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THE UlTiMATE gUidE TO FREqUENT FlyER MilEs

Kiva allows you to use a credit card so you can lend the money to someone in need of it and it will also
count against your minimum spend. And since you’ll eventually get paid back, you aren’t actually spend-
ing any money.

I love Kiva anyway, but the fact that it can help me make my minimum spend requirements is like the
cherry on top. If you’re interested in learning more about Kiva, you can go to their website. If you want to
join a Kiva lending team, check out the Milepoint team, which is one of the largest lending teams in the
world and made up of frequent flyer junkies (myself included) who are members of the Milepoint forum.

/// CREDIT CARD SIGNUP WRAP-UP

You don’t have to be a rocket science to realize that signing up for credit cards is an AMAZING way to
earn tons of frequent flyer miles, and to do it fast. It is the hands-down, no doubt about it, #1 way that
most frequent flyer junkie earn a bulk of their miles. And you can do the same. BUT…

Be careful!

You’ll only be able to continue to get approved for the best cards and earn the signup bonuses if you
maintain your credit score. Constantly use Credit Karma and Credit Sesame to monitor your credit score
and take it slowly in the beginning.

Sure, there are a lot of great deals out there, and if you’re anything like me, you’re going to want to get
them all right away. DON’T!

Do some research, figure out which cards earn the best miles for your specific travel plans, and be se-
lective in your applications.

General rules for newbies just starting to apply for travel credit cards:

1. Pick, at most, 3 credit cards you want to apply for.

2. Make sure these credit cards are from different lender (i.e. 1 Chase, 1 Citi, 1 American
Express). I know Chase has most of the best cards, but if you apply for more than 1 at the
same time, chances are you’ll get denied for the 2 .
nd

3. Always make sure you can meet the minimum spend requirements.

4. If applying for more than 1 card, consider applying for all of the cards on the same day. This
not only helps your chance of getting approved for all the cards but also makes it easy to
track when your cards 1 year anniversary is coming up.

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