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How I Travel for Free with Credit Card Rewards!

I left my full-time job in 2015 and have been traveling around the world ever since.

I give many thanks to investing, credit card rewards, and money hacks for making this possible!

Chase currently has a promotion available if you sign up for the Sapphire Preferred card here. Use my link by clicking here to get the promotion! 

Earn 60,000 bonus points with Chase Sapphire Preferred. Learn more.

At first, it was just within the United States.

Then, I took advantage of an opportunity of a lifetime when I traveled on a six-month world tour with Up with People in 2016.  It was a dream of mine to travel while salsa dancing in shows and learning about different communities. That dream came true when I least expected it and I am forever grateful!

Once you start traveling, it’s hard to stop.

After my six-month tour, I had to find a way to continue my travels. So I became a freelance writer, used my CPA (Certified Public Accountant) experience to provide accounting and consulting services, and started a digital marketing and media firm, CEO Unlimited LLC, that caters to experts and entrepreneurs.

But I knew there had to be a way to earn money without working every second of the day. That’s when I started investing more and taking advantage of dividends. Grab a copy of my book, Dividends are a Queen’s Best Friend, to learn how dividend investing works.

Having side gigs and a business is great but you don’t just want money to help you get by from day-to-day. You also want money to save for retirement and do the things that matter most to you. For me, that was spending time with my family and traveling around the world.

That’s when I did my research and discovered the power of credit card rewards and I really started living my best life around the world.

***If you’re in debt and live paycheck to paycheck, this is not for you. Get a financial coach to help you manage your money and shift your money mindset before taking advantage of this. Email me at if you need help!***

My First Credit Rewards Card: Chase Sapphire Preferred

Chase is well known for having great credit card rewards. So, when I started my businesses, I used a credit card to get access to coaching and  training. I also had to purchase another computer and get the right equipment.

Beware: Don’t spend money on a credit card that you don’t have and can’t realistically pay back in a certain time frame.

When I met the minimum spending requirement, I was able to travel to Las Vegas, Atlanta, and New York for free! 

Chase currently has a promotion available if you sign up for the Sapphire Preferred here. Use my link to get the promotion! 

After you spend $4,000 on purchases in the first 3 months from account openingoffer details reference* — that’s $750 toward travel when you redeem through Chase Ultimate Rewards®.

What I really love about the card is that I avoid foreign transaction fees. Now, that’s a game changer when you are traveling around the world.

In August 2019, I booked a one-way flight to London and had to rely on my credit card until I converted my US Dollars for British Pounds. So glad that I didn’t have to pay foreign transaction fees! #winning

Then, I decided to book another flight to Berlin. Again, the credit card saved the day because I didn’t have Euros when I arrived in the country.

Tip: Make sure you pay your credit card bill in full at the end of the day. Don’t accumulate charges on your credit card! 

Extra Rewards: 

You can make your life easier by taking advantage of rewards cards. Here are some of the additional benefits:

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward traveloffer details reference*
  • No blackout dates or travel restrictions – as long as there’s a seat on the flight you can book it through Chase Ultimate Rewards
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • For example, 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Pay no foreign transaction fees when you use your card on purchases made outside of the United States
Tip: I only get credit cards with rewards bonuses when I plan to spend a lumpsome of money. For example, if I know I need to buy a new computer, that would be a great time to look at a rewards card and get points for my purchase. I don’t get credit cards and then look for something to buy. 
Now you can use your money to invest and save for retirement! You get the best of all worlds.
Tip: Only get a credit card if it makes sense for you. Evaluate your personal situation or work with a financial coaching to determine the best way to maximize your money. 

About Charlene Rhinehart, CPA

Charlene Rhinehart is a Certified Public Accountant, Founder of Wealthy Women Daily, and Editor-in-Chief of the Dividend InvestHer and The Wealthy Woman Investor. Charlene is currently the Chair of the Illinois CPA Society Taxation Individual Committee. With over a decade of experience in the financial services industry, Charlene is one of the few leaders who design insights specifically for the woman investor. Charlene’s work has been featured in a variety of publications including the Huffington Post, Black Enterprise, and the American Institute of Certified Public Accountants. In 2019, Charlene released her book “Dividends Are a Queen’s Best Friend”, on Amazon.

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