Credit Cards

Last year over fall break, we took a little trip up to Toronto and Niagara Falls with the kids! It was so much fun visiting Canada for the first time ever, and we packed a lot into 3 days!

I’ll elaborate…

Getting there

We drove up 3 hours to Detroit and crossed the border into Canada there. The kids did not need passports, just their birth certificates. The hubs and I did have to have our passports though. The was the kids first time in another county! They were super excited, and this is why we decided to do a trip to Toronto and Niagara Falls with the kids because it was an easy way to let them experience a different country. We arrived in Toronto in the evening and drove straight to our Airbnb (referral link…I’ll get some credit if you book through my link.) condo. The host met us outside the building and showed us where to park and took us up to the condo. It was great! We had an amazing view of downtown Toronto and the CN Tower from our balcony.

Toronto

We had one day to spend in Toronto, so I wanted to cram as much in as possible. Are you catching a theme here? This is how I tend to do vacations! I signed us up for a free walking tour of the city with the Tour Guys. We walked through the Toronto PATH which is their underground system of tunnels to the old city hall where we were to meet our tour guide. We chose the Old Town History tour. Our guide was wonderful and we learned so much about the city and saw some great sites! The tour ended at the historic St. Lawrence market where we ended up eating a delicious lunch.

From there, we went to the ferry terminal to catch the ferry to Toronto Island, which is a group of islands that sit in front of Toronto Harbor. Since we were there in October, most of the activities were already closed, but the petting zoo was open. We had fun seeing the animals and gorgeous views of the city and Lake Ontario. The kids loved riding the ferry. We didn’t stay too long since it was colder on the island.

Once we arrived back on the mainland, we walked to the famous CN tower and got tickets to go up to the top. The views were beautiful and the kids loved the glass bottom floor! At this point, we had walked about 7 miles and we were freezing! From the CN Tower, we headed back to the condo and ordered pizza! It was 7pm, and we were tired but we sure saw a lot!

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Niagara Falls Canadian Side

After a great nights sleep, we woke up and drove 2 hours to Niagara Falls. I had always heard that the view is better from the Canadian side. Well, that is absolutely true. The three different falls flow towards the Canadian side. So, to see them in their magnitude, you really can only do it from the Canadian side. There is a park that you can stop in and a visitor center with a gift shop and restaurant on the Canadian side that is on the opposite side of the falls. We stopped here to shop and take pictures and to just stand in awe! It was our first time here, and it was incredible!

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Niagara Falls American Side

Then, we crossed the border back into the US. You know from previous posts like this one that I love paying for travel with credit card points! One of the hotels that was in walking distance to most of the Niagara Falls sites was the Hyatt Place. It’s only .3 miles from the dock of the Maid of the Mist boat ride and visitor center. It was $260 per night plus $50 parking. However, it was only 12k points per night which is the equivalent of $120! So, I transferred 12k Chase points to my Hyatt account and booked the room! I was able to do this since I have a Chase Sapphire Preferred credit card which allows you to transfer points to their travel partners. When we checked in, they comped our parking since we paid with points! I love saving money!

Niagara Falls is actually a state park. So, to start our exploring, we began at the state park visitor center. There, you can buy the pass that lets you do the 5 main attractions. It includes a movie (shown in a theater at the visitor center), Maid of the Mist boat ride up to the falls, Cave of the Winds, the aquarium, and the discovery center. The Maid of the Mist was absolutely amazing. You get so close to the falls. The best thing from the American side of the falls, is that you feel the power. There are overlooks that take you right up beside them. So, I recommend seeing them from both sides. The aquarium and discovery center were not that impressive, but the pass is cheaper than buying all the tickets separately and it gives you access to the trolley that takes you to the island where you do Cave of the Winds. All in all, we loved it. Since we were there in October, there weren’t huge crowds at all and we never had to wait in line. It was a nice day and we only needed a light jacket. The falls are truly so magnificent that you definitely need to see them at least once in your life!

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Or how Ellen discovered travel hacking and saved over $2,000 this year traveling with her family of six for free!

(Disclosure: This post will contain links to the credit cards I mention and I will get a referral bonus if you sign up with my link. Links are in red. It’s no added cost to you and just helps me keep traveling on the cheap!)

I’ll elaborate…

Where it all began

In January of this year, I read an article in Money magazine about travel hacking. Sounds illegal, right? Well, it’s not! It simply refers to using credit card points from sign-up bonuses and and maximizing each card’s bonus categories to travel for free by using points to pay for travel expenses. The article was about a guy who has made this his business. He has an entire website (10x Travel) and a Facebook page dedicated to teaching others how to use credit card points to travel for free. He also has 20+ credit cards! Say what? What about Dave Ramsey? Credit cards are evil! Well, used responsibly, they can be pretty awesome and they open up the ability to travel more because many of the expenses can be covered by points! And, since it’s expensive doing anything as a large family, I figured that if I could learn how to get our family of six to travel for free? Sign me up!

