As Spring Break is upon us everyone and their mother is trying to get away for a little break – me included! My wife is a teacher, so we really look forward to these breaks and take advantage of her time off. Our daughter, Rory is almost 2 so we are somewhat hesitant to fly because we know it’s going to be rough, but its either staying home for the week or vacation – I will always pick vacation!
As we were doing research for places to stay we wanted to do an amazing vacation but spend as little as possible. We decided on Kauai. Our plans were to go to Kauai on Monday and Leave Sunday night on the redeye. Let me walk you through the plans, preparation and how we were able to take advantage of points for our amazing trip!
Flight:
By using points that I had accumulated through using my American Express Gold Card I was able to book our flight out to Kauai from Phoenix for both my wife and I for 130k points! We decided to fly first class on the way home, and economy on the way out there – and have our daughter is under 2 so she is a lap child (free). Luckily on the way out there I spoke to the flight attendant and got her to move the person who was supposed to sit on our row to another seat so we had our own row.
We stayed in Hanalei Bay for the first 3 days in an Airbnb that cost $250 per night – not too bad for these amazing views!
The next 3 nights we stayed at the Koloa Landing resort in Poipu beach – my daughters favorite spot! We spent $350 a night to stay here (which was the most expensive part of the trip) but you can find other places in Poipu for cheaper ($175 per night). My daughter loved the snacks and the Luau that we went to at the smith family gardens. Poipu beach (baby beach) is amazing for little kids who want to play in the water and have a great time!
Our family getaway ended up being much cheaper than other families because we used our points that I had saved from getting my new American Express Gold Card. I had accumulated 100k points for signing up and meeting their spending bonus, plus I had been using the card so I had a total of 150k points. I also signed up for the Chase Sapphire Reserve card and got another 100k points for signing up and meeting the sign up bonus. All in all here is how the spending went:
Flight 130k points + 50 taxes = Use Amex points & pay 50 bucks!
Hotel in Koloa $1050 = Use Chase points 100k Pay 50 dollars!
Airbnb in Hanlei $750 = I paid 750 dollars
Flights and Lodging = $850 for 7 days in Paradise
Take advantage of the point giveaways that new credit cards have to offer and vacation for cheap! For more information on how to get points for travel leave a comment below or reach out to our resident points expert John! He runs a website called theflyingmustache.com and is a whiz at flying and traveling for free!
I hope your next getaway is as great as mine!
-Shaun
[offerpromo]
BOOST Platinum Card
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- No Employment or Credit Check
- Credit Recommended
- Damaged credit to Fair credit
- Credit Line
- $750 Limit (Usable only at TheHorizonOutlet.com)
- Regular APR
- None
- Monthly Fee
- $177.24 annually ($14.77 per month)
Net First Platinum
- No Employment or Credit Check
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
- Credit Recommended
- Damaged credit to Fair credit
- Credit Line
- $750 Limit (Usable only at TheHorizonOutlet.com)
- Regular APR
- 0% APR
- Monthly Fee
- See website for Details*
The Net First Platinum card could be the perfect card for you.
Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.
*See Card for Details
Bad Credit Cards
- Credit Recommended
- Fair/Bad/Poor/Damaged/Limited/No Credit/
- Intro (Purchases)
- See website for Details*
- Intro (Transfers)
- See website for Details*
- Regular APR
- See website for Details*
- Annual Fee
- See website for Details*
FIT™ Platinum Mastercard®
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Credit Recommended
- Fair/Poor/Bad
- Regular APR
- 35.90% Fixed
- Annual Fee
- See terms
- Return Payment Fee
- Up to $41.00
- Late Payment Fee
- Up to $41.00
First Progress Platinum Prestige Mastercard® Secured Credit Card
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- Credit Recommended
- Poor/Limited/No Credit
- Regular APR
- 14.49% (V)
- Annual Fee
- $49
- Credit Line
- $2,000
- Cash Advance APR
- 23.49% (V)
Freedom Gold Card
- $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Bad Credit - OK
- Credit Line
- $750 Limit (Usable only at TheHorizonOutlet.com)
- Monthly Fee
- See website for Details*
- Regular APR
- 0% APR
You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.
*See site for details
Surge® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Regular APR
- 35.90% Fixed
- Late Payment Fee
- Up to $41.00
- Return Payment Fee
- Up to $41.00
- Intro Rate
- See website for Details*
Reflex® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Regular APR
- 35.90% Fixed
- Credit Limit
- up to $1,000
- Annual Fee
- $75 - $125
- Late Payment Fee
- Up to $41.00
Milestone® Mastercard®
- Greater access to credit than before - $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability* for unauthorized use
- Access your account online or from your mobile device 24/7
- *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.
