{"id":28007,"date":"2023-06-27T05:10:13","date_gmt":"2023-06-27T09:10:13","guid":{"rendered":"https:\/\/ifintechworld.com\/news\/how-couples-can-turbo-charge-points-and-miles-by-planning-together\/"},"modified":"2023-06-27T05:10:14","modified_gmt":"2023-06-27T09:10:14","slug":"how-couples-can-turbo-charge-points-and-miles-by-planning-together","status":"publish","type":"post","link":"https:\/\/ifintechworld.com\/?p=28007","title":{"rendered":"How couples can turbo-charge points and miles by planning together"},"content":{"rendered":"
\n

This <\/em>article<\/em> is reprinted by permission from <\/em>NerdWallet<\/em>.\u00a0<\/em><\/p>\n

Collecting travel points and miles on your own can be rewarding. However, you can potentially double your earning power \u2014 and opportunities to get cheaper hotel rooms and flights \u2014 by entering\u00a0two-player mode.<\/p>\n

Whether you\u2019re just getting started or trying to level up your strategy, here are seven tips for how couples can work together to earn points and miles.<\/p>\n

\n

1. Set goals from the start<\/strong><\/h2>\n

If you\u2019re reading this, odds are that you\u2019re more excited about points and miles than your spouse. If that\u2019s the case, don\u2019t start by handing them a stack of credit cards with instructions on which card to use and where. Instead, start by talking with your partner about your shared travel goals.<\/p>\n

It could be planning a family vacation together, taking that Instagram-worthy anniversary trip or simply traveling to see friends without breaking the bank. Once you can show them how\u00a0points and miles\u00a0can help you achieve your goals, working toward them together is much easier.<\/p>\n

Related<\/strong>: Try this 3-step credit card review to maximize your rewards and save even more<\/p>\n

2. Keep it simple for inexperienced partners<\/strong><\/h2>\n

Does your partner wince at the idea of juggling a bunch of credit cards? If you want their buy-in, make it as simple as possible to start and then ramp up from there.<\/p>\n

For your first credit card, get a travel credit card that earns rewards on everyday spending, too. Look for cards that offer bonuses for common categories such as restaurants, gas or groceries. A card that earns transferable points (points you can transfer to airline or hotel partners) often offers the most flexibility.<\/p>\n

3. Get out of credit card debt<\/strong><\/h2>\n

While this may seem obvious, it\u2019s often glossed over in discussions of earning rewards. The first step to any points and miles strategy is to pay off outstanding credit card debt.<\/p>\n

Even if you don\u2019t combine finances, talk honestly about your financial situation with your partner. A\u00a0recent NerdWallet survey conducted by The Harris Poll\u00a0found that 34% of married Americans with credit card debt say their partners don\u2019t know how much they owe on their cards. If you want to collaborate on a points-and-mile-earning strategy, you need to break the silence.<\/p>\n

If either of you is carrying a credit card balance, now\u2019s probably not the time to explore rewards credit cards. Instead, develop a plan to\u00a0pay off your outstanding balances\u00a0first. Then focus on rewards cards.<\/p>\n

Read<\/strong>: Banks are raking in billions from overdraft fees, despite stricter regulations. Now for the good news.<\/p>\n

4. Celebrate an early win<\/strong><\/h2>\n

There\u2019s nothing quite like the thrill of taking a nearly free trip. Keep your motivation going by booking a trip early in your points and miles journey.<\/p>\n

\u201cSometimes you just need to take your first flight and experience the benefits of earning credit card points yourself, rather than reading or listening about them secondhand,\u201d recommends Brighton Lui and Mila Temnyalova of the @themilescouple on Instagram.<\/p>\n

This may not be the trip of your dreams quite yet. However, even a short trip can confirm that the hassle is worth it. Just make sure that this trip won\u2019t hold you back from your larger goals.<\/p>\n

Related:<\/strong> Cash-back vs. travel-rewards: Which credit card gives you the most bang for your buck?<\/p>\n

5. Be deliberate about when you add authorized user cards<\/strong><\/h2>\n

Don\u2019t automatically add your spouse as an authorized user when you apply for a new card. It may make them ineligible to open new cards if they\u2019ve already opened several new cards over the past two years.<\/p>\n

Instead, carefully consider when you should add an authorized user \u2014 whether that\u2019s to meet the spending requirement for a bonus or for the perks.<\/p>\n

If you and your partner will have no problem meeting the spending requirement, a better option is to use your personal referral code to refer your spouse. You\u2019ll receive bonus points for the referral and your spouse will be able to earn the sign-up bonus separately, doubling the amount of points you\u2019ll have in that program.<\/p>\n

6. Focus on earning points that either partner can use<\/strong><\/h2>\n

Airline and hotel rewards credit cards can offer lucrative bonuses and cardholder perks. However, hotel points and airline miles generally can\u2019t be transferred to another member \u2014 at least without prohibitively expensive fees.<\/p>\n

Meanwhile, most credit card rewards programs (e.g.,\u00a0AmEx
\n AXP,
\n -0.57%<\/bg-quote>
\n Membership Rewards,\u00a0Chase
\n JPM,
\n +0.24%<\/bg-quote>
\n Ultimate Rewards) let you transfer credit card points from the primary cardholder to authorized users or another cardholder in the same household. This gives you more flexibility when it comes time to redeem your points and miles.<\/p>\n

Be sure to read: <\/strong>Want to book a trip? Lots of luck using your travel rewards.<\/p>\n

7. Align with existing perks and elite status<\/strong><\/h2>\n

Lean into existing strengths when deciding which partner should hold which card. Say you often\u00a0fly Delta
\n DAL,
\n +0.65%<\/bg-quote>
\n \u00a0for work travel. Consider getting a Delta co-branded card that you can use to earn bonus elite miles and earn a spending waiver toward\u00a0Delta elite status.<\/p>\n

Meanwhile, your partner could get a credit card that grants\u00a0hotel elite status.<\/p>\n

More From NerdWallet<\/strong><\/p>\n

JT Genter writes for NerdWallet. Email: travel@nerdwallet.com.<\/em><\/p>\n<\/p><\/div>\n<\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

This article is reprinted by permission from NerdWallet.\u00a0 Collecting travel points and miles on your own can be rewarding. However, you can potentially double your earning power \u2014 and opportunities to get cheaper hotel rooms and flights \u2014 by entering\u00a0two-player mode. Whether you\u2019re just getting started or trying to level up your strategy, here are […]<\/p>\n","protected":false},"author":1,"featured_media":28008,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[236],"tags":[83],"class_list":["post-28007","post","type-post","status-publish","format-gallery","has-post-thumbnail","hentry","category-news","tag-featured","post_format-post-format-gallery"],"yoast_head":"\nHow couples can turbo-charge points and miles by planning together | iFintechWorld<\/title>\n<meta name=\"description\" content=\"This article is reprinted by permission from NerdWallet.\u00a0 Collecting travel points and miles on your own can be rewarding. 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