Travel Hacking Resources Guide For Americans And Canadians

This post won’t be a travel hacking system outline with a step-by-step process of how to run through the Chase Rewards ladder or secure the Southwest Companion Pass.

However, I will like to resources with those specifics.

Consider this post more in the guise of a travel hacking resources guide directory. An encyclopedia of links connecting you to all the different areas of travel hacking. The intention here is to provide a collection of resources to have at your disposal and assist you with your research. 

I’ve tried to accrue resources for both Americans and Canadians. The rewards programs, credit cards, hotels and airlines differ between the two countries, but hopefully this helps drive all of us to the proper destinations.

Basic Rules To Travel Hacking With Credit Cards

Before we get into any specific cards, let’s solidify this point. Travel hacking requires credit cards so we need to stick to some basic rules. Don’t let the chase for rewards work against you and get you into any financial trouble.

If you haven’t recently, go check your credit score and credit report. 

Credit Score For Free – Americans

Credit Sesame gives Americans free access to their credit score and reports. Safe, secure, easy to use and full of other value and benefits. Sign up today for this free service.

No catch or hard pulls on your credit just a great tool to stay on top of your financial health and monitor your credit as you progress through your financial journey. Plus Credit Sesame members get free identity theft protection (up to $50,000 insured).

Credit Score For Free – Canadians

Borrowell gives you free access to your credit score and credit reports – there’s no catch or hard pull on your credit. It’s a great tool to stay on top of your credit score, which in turn will affect your overall financial health and credit opportunities available to you as you move forward.

Borrowell is simple, secure and free. It takes 2 minutes to register your account and from there, you’ll be able to monitor and track any monthly changes in your credit score and report.

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Comparing Credit Card Benefits & Features

What are we generally looking for when comparing between all the cards available? 

• Signup Reward
• Intro Signup Bonus Points
• Bonus Spending Categories
• Annual Fee Waived
• Travel Insurance Coverage
• VIP/Priority Lounge Access
• Warranty Extensions
• Other Benefits

Travel Rewards Programs

The first task should be signing up to begin earning points through the various rewards programs memberships. These are the rewards programs for providers like Chase, Delta, Air Canada, Starwood Hotels, Avis and so forth.

You can try to track these points balances individually through provider’s website. Or you can use a site like Award Wallet.

Award Wallet lets you create one account and link the necessary rewards memberships with all you need for your travel hacking “wallet”. Basically anything you can earn member reward points for, Award Wallet has it listed (some Canadian companies unfortunately aren’t listed).

Track your points, get notified about potential expiration dates on points, check travel reservations and much more. So register for the various rewards programs you may potentially use in your travel hacking lifetime. Then head over to Award Wallet and sync all those accounts.

If you aren’t sure what rewards programs you might need (hotels, airlines, etc.), set-up your Award Wallet first and use their list of providers for each category to source the links you need to register for the different companies.

Travel Rewards Credit Cards

The first type of credit cards we will be noting in the travel hacking resources guide are the general travel rewards credit cards. These are most often tied to a specific financial institution and the points earned can be used for various aspects of travel. 

Luckily for us there are amazing aggregator websites, blogs and communities dedicated to showcasing the latest and greatest rewards cards.

American Travel Rewards Points Credit Cards

ValuePenguin

Value Penguin lays out all the different travel rewards cards in an intuitive, easy to understand chart. They total up a “2-year rewards value” figure for each card to generate a quantitative comparison metric for you to use.

TripHackr

TripHackr is an amazing resource for all things travel hacking. The TripHackr team regularly updates their ‘Best Travel Rewards Cards’ section to give their readers timely recommendations.

The Points Guy

The Points Guy is another 5-star website for anything regarding travel. They churn out like a half dozen articles a day and also have a rewards cards recommendations section that is updated frequently.

Note: these offers, bonuses and rewards are always changing from the different credit card providers, so be sure to check their website for the most up to date details.

Highly Recommended Travel Rewards Card: Chase Sapphire Preferred Card

• 50,000 bonus points after spending $4,000 in first 3 months ($625 travel value)
• 2x points on travel and dining
• 1x point on all other purchases
• $0 annual fee 1st year ($95 after that)
• 25% more travel value when redeeming through Chase Ultimate Rewards platform
• 1:1 points transfer to their Partner Airlines & Hotels
• Extensive travel insurance & purchase coverage

Canadian Travel Rewards Points Credit Cards

Ratehub

Ratehub is essentially the Canadian version of ValuePenguin. An easy to navigate chart as well as individual reviews for the most popular cards. They often have referral bonuses as an added value, I got a $100 Amazon gift card when I signed up for my most recent rewards card through them.

GreedyRates

GreedyRates is a comparable platform to Ratehub but it’s still beneficial to check multiple sites for other reviews, potential bonus offers, etc.

Rate Supermarket

Rate Supermarket is again in the same realm as Ratehub and GreedyRates, just another option to review cards and make sure you’re getting all the information needed to make your decision.

