Money Fitness Journey

    • Credit Card Hacking Volume One

    It’s been pretty quiet on my blog lately. I have taken an absence from writing for a couple of weeks. I have had so much going on in my life I really had very little time. Well, I’ll probably be covering this soon in another post, so let’s dig into the good stuff.

    I have decided to get my next credit card to hack some free stuff. I went with the Amazon Prime Rewards card. Now some people might be asking “why did I go with this card?”. I will admit in the big scheme of things it is not the best bang for my dollar as far as credit card hacking goes. Actually, this is now my third card as far as credit card hacking goes. I decided to go with this card for a few reasons. The first being that I have no real trips planned out as of now. So I really did not need any more travel points as of now. Mind you I still have 76,000 UR points with Chase and 51,703 points with American Airlines. Which reminds me I need to do a post on my credit card hacking tracker and just where I am at and my overall ROI. Oh and my tracker for this is as far from fancy as one can get. My second reason is I am starting to need to buy new uniforms and items to go with those uniforms for an upcoming school. Well, It just so happens that this credit card had a bonus of a $70 gift card and a no spend requirement. Lastly, it has no annual fee and get’s me 5% back on all Amazon purchases.

    So let’s cover that again.

    1. $70 Amazon gift card
    2. No spend requirement
    3. No annual fee
    4. 5% back on all Amazon purchases

    I’m still trying to figure out what’s not to love about this card. Yea it’s not your fancy spend $3,000 and get 50K bonus miles or points. Yet it’s a very simplistic card with a very solid amount of pros with no cons to it. I must admit credit card hacking has been more simplistic than I ever imagined it would be. It has had a huge impact as far as an ROI goes. To me, it’s just such a simple way to get some free stuff or a very reduced cost. It has been a great tool I have added to my FI toolbox so to speak. I will be putting out more content on my experience as time goes with credit card hacking. The goal is always to optimize my life as much as I can even if only marginally at a time.

    Hopefully, everyone enjoyed the short read.

    FIRE HACKS

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    My favorite free financial tool to manage my net worth is Personal Capital. You get a $20 Amazon gift card for signing up. 

    My favorite free investing platform is M1 Finance. You get $10 for signing up. No trading or management fees plus you can buy fractional shares. 

    My favorite Credit Card Hack is American Express Platinum, Hilton Honors Aspire, and Bonvoy Brilliant AMEX. So far they paid me over $2,200 this year to use these cards. 

    My favorite phone service is Mint Mobile. You get a $15 renewal credit for signing up. I get a year of phone service for a rock bottom price of $240. As a guy who travels and lives in an RV full-time, this service has been amazing.