazon. So I used my Amazon selling name as my "business" name and it worked perfectly. An eBay seller account would work as well. Have a blog? You can use that. It's really flexible.
  • You also get 1 point per dollar spent on the card, so after meeting the minimum spending requirement (more on that below), you'll have 45,000 points, enough for Hawaii!


Tip #1 – Take a shortcut

If you’re in a hurry, this card offers 60,000 points, which is a huge amount – enough for a round-trip flight to anywhere in Western Europe:

AMERICAN EXPRESS PLATINUM CARD - 50,000 points (60,000 if you use this link!)

The $699 annual fee is obviously insane, but the card includes a yearly $200 travel credit, usable any way you like. So if you use the credit twice (once upon receiving the card, and once a year later just before cancelling), you are effectively reducing the annual fee to $299.

Which is admittedly still a good chunk of change. But for 60,000 points it’s actually not bad at all.

This card also has the advantage of having a much lower minimum spending requirement (only $3,000).


Tip #2 – Rinse, repeat

Here’s another lucrative secret: after cancelling the card, believe it or not, six to eight months later you can reapply for the exact same card and still receive the bonus points. (I’ve heard of people successfully reapplying after as little as two months, but that’s a little hardcore even for me.)

I’m on my 4th or 5th time through some of these cards and much to my amazement, it just keeps working!



STEP 2 - MEETING THE SPENDING REQUIREMENT

You'll notice that these cards require that you use them to spend a certain amount of money before they'll dish out the points: $3000 to $5000 in three months.

Which is definitely no small amount. If you're wondering how to hit this minimum spending requirement, here's some ideas:
  • This is obvious, but put everything you can on your credit cards. Sometimes people seem reluctant to do this, but as long as you pay your bills promptly, it’s a no-brainer.
  • Some businesses won't take Amex, but almost everything online will: Paypal, Airbnb, Amazon, etc.
  • Donations: if you give monthly to an organization, an option is to cancel the donations for a few months and simply make a one-time donation. So you cancel your $100/month donation for 6 months and make a $600 donation. (But don’t forget to restart the monthly donations after!)
  • Offer to put big purchases for a group on your card. A friend of ours put some big costs for his brother's wedding on his card, his brother paid him back, and he was able to hit his minimum spend in one shot!
  • A brand new and very interesting option is using PayTM: they enable you to use an Amex card to pay your bills - even your property tax bills! They charge a 2% fee, which is perfectly balanced out by the points you get for using the card. I've been doing this for a few months and it works great!
    • Use promo code PTM9935132 to get a $10 bonus after paying your first bill of $50 or more!

Converting Your Points

Since you’re working towards an Aeroplan flight reward, you need to convert your American Express points to Aeroplan miles (they transfer 1:1). Thankfully, this is super easy. Go to the Rewards section after you log in to Amex, and find the link for "Rewards", and then “Transfer my points.”

The conversion from Amex points (called Membership Rewards points) to Aeroplan is instantaneous – however, you must first register your Aeroplan account, and that can take a few days. So plan accordingly!


STEP 3 - SPENDING YOUR POINTS

Now here’s the fun part: booking your flight!

But wait. You’ve probably heard about the dreaded taxes that accompany a reward flight booking. It’s true. And really, it’s ridiculous that a “free” flight isn’t actually free. In particular, there is often a “fuel surcharge” levied which can be $500-$600 alone. So the fees and taxes can amount to almost the full price of the actual flight! Which would mean this was all a colossal waste of time.

But I learned of an ingenious workaround: different airlines charge different levels of fees and taxes.

And some airlines charge very little! Want to know which ones? Here is a list of some of the airlines that you can book with your Aeroplan points in order to avoid the most obscene of the reward flight surcharges:
  • United
  • Swiss
  • Brussels Airlines
  • Croatia Airlines
  • Egypt Air
  • Aegean Air (for Greece!)
  • Air China
  • Scandinavian Airlines
  • Air New Zealand
  • Turkish Airlines
  • Ethiopian Airlines
  • LOT Polish Airlines
We paid about $150 in taxes for each of our round trip flights to Copenhagen and Amsterdam. Considering those flights were supposed to cost over $1200 each, I’ve never paid $150 with a bigger smile on my face.