Highly Recommended Travel Rewards Card: Scotiabank Gold American Express Card

• 15,000 bonus points after spending $1,000 in first 3 months  ($250 value)
• 4x points at eligible gas stations, grocery stores, on dining and entertainment
• 1x on all other purchases
• $99 annual fee 1st year ($99 after)
• Complimentary Concierge Services 24/7
• Extensive travel insurance & purchase coverage

Hotel Rewards Credit Cards

Other option you’ll want to set your eyes on might be a hotel rewards credit card.

Hotel rewards cards are pretty flexible in terms of transferring points between their partner providers and have relationships with specific airlines to assist with our all-around travel hacking efforts.

Your travel hacking system should try to build in 1-2 hotel chains as your consistent mainstays whenever possible. The compounding benefit of earning points through your standard member rewards program and now a hotel rewards credit card from the same chain will get those points rolling in on the double.

Your points can unlock free accommodation, luxurious upgrades, exclusive member advantages and so much more.

American Hotel Rewards Cards

The links below will drive right to the comparison charts that highlight the benefits, reviews and value of the different hotel rewards credit cards.

• ValuePenguin
• Card Ratings

After going through a ton of these travel hacking resources, I found one consistent inclusion for a hotel rewards card in the States – the Chase Marriott.

Note: these offers, bonuses and rewards are always changing from the different credit card providers, so be sure to check their website for the most up to date details.

Highly Recommended Hotel Rewards Card: Chase Marriott Rewards Premier Credit Card

• 100,000 bonus points after spending $5,000 in first 3 months
• Enjoy 1 Free Night Stay at a Category 1-5 hotel every year
• Earn 6 points per $1 spent at participating Marriott Rewards & SPG hotels
• 2x points on airline tickets purchased directly with airlines, car rental agencies & restaurants
• 1x point on all other purchases
• $95 annual fee

Canadian Hotel Rewards Cards

Unfortunately the offerings in Canada aren’t as extensive as the American hotel rewards cards. However, here is one specific card that get positive reviews and offers good value – the SPG AMEX.

Highly Recommended Hotel Rewards Card: Starwood Preferred Guest Credit Card

• New Starwood Preferred Guest®* Credit Card from American Express Cardmembers, earn 50,000 bonus points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership.*
• Earn 5 points for every dollar in eligible Card purchases at participating SPG®* and Marriott Rewards®* properties.*
• Earn 2 points for every $1 in all other Card purchases.*
• Receive an Annual Free Night Award at eligible hotels and resorts worldwide every anniversary*
• No annual fee on Supplementary Cards.
• Redeem points for free nights with no blackout dates at over 6,500 of the world’s most desired hotels.*
• Automatic Silver Elite status membership

Airline Rewards Credit Cards

Most of the major airlines offer a credit card with a partnered financial institution. Similar to our hotel rewards credit card, doubling this up with your already existing airline rewards program card puts your points accrual on the fast-track.

Based on where you live, the most beneficial card for you could depend on whether that airline flies frequently from your closest airport.

American Airline Rewards Card

These links will drive you right to the comparison chart for different airline rewards cards to once again highlight the benefits and overall value for each option.

• Value Penguin
• Card Ratings

The pound for pound champ seems to consistently be Southwest as the holy grail of airfare travel hacking is securing that Southwest Companion Pass. Here is a post by The Points Guy on How To Earn The Southwest Companion Pass This Year.

Note: these offers, bonuses and rewards are always changing from the different credit card providers, so be sure to check their website for the most up to date details.

Highly Recommended Airline Rewards Card: Southwest Rapid Rewards Premier Credit Card

• Earn 60,000 points after you spend $3,000 on purchases in the first 3 months
• 6,000 bonus points after your Cardmember anniversary
• 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
• 1 point per $1 spent on all other purchases
• No blackout dates or seat restrictions
• No foreign exchange fees
• Bags fly free and no change fees

Canadian Airline Rewards Cards

Highly Recommended Airline Rewards Card: BMO AIR MILES World Elite Mastercard

• 2,000 Air Miles after your first purchase
• Earn 1 reward mile for every $10 in credit card purchases, everywhere you spend*
• 15% Flight Discount on all AIR MILES flights in North America with no blackout periods
• $0 annual fee 1st year ($125 after that)
• Earn 2x miles when you use AIR MILES Mastercard and show your AIR MILES Card
• Exclusive VIP access to airport lounges worldwide (2 annual complimentary passes at $150 value)
• BMO Concierge Service
• Extensive travel insurance & purchase coverage

Discount Airfare & Hotel Aggregators

There are some amazing flight and hotel aggregating services on the Internet to help us sniff out the most optimal flight and accommodation deals for our travel hacking efforts.

There are a dozen more services just like the above out there. Whenever searching for flights and hotels, check multiple websites and make note of the prices. They will vary from site to site and that extra effort of a few minutes searching might save you $100+++ easily.

Special Canadian Discount Airfare Shoutout

Y Deals runs a different website, newsletter and Facebook group for each (most) of the major cities and airports across Canada.

It’s an amazing resource!  You will get an email or notification when any of those amazing deals and anomalies come to the marketplace.