A Caution

Now, I will say, if you don’t have the discipline to pay off your credit cards each month, then quit reading. Flee now. This is not for you. You will dig a hole for yourself and make the whole awesomeness of points not worth it because you’ll waste money paying crazy high interest fees. So, just don’t go there. This only works if you are mature and disciplined to pay your credit cards off each month. And, don’t spend more than you have! Treat your credit cards like they are debit cards. Okay, moving along now to the good stuff and what makes me giddy!

Getting Started

Despite my husband’s skepticism, but with his permission, I jumped in! And, if you know me, you know that I am physically unable to do anything halfway. I go a little overboard in anything I do. So, I read and read and read and then, I read some more on various websites about this. Do your own research before you start! I learned so many things! I learned that opening a lot of credit cards does not lower your credit score. It may drop it a little initially from the bank doing a credit check but it will bounce right back within a few weeks. I learned that Chase cards tend to be considered the best cards in the market because they have excellent sign-up bonuses. However, Chase has a rule called the 5/24 rule. This means you cannot open more than 5 cards (any cards, not just from Chase) in a 24 month period. So, you need to plan strategically and not just start opening cards willy-nilly! So, don’t do that! Research and develop a plan! Avoid the temptation at Lowe’s or other stores who try to talk you into opening store cards. This takes a valuable spot and doesn’t give the value other cards will!

So, what was my strategy? After lots of research, I decided I wanted my first card to be the Chase Sapphire Preferred. Why? Because the Chase Sapphire level cards allow you to transfer points to their transfer partners, two of which include Hyatt and Southwest. Most of the research I read frequently listed that Hyatt gives you the best bang for your buck on points for hotels. And, you know how much I like a deal. They also have the Hyatt Place brand which has rooms with an occupancy of 6, and they have free breakfast.

We’ve had a cashback credit card for over six years. It has been our only credit card. We always thought the best thing to do was to redeem the points for statement credit every Christmas. And, it was nice to get $600-$700 back every year during an expensive month. But, if points could pay for travel we are already doing, and go further than that $600-$700, then why not explore that?

The Chase Sapphire Preferred currently has a $95 annual fee and you get 60,000 points if you put a $4k minimum spend on it within 3 months. You get 3% back at restaurants and 2% on travel. Chase also, according to the articles I read, has the most generous travel categories. Tolls, parking garages, hotels, flights, etc. all count as travel. It even counted our 5 days in the cheap airport parking lot at the Cincinnati airport recently. You get 1% back on everything else. That 60k points could be redeemed for $600 of statement credit. But, if you redeem them for travel, you will get much more value. For example, many Hyatt Places are between 5k and 8k points per night. You could potentially stay TWELVE nights with that 60k points for FREE. The average cost for a Hyatt Place is $100-150 per night! And, transferring points is easy and takes less than 5 minutes and points are instantly available. But, you must have a Sapphire level card with Chase in order to transfer to travel partners. There are a whole host of other benefits of the card as well like no foreign transaction fees (which saved me about $50 recently on a trip to Canada), trip cancellation/delay insurance, lost baggage reimbursement, and more. The benefits far outweigh the $95 annual fee. You also have the ability to combine points among your various Chase cards. I can move points from my Freedom card to my Sapphire card to use for travel expenses. You could also transfer them to Southwest which goes a long way as well! We haven’t paid to fly in 3 years!

Let’s see if I can convince you. These trips that I mention below were already scheduled travel that we were able to use points to alleviate a lot of the cost which freed up money to use elsewhere…like savings!

Money Saved This Year

• Birmingham–I wrote a blog post about our trip here. But, essentially I used 10k points and saved $300 for two nights at a Hyatt Place.

• Denver–I transferred 20K points which is the equivalent of $200 to pay for all 6 of us to fly to Denver on Southwest. With all the taxes, it was going to cost over $350. But, when you pay with points, all you pay is the 9/11 tax of $5.60 per person. So, I saved a little over $150, but it felt like more since I used points and didn’t feel the sting at all except for $30 in taxes. I put the taxes on my Sapphire card to ensure that if our baggage was lost or trip cancelled that I could get Chase to cover it! For our hotel, we stayed 5 nights at a Hyatt Place in Denver. It was 8k points per night. Cash price was $140/night plus taxes. I simply transferred 40k points with a few clicks and booked our rooms. You don’t pay taxes on hotel rooms that you pay for with points! If I had redeemed those 40k points for $400, it wouldn’t have come close to covering our stay, which with taxes would have been over $700! And, we got free breakfast each morning. We were in Denver to attend a former student’s wedding and decided to go for a few extra days. All in all, I took 60k points and stretched it out to cover $1050 worth of expenses! It was also an amazing trip and we can’t wait to go back to the mountains!

