How To Maximize Your Travel Credit

By: Spencer Howard

As we approach the end of the year, we have been receiving tons of questions about how to maximize the annual travel credit attached to several credit cards.

American Express, Chase, and Citi all have products that provide a lucrative travel credit that can be used every year you hold the card. As avid travelers, these credits are a great way to reduce the effective annual fee for these cards.

Let’s discuss how each card’s travel credit works.

10xTravel Maximize Travel Credit


American Express Platinum and Premier Rewards Gold Airline Fee Credits

Several American Express cards provide airline fee credits. Most of these cards are variations of the American Express Platinum card, which include a $200 credit. Additionally, those who hold the Premier Rewards Gold card have a $100 credit.

One very important point about the Amex airline fee credit: You must select a qualifying airline prior to making your purchase if you want it to be reimbursed. You can choose one airline each calendar year. Once you have made your selection, you can only get airline fees reimbursed when purchases are made with that airline.

You’re probably wondering what counts as an “airline fee” so let’s get into that. American Express will reimburse you for several types of incidental fees, including:

  • Checked baggage
  • Seat assignments
  • Phone reservations
  • Itinerary changes
  • In-flight entertainment (this does NOT include in-flight wifi, as the airline is not the provider)
  • Airport lounge day passes and annual memberships
  • In-flight food and beverages
  • Pet fees

Note that this list does not include airfare or taxes and fees for award tickets. This does make the airline fee credit with American Express a bit more restrictive than some other travel credits, but they are still easily used by anyone who enjoys travel.

Finally, you receive this fee credit annually. Every January 1, it refreshes and can be used for the current year. If you are hoping to be reimbursed late in December, keep in mind that the purchase must post to your account prior to the end of year. If it does not post by December 31, the new year’s fee credit will be applied. For this reason, we don’t recommend waiting until the very last minute.


Chase Sapphire Reserve Travel Credit

When the Chase Sapphire Reserve was launched, it not only came with a hefty sign-up bonus and great earning structure, but the best travel credit on the market. Continue Reading

Blog, Success Stories

Reader Success Story – A $2,412 Trip to Bali for Only $255

We’re back with another amazing readers success story. Today Shannon is going to tell us how she used miles and points to take a dream vacation in Bali, Indonesia. If you’ve been wondering how you can use make credit cards work for you, this is a must-read.

If you have your own dream vacation story that you’d like to share, send Bryce a quick email and you could see your story on the blog next time!

With that we’ll turn it over to Shannon!


Hey 10xTravel Friends!

If you’re anything like me, you’ve probably looked at your points balances and thought, “ugh, there’s no way I’m going to have enough for a round-trip!” Fortunately, that doesn’t have to derail your dream vacation.

I knew I didn’t have enough miles in any of my accounts to for a round-trip flight from Minneapolis to Bali, Indonesia, so I decided I would book one-way flights on two different airline programs. I did a little research and decided to use United miles for my flight to Bali and Delta SkyMiles for my return flight.

I booked my flight to Bali on United with thanks to the sign-up bonus I received from the Chase United card. At the time, the bonus was 50,000. A one-way flight from Minneapolis to Bali only cost 40,000 miles and $52 (taxes and fees), so my 50,000 United miles were more than enough to take care of this flight.

I used my CapitalOne Venture card to pay for the fees and was able to erase all $52 of these taxes and fees. A free flight to Bali? Yes, please!

Continue Reading


How to Take Your Credit Card Application from Pending or Denied to Approved

By: Spencer Howard

You find a great credit card. You fill out the application with hopes of a new adventure. You know exactly what you’re going to do with those points.

You hit the submit button on your application and… Pending?!?! Denied?!?!

This is not what you planned. This was not supposed to happen.

Now, take a breath. It’s not over yet.

We are not at the end of this particular dance yet. It is only the beginning. Now is the time to prepare for a reconsideration call.

Let’s get into the details of how to handle this (annoying) situation.


When to call

Your best bet to turn an instant denial into approval is to call a bank’s reconsideration line. Since you’ve already been denied, there’s no need to hesitate on this one. Go ahead and call.

But what if you get a pending notification? This situation isn’t cut and dry. You will find some who prefer to call immediately and many others who prefer to wait.

