Cheap Travel without Using Credit Card Points

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If you are like me and attempting to get out of debt, then you might not be interested in using credit card points to fund your next vacation. Though travel hacking with credit cards can be a great way to save on travel, it might not be feasible for everyone, especially if you aren’t yet savvy about using your credit cards responsibly.

Whether you are taking a break from travel rewards cards or want to avoid them altogether, these types will help you secure budget travel accommodations without relying on credit card points, miles, or rewards.

Loyalty Programs

Loyalty programs offered by airlines, hotels, car rental companies, and other travel-related services are designed to reward frequent customers with points or miles that can be redeemed for discounts, upgrades, and free accommodations or services. These programs do not necessarily require the use of a credit card to accumulate points. Instead, there are several other ways to earn loyalty points that can significantly reduce travel costs.

You may think, “I don’t even travel enough to earn miles, points, or rewards!” However, you should know there are multiple ways to earn rewards in loyalty programs. Many travel-related services offer partnerships or promotions that can help accumulate loyalty points without using a credit card. These include:

  • Linking your loyalty account to dining or shopping rewards networks to automatically earn points for purchases at eligible locations.
  • Signing up for program newsletters to stay informed about deals and point-earning opportunities.
  • Participating in subscription programs tied to travel companies, where a membership fee grants perks and bonus points.
  • Taking advantage of introductory offers for new loyalty program members.

Airline Loyalty Programs (No Credit Card Needed!)

Hotel Loyalty Programs (No Credit Card Needed!)

Sign up for Travel Deals Email Lists

Another way to uncover excellent travel deals is by signing up for paid discount travel services like Going (formerly Scott’s Cheap Flights) or Thrifty Traveler. These services specialize in finding and curating the best flight deals, error fares, and promotional discounts, often saving members hundreds of dollars on airfare. Paid memberships typically offer additional perks, such as real-time alerts for fare drops, tips for maximizing savings, and exclusive access to premium deals not shared with free subscribers.

These platforms make it easier to discover affordable travel opportunities without spending hours searching online. For frequent travelers or those planning large trips, the membership fee often pays for itself with just one or two discounted bookings.

Resource: Start getting discount travel alerts for free with Going.com

Credit Card Referral Points

If you already have a credit card, you can earn points for referring friends and family members to your cards. For instance, a number of Chase business credit cards and the Chase Sapphire give you a “friends and family” referral link to share so you can earn points.

Though you don’t have to start a blog or become a travel influencer with a heavy social following, these activities can help spread awareness about what you are promoting. Otherwise, you can share the link privately via text or email.

Resource: Get welcome bonuses and referral points when you open Chase business credit cards a Chase Sapphire card.

Affinity Group Discounts

Affinity discounts are a great way for members of specific groups or organizations to save money on travel, shopping, and services. For instance, seniors can frequently access discounts for transportation, dining, and accommodations, often through organizations like AARP.

Students, on the other hand, enjoy savings on everything from software subscriptions to travel fares by presenting valid student IDs or using platforms designed for student deals. Travel search engines like Kayak.com, even have an entire page dedicated to student discounts. Veterans and active-duty military personnel are often eligible for special rates on flights, hotels, and attractions as a token of appreciation for their service.

Members of credit unions, USAA, or employees of certain companies may also be entitled to exclusive perks, such as reduced rates or additional benefits, through partnerships with various businesses.

Finally, educators, first responders, and even nonprofit workers may also find discounts tailored specifically to them. It’s important to stay informed about eligible memberships or affiliations and always ask if discounts are available — you might uncover unexpected savings!

Alternative Lodging

Of course, you’re probably very familiar with platforms like Airbnb and VRBO for vacation rentals. But there are other creative ways to get wallet-friendly vacation digs.

Platforms like Home Exchange, Trusted House Sitters, Worldpackers, and Workaway can provide budget-friendly or even free accommodation options while traveling.

Home swaps like Home Exchange allow you to exchange your home with someone else’s for a set period, offering a cost-free stay in each other’s home. Home Sitting involves caring for someone else’s property (and often pets) while they are away, which can also save money.

Worldpackers and Workaway focus on exchanging your skills or time for a place to stay, whether it’s volunteering at a local farm, teaching a language, or assisting with small projects. These platforms not only cut down on accommodation expenses but also offer the chance to immerse yourself in local cultures and lifestyles.

To maximize your experience, research the specific requirements and commitments of each program ahead of time. Additionally, always communicate clearly with hosts to establish expectations to ensure the best experience possible.

Alternative Living Arrangements

For those who dream of long-term travel or immersing themselves in a destination, adopting a “work-and-live” approach can be a game-changer. By choosing roles that combine work and lodging, travelers can cut down on costs while experiencing a deeper connection to their surroundings.

For example, becoming a crew member on a sailboat provides an adventurous way to explore the seas while earning your keep. There are websites and Facebook groups that can connect crew with boat owners. (Be sure to go through the safety routes and choose platforms that include ID verification and background checks. Get referrals for boat owners and captains from reputable sources.)

Similarly, working at a resort or boutique hotel often includes accommodation as part of the job, allowing you to live and work in stunning destinations. Another intriguing option is managing overseas properties, where handling tasks like maintenance or guest relations could mean free lodging in exchange for your service. These opportunities allow you to not just visit but truly live in and explore different parts of the world, turning travel into a sustainable lifestyle.

Travel-Based Jobs

When I was a database consultant, I worked for clients on a contracted basis. They would send me to tradeshows and industry events with per diems, covering airfare and lodging. From here, I’d piggy back on these trips and bring my family along, taking advantage of the “free” travel the job provided. You can do the same!

Securing a 100% travel job can be a gateway to exploring the world without the financial burden of airfare, accommodations, or other travel expenses. These roles, often offered by companies that require frequent travel, cover most—if not all—of your travel-related costs.

For example, jobs as flight attendants, travel photographers, or international consultants typically include paid flights, hotel stays, and even meal allowances. This means you can experience new destinations on a regular basis while following your professional ambitions. Not only does this arrangement save money, but it also allows you to immerse yourself in diverse cultures and landscapes, turning your job into a passport for free adventures.

Buy Property Overseas

Another great way to save on travel is by purchasing property overseas or in your favorite vacation destinations. Owning a home or apartment in a place you frequently visit can significantly reduce long-term accommodation expenses. For instance, you can still get great deals on homes around the world for well under $150,000 or $100,000, depending on the location.

Instead of repeatedly paying for hotels or rentals, you’ll have a permanent base to stay during your travels. Additionally, owning property abroad might allow you to generate rental income when you’re not using it, helping to offset costs further. It’s an investment that not only saves money over time but also provides the comfort and convenience of having a familiar space in a preferred vacation destination.

Resource: 17 Creative Ways to Become a Homeowner

Are you ready to live life on your own terms? Check out my free guide below:

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