• Niagara Falls-Hotels there are pricey. I wanted to be within walking distance of all the attractions since my parents were going to be with us. The Hyatt Place is 0.3 miles from the dock of the Maid of the Mist boat ride and less than a 15 minute walk from the other attractions. It is a Category 3 property which meant it was 12k points per night for a room. The cash price when we were there was $267/night! I booked 2 rooms and used 24k points. Normally I would have never even considered a hotel this expensive because I’m a cheapskate, but it was so conveniently located and well worth it since it cost me nothing! For the equivalent of $240 in points, I still paid less than the cost of one room and I didn’t have to worry about the logistics of being at a hotel that wasn’t within walking distance. Also, when I checked in, they comped my parking since I paid with points. This saved me another $100 since parking was $50/day. So, 24k points saved me more than $600. My family of six traveling for free was awesome, but I was also able to give my parents an amazing time as well!

Which Cards I Use and When

I opened the Chase Sapphire Preferred in February. Then, in April, I opened a Chase Freedom Unlimited. Why? Because it gives you 1.5% back on all spending, 3% back on restaurants and drugstores, and has no annual fee. I can also move the points from this card to my Sapphire card which then can be used for travel! So, this is my everyday spending card since it earns more than just 1%. By using a combination of the these 2 cards, you can really maximize your point earning potential for travel expenses!

And, finally…

There is so much more to say. I’ve really only hit the surface of the travel hacking world and my current strategy for earning. My Chase status is only 3/24. I will be filling the last two slots in the next few months as I open some Southwest airline cards in order to attain the Companion Pass (for now Google it, I’ll do a blog post on this eventually!). I haven’t yet delved into the world of American Express, Citi, or Capital One cards! But, there are some awesome sign up bonuses and different travel partners for them! That may come eventually, but I’m not in a hurry. For now, I’m going to keep my current card strategy going because I plan on my family of six traveling for free again next year, hopefully with one of us flying free with the Companion Pass! I’d love to answer any questions you might have, so leave me some comments! And, if you are intrigued and want to get started, I’d love for you to use my links! Thanks for sticking with me!

Things to do in Birmingham, AL with kids on the cheap.

I’ll elaborate…

One of my very favorite things to do is to explore a new city.  I like to do all the touristy stuff and see things that maybe aren’t as popular or well known.  And, with a family of 6, I like to keep it fairly cheap!  We stopped in Birmingham for 2 nights on our way to Destin this year.

On our way down, we stopped in Huntsville, AL to go to the US Space and Rocket Center. I have to say, it was pretty awesome. This is where the super smart people in the 1960’s figured out how to use rockets to propel us into space. The kids had a blast riding in the simulator, doing the Mars climbing wall, and riding the outdoor rides which are all included with admission. If you have a local science center membership, you can get in free! Saved us $100!

The next day, we went to see the Vulcan Statue which is the largest cast iron statue in the world and overlooks the city on a small mountain. There is a small museum that tells the history of Birmingham. They have a fun little scavenger hunt for kids to do of things to find in the museum. Then, you can take an elevator about 4 stories up to walk around the base of the statue and see amazing views of the city. This cost us about $26 for all of us and was worth it for the view alone.

Then, we drove over to The Southern Flight Museum, mainly because we could get in free with our science center membership card.  It was pretty interesting and had lots of planes, helicopters, engines, and flight simulators.  The kids had a good time and I’d say it was worth it to do once. 

Next, we went downtown to the McWane Science Center.  Again, we got in free.  This place was huge!  It had 4 floors of exhibits to explore and a pretty good food court.  We spent about 3 hours here. 

Then, to end the day, we wanted to go to the park that commemorates some of the civil rights history of Birmingham. Its called Kelly Ingram Park and it is right across the street from the 16th Street Baptist Church where 4 girls were killed in a KKK bombing in 1963. We had learned about this at the Civil Right Institute in Atlanta so it was interesting to see it in person. The park also had many statues depicting some of the horrors that occurred during that era.

The next day, we stopped in Selma, AL to see the bridge where the march to Montgomery began and to learn about the first attempt to march called Bloody Sunday. The National Park System has 2 interpretive centers to visit to learn about what happened. One is in Selma and depicts the violence towards the peaceful protesters from the police. It was hard to see some of the pictures and how awful people could treat other human beings. The other interpretive center is halfway to Montgomery and teaches about the Voting Rights Act.

All, in all, we learned a lot and enjoyed seeing new things before our week at the beach began!

Here’s where I get really excited about our trip though. We stayed at a Hyatt Place in Hoover, AL near the Galleria. We stayed for FREE with points that I transferred from my Chase Sapphire Preferred Card to my Hyatt account. This took 1 minute of my time to do! It’s that easy. The hotel would have cost us $300 after taxes for 2 nights. Instead, I used the equivalent of $100 worth of points for 2 nights! ****I saved $200***You must have a sapphire level card from Chase to transfer to their travel partners. Here is my referral link if you’re interested in the Chase Sapphire Preferred (Disclosure: I get 15,000 points per referral up to 5 referrals per year). I’ll briefly mention that I just booked flights to Denver for a trip in September on Southwest using Chase points that I transferred (saved $150). And, I transferred points to Hyatt to cover the 5 nights at our hotel (saved $155). This makes me so happy! 🤗🤗