There are two ways to redeem your Aeroplan points for a flight:
  1. Online through your Aeroplan account page
  2. Over the phone with an Aeroplan agent
Most of the time, you should be able to find your preferred flight on the Aeroplan website. But sometimes you may need to call Aeroplan to book it. (Note that they charge $35 for this. Which is why it’s always preferable to find it on Aeroplan’s website if you can. But if you’re doing a convoluted routing, it’s well worth the charge.)


STEP 4 - PROFIT!

That's it! A few more tricks to mention...

Adding a stopover

You know how when you’re flying you often have a stopover in some random airport for a bunch of hours? Wouldn't it be cool if instead of a random airport it could be a place you actually wanted to visit? And instead of 4 hours, you had a week? Well, a little known fact is that you can intentionally add a stopover your trip.

Different airlines have different policies, but generally, you can add a stopover on both your outbound and inbound flights. So essentially, you are getting completely FREE flights to new destinations.

We were limited by vacation time constraints, so we only added one, but here’s how we did it:

Outgoing flight: YUL-IAD-CPH
Return flight: CPH-AMS-ORD-YUL

So on our return flight, technically we are flying Copenhagen to Montreal. But we forced a stopover in Amsterdam...which lasted 8 days. After 8 days, our return voyage resumed, and we flew to Chicago (mandatory stopover because there’s no AMS to YUL direct) en route to Montreal.

This is probably one of the coolest tricks out there. If you have the time, and if your destinations are considered ‘valid’ (in other words, you can’t fly Toronto to Belfast with a Shanghai stopover, as it exceeds the 'Maximum Permitted Mileage') you can almost literally fly around the world for no additional cost.

Know Your Perks

On top of everything else, these credit cards come with some really cool perks. Things like lounge access, free travel health insurance, trip cancellation insurance, and, my personal favorite: delayed baggage insurance ($1000 spending spree if your bag is delayed for more than 6 hours! This happened to Em and I once and we got to spend $1000 each in Casablanca!)

Timeline

One last helpful bit of info would probably be: how much time does this all take? How far out do I need to start?

Amazingly, finding flight availability was not a problem at all. If you’ve ever heard that flight rewards need to be booked a year in advance, that’s totally bogus. Airlines constantly release new availability depending on sales and route popularity, so if your desired routing is not available, just check back the next day.

Here’s an example from a previous trip:

Jan 2015: applied for the cards
Early Feb 2015: started putting money on the cards to hit the minimum spend requirements
Early Apr 2015: hit the minimum spends
Early May 2015: all points received – began searching for flights
May 17 2015: booked the flights (Aug 10 departure)

So really, it wasn’t a painfully long process. If you’re the cautious type, you can always just give yourself more time and start earlier.

Note: Amex says it can take up to 8 weeks to credit your account with your points. So plan accordingly. But if you get into a tight spot (like I did) you can ask them to please pretty please expedite the process. They did for me.


Thanks Brad! I hope this was helpful to you guys! We love traveling and aim to go somewhere new every year, but who has the budget for that? Not us...without these crazy tricks. The cost of an average European vacation for us is akin to going to South Carolina or Florida for a week and a half... except we are in Europe for 2-3 weeks! When flights are free and you cook most of your own meals, and if you stick to cities, negating the need for a rental car, your European Once-In-A-Lifetime Vacation is actually quite realistic.

Congratulations if you made it through this textbook of a blog post! I know it's long, but this info is really helpful and has allowed our family to have countless priceless experiences, so I wanted to share :)

Thanks again for using the links in this post, and don't forget to mention any questions for Brad in the comments below. Bon voyage!

64 comments:

  1. So does that mean that over the years you guys have ended up applying for the same credit cards several times? (Because in theory you would at some point cycle through them...) And do they let you apply for the same credit card again, after having cancelled with their company already?

    ReplyDelete
  2. Another question: you mentioned 3 cards to apply for. Are there others that provide Aeroplan points? If, for example, we wanted to pay for our whole family of 5 in points (destination:Europe), that means 300,000 points. Even if I apply for all 3 cards you mentioned above, it still won't cover it...

    ReplyDelete
  3. Hey Lizzie!

    Yup, that's exactly what we did! We have cycled through these cards a few times. We wait about 6-8 months after cancelling to renew them again.

