{"id":253276,"date":"2020-01-08T00:34:00","date_gmt":"2020-01-08T05:34:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/rules\/"},"modified":"2025-03-31T06:55:18","modified_gmt":"2025-03-31T10:55:18","slug":"rules","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/rules\/","title":{"rendered":"The rules of travel hacking in 2020"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading el_id=&#8221;the_rules_of_travel_hacking&#8221; text=&#8221;The rules of travel hacking&#8221; google_fonts=&#8221;&#8221;][vc_column_text]<\/p>\n<p>At the beginning of this year, if there are three rules of <em>travel hacking<\/em> that I want to remind everyone:<\/p>\n<ol>\n<li><strong>Strategy<\/strong>: Objectives, Programs, Credit Cards<\/li>\n<li><strong>The golden rule<\/strong>: Accumulate and use<\/li>\n<li><strong>The credit report<\/strong>: Travel hacking is a marathon<\/li>\n<\/ol>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;build_your_travel_hacking_strategy&#8221; text=&#8221;Build your travel hacking strategy&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>We keep reminding people in<a href=\"https:\/\/www.facebook.com\/groups\/milesopedia\/\" target=\"_blank\" rel=\"noopener\"> the milesopedia facebook group<\/a>: <strong>establish a<\/strong> <em>travel hacking<\/em> <strong>strategy<\/strong>. Too often we are asked &#8220;What is the best credit card&#8221;? But that&#8217;s taking the problem the wrong way around.<\/p>\n<p>[\/vc_column_text][vc_custom_heading el_id=&#8221;set_a_goal_for_yourself&#8221; text=&#8221;Set a goal for yourself&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>First of all, <strong>you need to set a goal or goals<\/strong>.<\/p>\n<p>This can be short term or long term. It can be as simple as<a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-hotels\/\" target=\"_blank\" rel=\"noopener\">saving money on hotel nights<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-airbnb\/\" target=\"_blank\" rel=\"noopener\">an airbnb rental<\/a> for a weekend in New York City, or having a well-deserved <a href=\"https:\/\/milesopedia.com\/en\/guide\/disney-world-guide-ultimate-to-save-with-points\/\" target=\"_blank\" rel=\"noopener\">Disney vacation<\/a>!<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;75414&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; ][vc_message color=&#8221;success&#8221; message_box_color=&#8221;success&#8221; icon_fontawesome=&#8221;fas fa-check&#8221;]<\/p>\n<p>To help you define a goal, check out our <a href=\"\/?p=10516\" target=\"_blank\" rel=\"noopener\">beginner&#8217;s guide to a travel hacking strategy<\/a>.<\/p>\n<p>[\/vc_message][vc_custom_heading el_id=&#8221;define_the_right_loyalty_programs&#8221; text=&#8221;Define the right loyalty programs&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Once the goal is identified, <strong>define the loyalty programs<\/strong> that can help you achieve it.<\/p>\n<p>Why, for example, <a href=\"https:\/\/milesopedia.com\/programmes-de-fidelite\/hotels\/marriott-bonvoy\/meilleure-carte-de-credit-pour-des-nuitees-gratuites\/\" target=\"_blank\" rel=\"noopener\">earn Marriott Bonvoy points<\/a> when you never stay in a hotel and <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-airbnb\/\">prefer Airbnb<\/a>? This would be counterproductive. Research your travel needs (lodging, airfare, road trip, groceries, gas, etc.) then consult our guides.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;75361&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; ][vc_message color=&#8221;success&#8221; message_box_color=&#8221;success&#8221; icon_fontawesome=&#8221;fas fa-check&#8221;]<\/p>\n<p>To help you learn about loyalty programs, check out our <a href=\"\/?p=10505\">beginner&#8217;s guide to the different loyalty programs<\/a> available in Canada.<\/p>\n<p>[\/vc_message][vc_custom_heading el_id=&#8221;choose_the_right_credit_cards&#8221; text=&#8221;Choose the right credit cards&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Finally, once you have identified your goal and defined your loyalty programs, it&#8217;s time to <strong>choose the right credit cards<\/strong>!<\/p>\n<p>Thanks to your previous work (objectives and programs), <strong>it will be much easier to make the choice<\/strong> and not to give in to the charms of credit cards that will not be optimal for you![\/vc_column_text][vc_single_image image=&#8221;48342&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; ][vc_message color=&#8221;success&#8221; message_box_color=&#8221;success&#8221; icon_fontawesome=&#8221;fas fa-check&#8221;]<\/p>\n<p>To help you choose a credit card, check out our <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">monthly ranking of the best credit card offers<\/a> in Canada by program or <a href=\"https:\/\/milesopedia.com\/en\/?p=131131\" target=\"_blank\" rel=\"noopener\">search for your credit card with our comparison tool<\/a>!<\/p>\n<p>[\/vc_message][vc_custom_heading el_id=&#8221;our_strategies&#8221; text=&#8221;Our strategies&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]To help you build your travel hacking strategy, we have designed several for you! Feel free to use these as inspiration and adapt them to your situation![\/vc_column_text]\n<div class=\"series-of-posts open-sop\">\n\t<input class=\"series-checkbox\" id=\"series-579\" type=\"checkbox\" name=\"expand-text\"  checked='checked'\/>\n\t<label class=\"series-title\" for=\"series-579\">\n\t\t\tLes strat\u00e9gies\t<\/label>\n\t<div class=\"series-of-posts-links\">\n\t\t\n\t\t<ol>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/free-airport-lounge-access\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tHow to Get Free Airport Lounge Access?