Budget Accommodation

If you’re looking to maximize your budget, you can go the route of budget accommodation. If cost and inventory permits, I generally try to go the Airbnb route for my own travel accommodation needs.

Digital nomads and travel hackers alike leverage resources like the below to stretch their dollars out.

• Airbnb
• VRBO
• Hostelworld
• CouchSurfing

While the travel rewards points you’ve accrued won’t be applicable to these budget accommodation options, it’s often more effective to use those points elsewhere in your travel hacking journey if you can score a deal.

If you are new to Airbnb, you can use my link to get $45 in free travel credit for your first trip! No strings attached, $45 off your accommodation costs to enjoy your summer fun.

Partner Crossover Programs & Additional Point Providers

To help create mutually beneficial relationships and cross-brand loyalty, some airline and hotel providers offer crossover benefits to their members. It’s just another one of the many travel hacking resources to be aware of in order to maximize your overall travel value.

Starwood Preferred Guest & Delta SkyMiles

SPG & Delta have teamed up to provide their members with crossover points earning opportunities.  Fly with Delta, earn SPG points. Stay with SPG, earn Delta points.

Plus you’d still be earning your standard points from the provider you’re booking with. Plus the points from whatever credit card you are using to purchase the service.

Marriott Rewards & United Mileage Plus

In the same vein as SPG & Delta above, Marriott & United have joined up to give members the opportunity to drive higher rewards points. 

Additional Points Providers

Some online flight and hotel aggregator services tie their booking systems to various rewards programs providers to entice users. If you register an account with them and use their platform to make a reservation, you’ll earn additional bonus points.

• Rocket Miles
• Points Hound

Travel Hacking Websites, Blogs & Forums

The power of the Internet and online communities have made accessing travel hacking resources easier than ever before. Some sites specialize in credit card rewards systems and others have mastered the art of digital nomadism.

Either way the net result for us is a ton of information on travelling more for less.

Choose FI Blog Series

The first thing I would recommend reading for any beginning travel hacker or someone looking for a specific system, would be this 3-part blog series.

• Travel Rewards | Part 1 :Travel The World for Free An Introduction
• Part 2 : The Chase Gauntlet | Card Opening Strategy
• Part 3 : Sweet Redemption

Travel Hacking Websites & Blogs

There are a TON of great blog posts, articles and resource guides on each of the properties noted below. From the beginner travel hacker to expert churner, all of these websites have classic cornerstone posts, resource guides and stories to help you travel more for less.

• Travel Is Free
• The Points Guy
• Nomadic Matt
• Frugal Travel Guy
• Never Ending Voyage
• Million Mile Secrets
• TripHackr
• Flyer Talk
• Point Chaser
• View From The Wing
• Travel Hacking Cartel (**paid membership)

Travel Hacking Discussion Forms

• Flyer Talk Forum
• InsideFlyer Forum

Canadian Travel Hacking Websites & Blogs

• Canadian Travel Hacking
• Points Nerd
• Young And Thrifty Travel Category Posts

Additional Travel Hacking Articles & Resources

• Jason Steele: Credit Card & Travel Journalist
• Zero To Travel: 13 Ways Travel Hackers Can Meet Their Minimum Spend Requirements
• Seat Guru: Find Seat Maps For Your Flight
• Rockstar Finance: Travel Hacking Blog Directory

Travel Hacking Podcasts

There have been some great interviews and discussions regarding travel hacking. The tips, resources and first-hand knowledge you gain from sitting in on these interviews or discussions are so valuable.

Travel Hacking Podcast Episodes

I’d recommend the 4 episodes below as stalwarts for initial travel hacking resource listening.

• ChooseFI Podcast – Travel Rewards How To Travel The World For Free (The Easy Way)
• ChooseFI Podcast – Travel Rewards What Comes After The Chase
• The Mad Fientist Financial Independence Podcast – Travel Miles 101
• Zero To Travel – Free Travel Hacking Guide

Travel, Budget Travel & Travel Hacking Podcasts

I included the podcasts below in my Top 75 Podcasts To Help Improve Your Life, Finances, Business, Health & More post. Each has an extensive library discussing all things travel.

• Zero To Travel
• Extra Pack of Peanuts
• The Budget Minded Traveler
• Pursuing Points

In Closing…

This is only scratching the surface of all the travel hacking resources available to us. The amount of content and information available on every aspect of travel to all corners of the globe is overwhelming.

I am just glad I live in a time where the possibilities to travel more for less and explore this beautiful world are accessible.

What resources have I missed? Please let me know in the comments below, I will update the post to ensure this includes the most pertinent information on travel hacking.

What travel hacking resources have delivered the biggest value for you? Comment below to hopefully get others on the same path.

Let’s get out there and adventure!

Here are some other posts to help you take control of your money and life:

• 15 Smart Money Moves You Can (Easily) Make This Month
• Calculate Your Net Worth – Why Do It And How To Track It For Free
• The Personal Finance Resources And Content That Saved My Life
• Understanding Your Credit Score And How To Check It For Free
• 6 Tips To Help Create Accountability With Your Personal Finances
• 35+ Rewarding Side Hustles Anyone Can Do To Earn More Money