Hey

I was debating whether to throw out this advice as I wasn't sure how financially savvy many people would be, but I wanted to suggest the following [please delete if this isn't acceptable advice, I am not condoning people getting into debt]

I have churned credit cards for the past 3 years and am considering going to Europe early to travel.

• With certain cards you can accrue points that can be redeemed for flights, only would have to pay taxes (British Airways is not the best as they have petrol fees in point redemptions] Many of them allow for cancellations at no charge.

• Certain cards such as Chase allow you to use points on flights and food [pay yourself back] or cash at a simple ratio and have better benefits overall. 100 points - $1

• Alot of credit cards provide free global entry [to US] AND Priority Pass [lounges im airports]

• Many upper level cards include rental insurance or luggage theft reimbursements

• Some airline cards include free checked bags

• Most importantly, many of these cards have no foreign transaction fees.

• Some hotel cards grant free nights, very useful if you don't find an apartment immediately.

• Besides referral bonuses and bank account sign-up bonuses, the sign up bonuses are not taxable income amd count as a rebate

Be Mindful

1. Credit Cards are a tool, a very useful one if used cautiously
2. Be cautious of.your spending and manage it strategically.
3. Watch your credit and apply selectively.
4. Avoid debt at all costs

Just some small.advice from a traveler who has used almost all these benefits at some point.

• J