Personally, I don’t see the need to call until you are denied. I prefer to let my application work its way through the system and wait for an approval or denial. It’s easy enough to check the status of applications online or via automated phone systems while you wait. Continue Reading


Today’s My Birthday – Can I Ask a Quick Favor?

Today marks the beginning of my 29th journey around the sun (I’m 28 years old).

To be honest, 28 is a bit of a strange age. Mainly because at 28 you could have 3 kids and a mortgage or spend your weekends ordering shots of Fireball at a club and both would be socially acceptable (at least in my book).

Me? I guess I’m somewhere in the middle.

My 28th birthday is the first one I’ll spend as the father to my newborn daughter, Colette. It also begins another year filled with lots of travel, time spent with friends, and drinking in strange bars all over the world.

This is what 28 years old looks like

Anyway, I have a small favor to ask of you on my birthday.

Will you tell me how 10xT has changed your life in this past year?

It can be anything, from finally being able to take the trip of your dreams to making a few bucks on the side.

You can send them to me by email ( or share them in my Insider’s Facebook Group. I read every single one.

Thanks in advance. Here’s to making 28 the best year yet.

Happy Travels,



My New EBook – How to Fix Your Credit – Is Available NOW

Today I am thrilled to announce that my new book – How to Fix Your Credit: Do it Once. Do it Right. Get on with Your Life – is now available for purchase here.
How to Fix Your Credit is the most intuitive do-it-yourself credit repair product ever created, showing you how to go from “my credit needs work” to “I’m confident that I’ll never have credit problems again” in a matter of weeks.

I spent YEARS creating this product, distilling the best practices from my work with thousands of individual clients and sharing them in this one comprehensive book. 
Here’s a quick look at what’s included:

  • My simple, 4-step process to repairing and rebuilding your credit
  • More than 20 actionable strategies and tips to dramatically increase your credit score
  • Word-for-word scripts to take guess work out of credit repair. No need to reinvent the wheel here, my word-for-word scripts are ready to plug and play.
  • The latest tools and tricks, as well as shortcuts, for improving your credit score with minimal time and effort
  • Specific benchmarks to achieve at each step, so you know you’re on the right track
  • The exact system I use to stay on top of my credit and personal finances with < 10 minutes of work each month. Why create your own? Steal mine!
  • And more…
These methods have produced incredible results for thousands of people from a variety of different backgrounds, and I’m confident work for you too.
So confident in fact that I am happy to offer a 110% guarantee. No questions asked.
If you’ve been wanting to dive in to the world of points and miles, but don’t have the credit score to do so, this product is for you.
Click here to learn more about How to Fix Your Credit: Do it Once. Do it Right. Get on with Your Life

Happy Travels,

Blog, Success Stories

Reader Success Story – A $10,000 European Honeymoon for Next to Nothing

We talk a lot about how you can take amazing trips around the world with the help of miles and points. I’m sure some of you have wondered why we’re so obsessed with credit cards and using the points we earn to travel. Well, let me introduce you to Vincent.

Vincent has planned an amazing European honeymoon with his wife for later this year. I’ll let Vincent show you how he did it…


Making honeymoon decisions can be particularly stressful, but thanks to miles and points we are going on a seven-day adventure that will take us to Athens and Crete. Not only will we spend time in two amazing cities, but we will be staying at 4 and 5 star hotels.

You might be thinking, “that’s great, but I don’t have that kind of money.” Well, neither do we! Thanks to the strategic use of credit cards, we have planned the trip of a lifetime and saved a TON of money.

The card that is the driving force behind our honeymoon is the Chase Sapphire Reserve. We wanted to show you what a couple lovebirds can do with this amazing card.

So, let’s get into it!


The Journey Begins: Dayton to Athens

We are flying from Dayton to Athens, Greece thanks to 30K United points and $25 in taxes and fees per person. That’s 60,000 total United miles and $50 dollars for the two of us. All it took was a quick transfer of Chase Ultimate Rewards to United to make it happen.

To make this journey just that little bit better, we also have Priority Pass lounge access thanks to the Chase Sapphire Reserve. Nothing beats cocktails and Wi-Fi in the lounge while waiting for your flight!

Continue Reading


How Miles and Points Can Keep You Connected To Family

By: Luke Sims

About a year ago, I fell hard for the points and miles hobby. I was captivated by the idea of taking extraordinary trips for a fraction of the cost.