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-foreign-currency\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tGuide: How to Save on Foreign Currency Transactions\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-airbnb\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tGuide: How To Save On Airbnb With Points?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-hotels\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tGuide: Save On Hotels With Points\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-flights\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tGuide: Save on Flights With Points\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ol>\n\t<\/div>\n\n<\/div>\n[vc_single_image image=&#8221;75412&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; ][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;accumulate_and_use&#8221; text=&#8221;Accumulate and use&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Loyalty programs are not RRSPs! Don&#8217;t collect points to use them in 3-4-5 years!<\/p>\n<p>Each year brings its share of devaluations or changes in loyalty programs. So you need to be able to handle it by keeping your point balance low in programs such as Aeroplan or AIR MILES.<\/p>\n<p>[\/vc_column_text][vc_custom_heading el_id=&#8221;banking_currencies&#8221; text=&#8221;Banking currencies&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Prefer <strong>the accumulation of bank currencies <\/strong>such as&nbsp;:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\" target=\"_blank\" rel=\"noopener\">American Express Membership Rewards points<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/hsbc-rewards\/\" target=\"_blank\" rel=\"noopener\">HSBC Rewards points<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/cards\/rbc\/\" target=\"_blank\" rel=\"noopener\">RBC Rewards points<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/sceneplus\/\" target=\"_blank\" rel=\"noopener\">new Scene+ bonus points<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\" target=\"_blank\" rel=\"noopener\">and BMO Rewards points<\/a><\/li>\n<\/ul>\n<p>The first three types of points have the advantage of being transferable to other currencies (airline miles, hotel points). These will be the three currencies to focus on.<\/p>\n<p>The others are travel points that have a fixed value in their respective program.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;50621&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; ][vc_message color=&#8221;success&#8221; message_box_color=&#8221;success&#8221; icon_fontawesome=&#8221;fas fa-check&#8221;]<\/p>\n<p>Find out why American Express Membership Rewards is the best loyalty program in Canada. Read about how it helps you accomplish your goals with <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\" target=\"_blank\" rel=\"noopener\">our travel hacking guide on Membership Rewards<\/a>.<\/p>\n<p>[\/vc_message][vc_custom_heading el_id=&#8221;aeroplan&#8221; text=&#8221;Aeroplan&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In 2020, the Aeroplan program has evolved significantly. Thanks to its new <a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/air-mauritius-new-partner-aeroplan\/\" target=\"_blank\" rel=\"noopener\">partnerships with global airlines<\/a>, it allows you to fly to many destinations.  <\/p>\n<p>Since then, various promotions have been unveiled with American Express, CIBC and TD credit cards, linked to Aeroplan points. Moreover, the excellent option of <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/air-canada-aeroplan-family-sharing\/\" target=\"_blank\" rel=\"noopener\">family sharing<\/a> is a great advantage for families or friends traveling together.  <\/p>\n<p>[\/vc_column_text][vc_message color=&#8221;success&#8221; message_box_color=&#8221;success&#8221; icon_fontawesome=&#8221;fas fa-check&#8221;]Want to use your Aeroplan Miles but don&#8217;t know how? Check out <a target=\"_blank\" href=\"\/?p=51644\">our ultimate travel hacking guide to Aeroplan<\/a> to learn all about the current program![\/vc_message][vc_single_image image=&#8221;63040&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; ][vc_custom_heading el_id=&#8221;air_miles&#8221; text=&#8221;AIR MILES&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>No changes occurred in 2020 for AIR MILES. The program allows you to earn MONEY or DREAM miles in two different accounts, and unfortunately these miles are not transferable between accounts.<\/p>\n<p>We hope to see this type of transfer possible, which would be a great improvement to the program.<\/p>\n<p>However, in 2021, they lost important partners such as <a href=\"\/?p=123554\" target=\"_blank\" rel=\"noopener\">Lowe&#8217;s, Rona, R\u00e9no-D\u00e9p\u00f4t<\/a> and <a href=\"\/?p=131927\" target=\"_blank\" rel=\"noopener\">LCBO<\/a>, as well as disappointing new products in their <a href=\"\/?p=169307\" target=\"_blank\" rel=\"noopener\">rebranding<\/a>.  <\/p>\n<p>[\/vc_column_text][vc_message color=&#8221;success&#8221; message_box_color=&#8221;success&#8221; icon_fontawesome=&#8221;fas fa-check&#8221;]<\/p>\n<p>Want to use your AIR MILES miles but don&#8217;t know how? Check out our <a href=\"\/?p=50628\" target=\"_blank\" rel=\"noopener\">ultimate AIR MILES travel hacking guide<\/a> to learn all about the program!<\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;act_with_caution_and_moderation&#8221; text=&#8221;Act with caution and moderation&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Too often we see new members get excited about this world of points &amp; miles and <strong>sign up for whatever credit card offer they see here or there<\/strong>.<\/p>\n<blockquote>\n<p>Travel hacking is a marathon.