It was only a few weeks back that I wrote about ways to maximize your credit card rewards earnings through the use of RadPad and Plastiq (Part I, Part II, Part III) for your rent and mortgage, but just a few days ago, RadPad came out with another very lucrative promotion! This post is especially for you renters out there!
Kia currently has a promotion through October 31st, 2016, where if you "test drive" any new Kia Optima, the dealership gives you a free $25 Prepaid Visa Gift Card. As you've probably noticed, "test drive" is in parentheses, because you don't actually have to take a test drive! I've only done this one other time, when Subraru had a similar promotion, but I didn't have to test drive a car that time either.
Let's go over again what we know! The best and cheapest way to pay rent is using a debit card through RadPad. And as we learned from Part II, the best debit card to use is the PayPal Business Debit MasterCard (PPBDMC), because you actually earn 1% cash back for using it!
The best and cheapest way to pay your mortgage using a credit card, is through Plastiq, since their 2.5% fee is about a percentage point cheaper than RadPad's 3.49% fee. However, unless you are trying to build your credit, quickly meet minimum spending amounts, or build up your miles/points stashes, this is not the most cost-efficient way to go about it.
So in my last post, Part I, I gave a brief overview of both RadPad and Plastiq, and how to take advantage of both services to either stop having to write checks to your landlord each month, meet minimum spend for newly acquired credit card bonuses, build your credit, and/or rack up some serious travel reward miles/points in the process.
The name of this travel hacking game is accruing as many miles/points as you can. You accrue by making purchases on your travel miles/points rewards cards, and the bigger your travel miles/points balances pile up, the more options you have when it comes to traveling when you want to, how you want to, and where you want to!
Back at the end of May, this website was featured on Million Mile Secrets! It was awesome seeing the spike in my site traffic, but more importantly, it was nice knowing that the info I was sharing was reaching more people out there - YOU!
When it comes to earning miles/points there are essentially 2 main ways to do so -- signing up for credit cards and/or through everyday spend. I've already covered extensively why leveraging your credit through the signing up of credit cards is so valuable (big amount of points in a short amount of time!), while I haven't touched much on how to maximize your earning potential with everyday spend.