- Credit Recommended
- Fair/Good
- Credit Limit
- $700
- Cash Advance Fee
- See terms
- Regular APR
- See terms
First Progress Platinum Select Mastercard® Secured Credit Card
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- Credit Recommended
- Poor/Limited/No Credit
- Regular APR
- 18.49% (V)
- Annual Fee
- $39
- Credit Line
- $2,000
- Cash Advance APR
- 24.49% (V)
Upgrade Cash Rewards Visa®
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- 1.5% unlimited cash back on every purchase
- No annual fee
- See if you qualify in seconds with no impact to your credit score
- Combine the flexibility of a card with the predictability of a personal loan
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- Contactless payments with Apple Pay® and Google Wallet™
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
- Credit Line
- $500 - $25,000
- Regular APR
- 14.99% - 29.99% APR
- Regular Transfer APR
- 14.99% - 29.99% APR
- Annual Fee
- $0
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Reflex® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Regular APR
- 35.90% Fixed
- Credit Limit
- up to $1,000
- Annual Fee
- $75 - $125
- Late Payment Fee
- Up to $41.00
Merrick Bank Secured Credit Card
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
- Credit Recommended
- See website for Details*
- Regular APR
- 22.95% Variable
- Annual Fee
- $36 for first year. Billed $3 per month thereafter
- Credit Line
- $200-$3,000, depending on deposit amount
- Cash Advance APR
- 27.95%
Destiny Mastercard®
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
- Credit Recommended
- Poor to Good
- Credit Limit
- $700
- Regular APR
- See terms
- Annual Fee
- See terms
OpenSky® Plus Secured Visa® Credit Card
- New feature! Earn up to 10% cash back* on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
- Credit Recommended
- No credit, Poor, Fair
- Regular APR
- 29.24% (variable)
- Annual Fee
- $0
- Credit Line
- $300-$3000 at time of application
Fair Credit Cards
- Time for a new Credit Card
- Improve your credit with responsible use
- Credit Cards for Fair Credit
- Credit Recommended
- Average/Fair/Good/Poor/Bad/Limited/
- Intro (Purchases)
- See website for Details*
- Intro (Transfers)
- See website for Details*
- Regular APR
- See website for Details*
- Annual Fee
- See website for Details*
Good Credit Cards
- Take advantage of your good credit to get competitive APRs and rewards
- Enjoy low rates and rewards for everyday spending
- Earn cash back, points or miles to redeem for travel, gift cards or cash rewards
- Bonus offers – up to 50,000 points or miles
- Good credit can lead to excellent credit – some cards provide free credit score monitoring
- Terms vary by partner. Please see individual application for product terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Credit Cards for Good Credit from participating partners
- Credit Recommended
- Fair/Good/Limited/No Credit/Excellent
- Intro (Purchases)
- See website for Details*
- Intro (Transfers)
- See website for Details*
- Regular APR
- See website for Details*
- Annual Fee
- See website for Details*
*See Card for Terms and Conditions
OpenSky® Secured Visa® Credit Card
- New feature! Earn up to 10% cash back* on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
- Credit Recommended
- No credit, Poor, Fair
- Regular APR
- 24.89% (variable)
- Annual Fee
- $35
- Credit Line
- $200-$3000 at time of application
Poor Credit Cards
- A better way to get a Card Offer!
- For those with less that perfect credit.
- Response in as fast as 60 seconds
- Search, Compare, Apply!
- Credit Recommended
- Fair/Poor/Bad/Damaged/Limited/No Credit
- Intro (Purchases)
- See website for Details*
- Intro (Transfers)
- See website for Details*
- Regular APR
- See website for Details*
- Annual Fee
- See website for Details*
Search, Compare and Apply! Creditsoup.com offers you a better way to get a card offer.
*See Card for Terms and Conditions
Surge® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Regular APR
- 35.90% Fixed
- Late Payment Fee
- Up to $41.00
- Return Payment Fee
- Up to $41.00
- Intro Rate
- See website for Details*
FIT™ Platinum Mastercard®
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Credit Recommended
- Fair/Poor/Bad
- Regular APR
- 35.90% Fixed
- Annual Fee
- See terms
- Return Payment Fee
- Up to $41.00
- Late Payment Fee
- Up to $41.00
Applied Bank® Unsecured Classic Visa® Card
- Get Pre-Qualified in Less Than a Minute
- A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
- A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
- No Penalty Rate. Your Rate Won't Go Up Even If You are Late
- Access Additional Credit With On-Time Payments and Responsible Usage
- A True Unsecured EMV enabled (chip) Visa Credit card
- Does not require perfect credit for approval
- Fixed APR and Manageable Monthly Payments
- Credit Recommended
- Poor/Damaged Credit
- Regular APR
- 29.99%
- Late Payment Fee
- Up to $38
- Return Payment Fee
- Up to $38
- Card Brand
- Visa®
OpenSky Launch Secured Visa® Credit Card
- Excellent option for a low fully refundable security deposit, get started with just $100
- Earn up to 10% cash back on everyday purchases
- Minimum payment as low as $10
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit
- Credit Recommended
- No credit, Poor, Fair
- Regular APR
- 29.24% (variable)
- Annual Fee
- $24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
- Credit Line
- $100- $1,000
Excellent Credit Cards
- Take advantage of your excellent credit to get the best rates and rewards
- Enjoy low rates and rewards for everyday spending
- Excellent credit can lead to higher credit lines
- Earn cash back, points or miles to redeem for travel, gift cards or cash rewards
- Bonus offers – up to 50,000 points or miles
- Terms vary by partner. Please see individual application for product terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Credit Cards for Excellent Credit from participating partners
- Credit Recommended
- Good/Excellent
- Intro (Purchases)
- See website for Details*
- Intro (Transfers)
- See website for Details*
- Regular APR
- See website for Details*
- Annual Fee
- See website for Details*
