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6 All-Time Favourite Credit Card Hacks

6 All-Time Favourite Credit Card Hacks

Whether you’re looking for free travel, low rates or awesome benefits, there’s a credit card hack for you. However, with so many credit cards tips and tricks to choose from, we wanted to zero in on the 6 with the biggest impact.

With increasing competition, credit card companies are constantly improving their credit card offers to attract new customers. Don’t hesitate to exploit their offerings to your advantage. Go with the card that gives you the most.

With that said, here are our 6 all-time favorite credit card hacks:

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1. Fly-Free Sign-Up Bonus Churning

Credit card companies offer more value to lure you in the door, than at any other time. Take advantage. Why spend $40,000 on your credit card to earn 40,000 points, when you can earn 40,000 points simply for applying for a new one?

In fact, we recommend churning as many credit cards as you can, to earn the most amount of points in the shortest period of time. Churning is simply the practice of opening a new credit card, qualifying for the welcome bonus, using the points, canceling the card and doing the same process over and over again.

2. 0% Balance Surfing

Paying interest on your credit cards is a choice. With a little effort, you can easily find a promotional 0% interest rate for 12 months or more!

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If you currently have high-interest credit card debt, find a balance transfer credit card with a 0% rate. Then transfer your high-interest credit card debt to your low-interest balance transfer card. Before the expiry of your 0% promotional rate, find another credit card offer with a 0% rate and do the same thing all over again. Surfing from one low rate to another is a time-tested hack.

3. Annual Companion Airfare Vouchers

Imagine if you could use your welcome bonus points to fly free, and then use a companion voucher to fly your spouse on the exact same itinerary as you, for $120!

Some cards offer an annual flight companion voucher, just for keeping your card open. Every year you keep your card, you get a voucher, mo minimum spend required. You can then use the voucher, usually for around $120, to fly your companion round-trip to anywhere in North America, saving you hundreds of dollars in airfare.

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4. Free Baggage

Ten years ago, we never thought about our bags. Now airlines are charging us every which way but Sunday in an endless stream of add-on pricing. Bags are no exception, costing us as much as $35 each way to check-in our bags. If you have a family of four, you could easily spend $280 ($140 each way) on baggage fees alone each trip!

Many credit cards now offer free first checked bags. However, some even offer free checked bags for the primary cardholder and up to 8 traveling companions. Just make sure that when you see a credit card offer free checked bags, you understand whether it’s on any of the airline’s flights, or only on those you redeemed miles for.

5. Cheap Foreign Exchange

Foreign exchange can be really expensive when traveling out of the country. Exchanging your money at an airport, hotel or touristy currency exchange booth is out of the question – it can easily cost you upwards of 10%.

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Credit cards can actually offer some of the most competitive exchange rates available. If you get a credit card with no foreign transaction fees, you’ll typically pay less than 1% to exchange your money – a lot better than what you’ll get from your bank if you exchanged your money in the branch.

6. Never Be Late Again

Late payments not only ruin your credit score, they can cost you $30 or more each and every time. Even though most of us have the money to pay our credit cards on time, many of us are late simply because we’re forgetful. Here’s a tip to guarantee on-time payments.

Simply pre-authorize payments to your credit card from your bank. You can choose to automatically pay your minimum payment due, or the entire balance. Obviously, we would recommend you choose to pay your entire balance, to avoid accumulating any debt whatsoever.

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Marc Felgar

Marc Felgar is an aging, health & senior care expert focused on improving the lives of mature adults.

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Last Updated on February 11, 2021

Want to Get Free Product Samples Like Bloggers and Beauty Gurus Do? Read This.

Want to Get Free Product Samples Like Bloggers and Beauty Gurus Do? Read This.

Imagine receiving a regular supply of free samples through your letterbox?

These free samples by mail could include things such as cleaning products, cosmetics and packaged food.

Free samples are a great way to try out some of the latest products. One week you may have a new toothpaste to try – the next week you may be snacking on a delicious chocolate cookie sample.

As the saying goes, variety is the spice of life. And by requesting free samples by mail (I’ll show you how shortly), you’ll have not just variety – but fun too!