<\/p>\n<\/blockquote>\n<p>If you have followed our method (Objective &gt; Programs &gt; Credit cards), you will not be among those who make big mistakes. But here is our advice to be careful.[\/vc_column_text][vc_custom_heading el_id=&#8221;know_the_components_of_the_credit_file&#8221; text=&#8221;Know the components of the credit file&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><strong>The credit report is the cornerstone<\/strong> of <strong> <em>travel hacking<\/em><\/strong>. Applying for a credit card is primarily about applying for financing (not points)!<\/p>\n<p>Institutions will look at your credit report to determine whether or not you should be granted a credit card. It is therefore essential to do things right and to know the<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/101-credit-score\/\" target=\"_blank\" rel=\"noopener\"> 5 components of the credit file<\/a>:<\/p>\n<ul>\n<li>Punctuality of payments: 35<\/li>\n<li>Credit utilization: 30%.<\/li>\n<li>History: 15%.<\/li>\n<li>Types of credit: 10%.<\/li>\n<li>New requests: 10% of the total<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;25961&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; ][vc_custom_heading el_id=&#8221;control_your_expenses&#8221; text=&#8221;Control your expenses&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>A good travel hacker knows his <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/management-expenses-credit-cards\/\" target=\"_blank\" rel=\"noopener\">monthly and annual expenses<\/a> precisely. For example, it allows him to <strong>plan a round of credit cards<\/strong> that require a certain threshold to be met in order to get the welcome bonus.<\/p>\n<p>But travel hacking also requires <strong>mastery of one&#8217;s buying behavior<\/strong>. If you leave a balance on your credit card, you will lose out. Bonuses earned will NEVER be used to offset interest paid on a credit card!<\/p>\n<p>If you are currently in this situation, <strong>travel hacking is NOT FOR YOU<\/strong>.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;50617&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; ][vc_custom_heading el_id=&#8221;follow_the_3-month_rule&#8221; text=&#8221;Follow the 3-month rule&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]In the world of credit cards, there is an unwritten rule: respect the three-month rule. That is, <strong>the time between credit card applications<\/strong>.<\/p>\n<p>Your credit report will be impacted by any new credit card application. Leaving 3 months between each request allows him to &#8220;catch his breath&#8221;.<\/p>\n<p>Ideally, an advanced travel hacker like me will not go below 3 months between requests. On the other hand, <strong>you can make several requests on the same day to compensate<\/strong>!<\/p>\n<p><strong>For a beginner, we recommend 1 to 2 cards every 6<\/strong> months.<\/p>\n<p>For an intermediate person, we can increase to 1 or 2 cards every 3 months. While for an advanced travel hacker, you can go up to 3 cards every 3 months![\/vc_column_text][vc_single_image image=&#8221;75423&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; ][vc_custom_heading el_id=&#8221;keep_a_low_profile&#8221; text=&#8221;Keep a low profile&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><strong>Travel hacking requires discretion<\/strong>. Do not alert a bank if you have not received your welcome bonus immediately.<\/p>\n<p>Wait a minute, read the rules for awarding (some bonuses can be awarded 6 months after the prerequisite is met)! If you don&#8217;t get your bonus, read our article<a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/credit-card-welcome-bonus-not-received\/\" target=\"_blank\" rel=\"noopener\">&#8220;Why didn&#8217;t I get my welcome bonus?<\/a> &#8220;.  <\/p>\n<p>And most importantly, if you know you don&#8217;t meet the requirements (for example, by having had the same card in the past), know how to let go! You can make up for it on other cards.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;75416&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; ][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;bottom_line&#8221; text=&#8221;Bottom Line&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><b>These few rules will help you make the right resolutions for this new year!  <\/b><\/p>\n<p>Feel free to <a href=\"https:\/\/www.facebook.com\/groups\/milesopedia\/\" target=\"_blank\" rel=\"noopener\">join the facebook group<\/a> to discuss all this with thousands of travelers and &#8220;points users&#8221; including many advanced members!<\/p>\n<p>If you want more reading material, I also recommend&nbsp;:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/travel-hacking-canada\/\">Travel hacking is a marathon&#8230; not a sprint!<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Make good points and miles resolutions as we enter 2020! In particular, by mastering these three rules.<\/p>","protected":false},"author":3,"featured_media":75363,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45830],"tags":[],"mc_loyalty_program":[],"class_list":["post-253276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guide"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The rules of travel hacking in 2020 | Milesopedia<\/title>\n<meta name=\"description\" content=\"Make good points and miles resolutions as we enter 2020! In particular, by mastering these three rules.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/guide\/rules\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The rules of travel hacking in 2020\" \/>\n<meta property=\"og:description\" content=\"Make good points and miles resolutions as we enter 2020! 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