Now, one year wiser and ten pounds chubbier, I’ve discovered a more meaningful element that’s pulled me deeper in love – the freedom to visit family and close friends whenever I want.

I can remember the first headline that drew me in, “How I Booked a $28,000 Trip to Thailand for $326.42” – I was hooked. At the time, I was struggling to find an affordable way to take an incredible honeymoon and this was the ticket I was looking for, so I jumped in head first.

Over the past year, this hobby has taken me on some thrilling adventures. From my honeymoon in the Canadian Rockies to my all-inclusive weekend getaway to Cancun to my latest five-day trip to Paris (post coming soon). I never would have thought that I could take all of these trips for next to nothing.


(Honeymoon in the Canadian Rockies)

These were the spectacular escapades I was seeking. They’re what I thought this hobby was all about.  

But no matter how magical a trip I conjure up, the best part of this hobby has been how it’s allowed my wife and I to stay connected to our family and close friends from 600 miles away. Continue Reading


Last Chance for Chase Sapphire Reserve Online 100,000 Point Bonus

By: Bryce Conway

Hi Travel Junkies,

Just a heads up, you only have a few more days to apply for the Chase Sapphire Reserve card online and receive the 100,000 point bonus!

Chase has confirmed that the bonus is scheduled to drop to 50,000 points on Thursday, January 12. The 100,000 point offer will still be available in Chase branches until early March.

Here are the details of the offer:

  • Earn 100K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,500 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases such as airfare and hotels charged to your card
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
  • Get 50% more value when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 100,000 points are worth $1,500 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 900+ airport lounges worldwide with complimentary Priority Pass™ Select membership
  • Up to $100 application fee credit for Global Entry or TSA Pre®
  • No blackout dates or travel restrictions – as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards

Personally I think this is the best travel credit card ever released, and a no-brainer for even the casual traveler. Yes, $450 is a lot to pay for a credit card, but the benefits clearly justify the premium price of this card.

Times almost up, so grab it while you can!

Happy Travels,


Blog, Guest Post

Travel Guides for 10xTravel [Guest Post]

Hey Y’all,

Kate here from Life on Pine, an adventure & travel blog, sharing stories from our current life on the road. You can read a little more about us or reach out directly here.

Adventure Travel


Our blog really used to be a place for stories, photos and recommendations from cities that I loved. Over time, my husband and I started to travel together more, and I was borderline worried about his obsessive researching before a trip: what are the locals doing, where are the underrated cafes/shops/stores, can we see live music, can we hike/bike/surf, where do the OG’s go in this town.

We of course also love finding historical places, museums, hot spots and hipster-ridden cafes, but we equally love ending up in a dive bar full of 70+ year old legends smoking cigarettes and playing backgammon. I used to think only spontaneity made for good trips, however I’ve seen there is a clear difference when you arrive in a city with a loose plan and slowly I’ve started to appreciate his OCD travel preparation.


… are meant to inspire you! And at the very least serve as a back-up plan for your next adventure. Before TG’s, we would get emails from friends [or friends of friends] about recent trips, asking about some of our favorite spots and things we did. From there we would spend hours writing up emails, copy and pasting old emails and forwarding people past recommendations. Eventually it just seemed to make sense to share the work that was already done or collected, and pair it up with some of our favorite photos. Sometimes blogging can feel like an un-rewarding endeavor, but when we hear of someone using a guide or loving our tips, it makes my heart melt.

These guides are designed to be a source of clean, digestible, visually pleasing information for you to get what you are looking for fast, and move onto more important things – like your trip! Continue Reading


How I Did It: A $1,300 Trip to Oregon for $22.50

By: Dillon Carter

Hey guys!

I recently got back from a four-day trip to Oregon with my girlfriend. From hot springs to waterfalls to snow capped mountains, it was was an amazing adventure.

I had been sitting on some points for a while and finally had a short break from class, so we quickly decided to book a trip. The whole booking process took less than an hour.

Dillon's Trip

As everyone knows, trying to make time to travel can be particularly frustrating, so we booked this three months in advance. As a budding entrepreneur, this gave me enough lead time to ensure I had everything in place so I could relax on my vacation.

For those who don’t think you can take the time away from work, I’m here to tell you that it is possible. With a little planning, you can not only take a great vacation, but enjoy it too! Continue Reading