Tell Me More About Getting Free Samples Sent to My Door!

So, it looks like I’ve caught your interest. That’s great news!

Just before I introduce you to 10 places where you can get free samples by mail, let me clarify a couple of things.

Firstly, all the places I’ll talk about are currently active in sending out free samples to consumers. (In other words, no links to out-of-date or dead pages!)

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Secondly, location is key. If you live in North America, then you’ll have a wide selection of places to sign up to. In other locations (for example, Africa, Asia and Europe), you’ll have fewer choices – but free samples by mail are still a possibility.

Lastly, to whet your appetite for the freebies, here’s a short list of product examples:

  • Pet food.
  • Beauty products.
  • T-shirts.
  • Greeting cards.
  • Wallets.
  • Snack bars.
  • Vitamins.

Free Samples by Mail… Tell Me Where to Get Them!

It’s now time to share my recommendations for the best sites to claim free samples from.

Let’s start with…

#1 SampleSource

    This company sends out boxes of 6-12 free samples about four times a year. Products include baby wipes, cereals and tissues. Register with SampleSource to be notified of the availability of their free samples. (Canada and U.S. only.)

    #2 Influenster

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      As their name suggests, Influenster wants to send free samples to you in exchange for you sharing about the products on your social media accounts. Once you’ve become a member (join for free!), they’ll send you a box of free goodies every few months. The more you share pictures and reviews of the products – the more free samples they’ll send you! (All major territories.)

      #3 PINCHme

        This organization will send you free samples in the hope that you’ll then go out and buy the equivalent full-size products. To receive regular boxes of free food, drink and cosmetic samples (and sometimes coupons), then sign up and create your profile. (U.S. only.)

        #4 House Party

          Thinking of throwing a house party? If yes, then be sure to sign up with this company. They’ll send you a box of ‘themed’ products and services that you can hand out at your party. Register with House Party. Wait for the fun freebies to be mailed to you. And then start sending out your party invites! (Worldwide.)

          #5 YoFreeSamples

            This site is a great resource for a whole host of free samples that can be mailed directly to your door (with no survey requirements!). You’ll find anything from books to perfume, with new offers listed daily. Head over to their site to see what’s currently available. (Mostly U.S., with occasional offers for other countries.)

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            #6 Magic Freebies

              The U.K.’s most popular freebie site. Register for their email newsletter, and they’ll send you a daily email with eight free sample offers. These include products such as disposable razors, dog bowls, and even fake tan! So, what are you waiting for? (U.K. only.)

              #7 SweetFreeStuff

                Since 2002, this simple site has been linking to the best free sample offers currently available. To get started, sign up to their daily email newsletter, which contains links to the latest offers. As well as free samples, SweetFreeStuff also gives information on coupons and deals. (Worldwide.)

                #8 Sample A Day

                  Would you like to receive a notification of a new free sample every day? Well, that’s the promise from this site. They claim to thoroughly research all offers, ensuring there are no catches or hidden surveys! From baby products to socks, this site is sure to have something for you. Registration is super-easy. Simply enter your email address. (Australia, Canada, U.K. and U.S. only.)

                  #9 Pretty Thrifty

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                    This site specializes in free beauty products, but also lets you claim free samples such as energy drinks, snack bars, and even magazine subscriptions. Pretty Thrifty has more than 85,000 followers on social media, so clearly knows how to attract free sample hunters. One thing that makes Pretty Thrifty stand out from most of their competitors, is that their email newsletter is available in daily, weekly and monthly formats. (Mostly U.S., with occasional offers for other countries.)

                    #10 CrazyFree

                      My final tip for getting the best free samples by mail, is Australian company CrazyFree. Their funky website offers big brand free sample offers, which currently include items such as Dolce & Gabbana perfume, Coke Zero, and Happy Dog pet food. To claim the offers, select the free samples you would like, and then complete their registration form. (Australia, U.K. and U.S. only.)

                      Receiving regular free samples by mail is a fabulous way of testing out the latest products on the market (and some that aren’t even on the market yet!)

                      You’ll impress your friends and family with all the free stuff you’ll be receiving. And take it from me… it’s a fun, free and rewarding hobby.

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