Why Mommy Points?

May 6, 2011

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In my spare time (what exactly is spare time??) I LOVE reading blogs.  I love the peek into another person’s world.  It’s kind of like going for a walk around your neighborhood just as the day is turning into night and peering inside the windows of all the other houses as you stroll by.  You don’t get to see the full happenings of their world, but you see a snipit.  That snipit may remind you of what happens in your own house, may inspire you to do what they are doing, may make you laugh at the absurdity of what you see, or may just be something you stare blankly at as you continue on your journey.  Regardless, it is still interesting and I love to look……or in the case of the internet, read, about other’s lives and journeys.  My two favorite blog topics to read are about being a mom to a young kiddo and traveling.  Specifically, traveling without spending a dime by using points and miles.  In my blog travels around the internet I haven’t found a blog that brings these two topics together.

Most of the blogs about being a mommy or having young children stay pretty focused on topics such as funny/cute things their kiddos did, the daily stressors of being a mom, products that are super helpful to have, clothes their kiddos wears, etc…..  The travel blogs that focus on points and miles seem to be geared for middle aged men who travel a fair amount for business,  have the time and money do to things such as mileage runs (I’ll explain later), order gold coins to gain extra points (way too complicated for me), etc……  In my less busy years I might have been all over some of those get points quick schemes, but in my mommy years I have less expendable cash, less spare time, and a greater need than ever for an affordable way to travel.

I talk to anyone who will listen, and even some who won’t,  about easy ways to earn points and miles for things you do every day and then turn around and use them for free or reduced cost vacations.  People are shocked on a regular basis at how my family is able to do what we do and go where we go just be being strategic about what credit cards we use, what promos we register for, and where we shop.  I also talk to anyone who will listen about my rock star, adorable, beautiful, fantastic, mischievous, humorous, smarter-than-my-own-good 16 month old.  I even talk to her about points – yes, I am crazy.  My hope is that you can learn from my crazy and help your family do more and travel even farther just by making some small adjustments to the things you already do and buy everyday.  You’ll probably get some small snippits into our crazy, points filled, toddler driven life along the way.  Welcome!

Bank of America® Premium Rewards® Visa® credit card

This card from Bank of America gets really interesting if you have a BofA checking, savings or investment account. Depending on the value of your combined accounts you can potentially get as much as 3.5x points on travel/dining and 2.625x points on other purchases making it the richest consumer banking bonus out there.

Apply Now
More Things to Know
  • Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Intro APR on Purchases
N/A
Regular APR
17.74% - 24.74% Variable APR on purchases and balance transfers
Annual Fee
$95
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Recommended Credit
Excellent/Good

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