    Also, it probably goes without saying, but make sure both you and your husband sign up for the cards!

    But you're right, 300,000 points is a huge amount. That's how many we need too, and we didn't have enough to redeem them in 2016. So we took an 'off' year to save up points and just paid for our flights out of pocket (which is why we picked Iceland - go WowAir and their crazy cheap flights!)

    There are indeed other cards that provide Aeroplan points, you just have to check and see what the current offers are because sometimes the first year is not free, and sometimes it is. The TD Visa Aeroplan card for example has been hit and miss with their FYF promotion. But I just looked and it's back on! So that's another 15,000 points each. Here's a link: www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/aeroplan-infinite-affiliate.jsp?SourceCode=gZQM3

    There's also the CIBC Aerogold Visa that offers 15,000 as well. I didn't see any FYF offers currently, but it's good to keep your eye on it and check on it frequently.

    Getting to 300,000 takes some time, but it can be done! Of course, if you're in a hurry and want to get there faster, paying the $399 for the 75,000 points with the Amex Business Platinum card might be worth it...

    Hopefully that helps! Let me know if you have any other questions!

    Brad

    ReplyDelete
  4. Great tips! Thanks for sharing!

    ReplyDelete
  5. Anonymous25.1.17

    Hi! Quick question...have you ever had any problems with them revoking points/putting a time limit on using points, after you have cancelled the card? I just read something about this online and want to make sure it's not true. Thanks!!

    ReplyDelete
  6. Hey Anon!

    Thanks for mentioning this. Don't cancel the Amex card until you have transferred all the points to your Aeroplan. Once your points are safely in your Aeroplan account, you're good to go and free to cancel with no risk at all.

    But if you cancel your Amex cards with points still in your Amex account you'll lose them.

    ReplyDelete
  7. Anonymous30.1.17

    Are you aware whether this can be done if you live elsewhere. I'm in the UK and wondered whether this can be done, but just using alternative cards/banks? Thanks, Jo

    ReplyDelete
    Replies
    1. Hmm, not sure about the UK. I know in the US the options are even better than in Canada.

      But I don't know about the UK. Wouldn't surprise me though!

      Delete
  8. Anonymous19.2.17

    Salut Brad. Merci pour les infos! J'ai tenté de m'inscrire pour connaître ma cote de crédit et le site ne permet pas de le faire avec une adresse du Québec. As-tu passé par un membre de ta famille qui habite à l'extérieur ou s'il y a une autre façon? Merci!

    ReplyDelete
    Replies
    1. Salut! Vraiment désolé du délai!

      Oui, t'as raison, malheureusement pour nous au Québec on ne peut pas utiliser ces services :-(

      Dans ce cas, j'ai dû demander directement au bureau de crédit.

      Il y a deux options:

      Equifax: help-en.equifax.ca/app/answers/detail/a_id/300/~/free-credit-file-options-for-canadian-residents

      TransUnion: www.transunion.ca/product/consumer-disclosure

      Les deux sont gratuits, mais ça peut prendre plusieurs semaines.

      Espérons que le Québec permette bientôt aux autres services de faire affaire au Québec, c'est nettement plus facile!

      Delete
  9. great tips - checking things out right now. thank you

    ReplyDelete
    Replies
    1. Great! Let me know if I can help along the way!

      Delete
  10. Thanks so much for the tips! How do you go about adding stopovers on your itinerary if you book online?

    ReplyDelete
    Replies
    1. Hey Laura!

      If you're adding 1 stopover, you simply choose 'multi-city' from the options when searching for flights (as opposed to a return flight or a one-way flight). That will allow you to choose (for example) YUL to VIE, VIE to ZRH (9 days later) and ZRH to YUL (9 days later again). This is what we did this summer and it worked perfectly!

      If you want to add 2 stopovers, then you have to call Aeroplan to book it for you, as you can't book more than 1 stopover through the website.

      Aeroplan will charge you $35 (per ticket) for booking over the phone, but just remind yourself you're likely saving hundreds of dollars by tacking on another free flight :-)

      Let me know if you have any other questions!

      Delete
    2. One more question, you mentioned that you both apply for the credit cards; are you able to transfer both the points to one aeroplan account, or do you have to each transfer points to your own aeroplan account?

