Fly for Free: The Beginner’s Guide to Traveling For Less

It’s not that hard to fly for free.

Most people know that you can book a free flight by using frequent flyer miles. And if you have enough frequent flyer miles, then you can even fly first class for free.

Of course, the only problem is that it’s really hard to accumulate a lot of miles by flying.

Thankfully, you can earn hundreds of thousands of frequent flyer miles and bonus points simply by signing up for credit card bonuses.

Credit card bonuses are such a good travel deal that we wanted a way to stay up–to–date on all of the deals for getting frequent flyer miles, free hotel stays, rewards points, and so on.

That’s why we started The Credit Card Fly.

You can sign up for The Credit Card Fly below and we will send you a simple list of the best deals right now and we will notify you when great offers are expiring so that you don’t miss out.

The best part? The Credit Card Fly is a totally free service! Enter your email below and give it a try.

Doesn’t getting more credit cards hurt my credit score?

Now, if you’re like us, the first question you have is, “Sounds great, but won’t that ruin my credit score?”

Actually, no. Allow us to explain the full story of why this free travel strategy works…

The credit card industry is extremely competitive and credit card companies are willing to offer you frequent flyer mile bonuses if you sign up for their card.

This strategy works so well for getting frequent flyer miles that a group of people called credit card “churners” have used it to apply for more than 10 credit cards at once and earn more than 1 million frequent flyer miles in a single year. With that many miles you could literally fly around the world multiple times!

These travelers apply for card after card and churn through as many applications as possible. Then, they spend the minimum amount needed to get the frequent flyer mile bonus (for example, $1,000 in 3 months) and move on to the next card.

Obviously, you might not start off that extreme, but even getting 2 or 3 new cards can give you a big boost in frequent flyer miles.

The truth about how your credit score actually works

Applying for new credit cards actually helps your credit score in one way and hurts it in another. But if you do it right, then your credit score will actually increase with new cards.

Here’s the deal: when you apply for a new credit card there is an inquiry on your account. New credit inquiries usually drop your score by a few points, but new inquiries only make up about 10% of your overall credit score, which means the drop is small. As a general rule, if your credit score is above 700, then you’re in very good position and have nothing to worry about when it comes to this initial drop. If you want to play it safe, then a credit score above 720 is even better.

Here’s the good news: a new credit card can increase your credit score because it will likely help your credit utilization ratio.

Here’s an example of how credit utilization ratio works. Let’s say that right now you are spending $3,000 per month and your total credit limit is $10,000. In this case, your credit utilization ratio is 30% ($3,000/$10,000).

Then, let’s say that you sign up for a new credit card and your overall credit limit increases to $15,000. Now your credit utilization ratio drops to 20% ($3,000/$15,000).

A lower credit utilization ratio helps your credit score because it shows that you are responsible and that you are more likely to stay within your spending limits.

Remember, at The Credit Card Fly we only apply for new cards to get the frequent flyer miles, which means your spending habits should stay about the same. This is because you simply want to spend the minimum amount you need to get the free points (usually about $1,000 in the first 3 months) and then cancel the card a few months later.

For this reason, many credit card churners actually see their score increase over time. Some of them have more than 12 credit cards and still maintain excellent credit scores above 780.

The #1 rule of using credit cards for miles

No matter what your credit score is or how many cards you have, just remember one simple rule: don’t carry a balance on your card.

If you pay your credit card off each month, then your credit score will be fine, you won’t build up any debt, and you can freely enjoy the massive travel perks of credit card bonuses. Do that one thing and you can enjoy free flights for many years to come.

Sign up below and we’ll send you the best deals right now. Here’s to free travel.