      Delete
  11. Anonymous26.7.17

    I don't think it's accurate to say you flew "for free" sounds like you still have to pay the annual fees and taxes for all the cards you applied and canceled.

    ReplyDelete
    Replies
    1. Hey Anon!

      As long as you choose the Amex Gold or the Amex Business Gold, the annual fee is waived for the first year. So nothing to pay there!

      But you're right, you do have to pay the taxes on your reward flight. But if you follow the tips on how to book it, you should be able to pay very little. I paid $132 for a ticket this summer to Vienna and Zurich on SwissAir that was valued at $1700, so with savings like that, even though it's not technically free, it certainly feels that way ;-)

      Let me know if I can help in any way!

      Delete
  12. Hey there, I've enjoyed following your family's travels and had a quick question about free plane tickets. You said to use Aeroplan to transfer miles. Is there a reason why you used that company specifically? Was it just the easiest for your location, or is it the best to work with when transferring miles? We live in the US and just didn't know if we should look at any other rewards programs. Thanks!

    ReplyDelete
    Replies
    1. Oh shoot, I'm SO sorry for not getting back to you quicker, I must have missed your comment...!

      Aeroplan is sweet because they transfer 1:1 with Amex points. But if you live in the US, you actually have way more airline partners that offer 1:1 exchanges. So definitely look at the options and choose whichever one is best for you!

      It's the luxury of living in the US :)

      Good luck!

      Delete
  13. Question for you....so far we've used your tips and done a great job accumulating points, yay us! We should be taking a free flight to Calgary later this year, so it's been very worthwhile so far.

    I've noticed that when I look at booking a flight, it seems to only show Air Canada options now. Is that a change? Or is it possibly related to where I'm trying to go?

    Also, how do you keep informed about special promotions from credit card companies (no annual fee, bonus points, etc)?

    ReplyDelete
    Replies
    1. Good for you guys! Really glad to hear it :)

      Great question! Short answer: it's likely related to your destination. Not sure where you're located, but likely the only other company other than Air Canada that flies to Calgary from your city is WestJet (which is not part of the Aeroplan network). So the Aeroplan website is displaying primarily Air Canada flights because that's literally the only available option.

      Long answer: In general, the Aeroplan website will always prioritize displaying Air Canada flights (which, as you now know, charges heavy 'flight surcharges'!). This is due to their agreement with Aimia (Aeroplan's parent company). But if you're flying to a destination served by many airlines (like our trip to Vienna), and you're not seeing any airlines included in my above list which don't levy the flight surcharge, you will have to do some sleuthing and find it yourself. For example, use United's reward search engine: https://www.united.com/ual/en/ca/flight-search/book-a-flight/redeemmiles

      You can't book through it, but you can see the availability. Once you find your ideal flight, call Aeroplan to book it.

      There you go! Hope that's helpful :)

      -Brad

      Delete
  14. Hi! I've booked marked this post in my head for awhile so now I'm finally getting back to it :) I'm wanting to sign up for the AMEX cards but I can't see anywhere where it says that the annual fee is actually waived. Was that a promo only for a time? Any help would be appreciated! Thanks!

    ReplyDelete
    Replies
    1. You're totally right, some of the cards no longer have the annual fee waived. I actually just updated this post with the accurate info, sorry that it took me so long!

      Thankfully at least the Amex Business Gold still waives the annual fee for the first year.

      I'll be on the lookout for others and add them as I find them!

      Delete
  15. Anonymous8.4.18

    Hi!

    I'm just wondering if it is possible to book the longer layover (a couple of days for example) without using aeroplan? We are looking to book a trip to France with a couple days stopover in Germany but can't figure it out online?

    ReplyDelete
    Replies
    1. Generally you should be able to purchase a ticket for that no problem (it's called a multi-city trip, and it will allow you to choose each segment of your trip separately).

      But you'll notice that doing so will cause the price of your ticket to go up - sometimes significantly.

      The advance of Aeroplan is that they allow up to two stopovers at no extra cost.

      Hope that helps!

      -Brad

      Delete
  16. Hi. If your spouse signs up for the Amex credit card, can he transfer the points to your Aeroplan account?

    ReplyDelete
    Replies
    1. Yes! In my experience, as long as you share the same address, it's no problem at all. We've done it many times and never had a problem.

      -Brad

      Delete
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