Taking my father to Ireland — reader success story

Sep 9, 2019

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Today I want to share a story from TPG reader Ryan, who saved over $1,000 on airfare by booking an economy award to Europe:

One goal of mine since graduating college was to travel the world and experience new cultures; first on my list was to visit Ireland with my father. During my senior year, I started following The Points Guy and saw the value I could get from credit card points. I had started a photography business in school, so I decided to apply for my first business credit card and got the American Express® Business Gold Card. The welcome bonus was 50,000 points after spending $5,000 in the first three months (this offer is no longer available), and I got the card knowing I would be making a large investment in camera gear.

After I hit the minimum spend requirement, I had a balance of 57,000 Membership Rewards points. Flights to Ireland after my graduation in May were around $650 round-trip for economy seats, but I saw that May was considered off-peak season, and round-trip flights when booking with Avios cost 26,000 points per person. I had to call to book the award, but the process only took 30 minutes. With taxes and fees, I paid 52,000 points and $123 per person, so I was able to save over $1,000 total by booking with points!

Avios is a peculiar loyalty currency because it’s used by multiple frequent flyer programs. Those programs are interchangeable to a degree, since you can transfer points between them. However, each one has its own award chart with distinct sweet spots, partners, routing rules and surcharges, so it’s important to know how to maximize them individually. Ryan’s award is a good example, since British Airways and Aer Lingus charge the same number of points for Aer Lingus flights between Ireland and many North American destinations, but Aer Lingus charges nearly double in taxes and fees. By booking through British Airways, Ryan saved roughly $300 extra.

To open a business credit card, you’ll need to have an actual business, but it doesn’t have to be a full-time, brick and mortar operation. Plenty of part-time gigs and other small enterprises could qualify, like an Etsy shop or freelance work. It’s worth finding out if you’re eligible not only because business cards offer a variety of strong benefits and sign-up bonus offers, but also because these cards typically don’t show up on your personal credit report. That means activity on your account won’t impact your credit score, and opening new accounts won’t count against you with regard to some application restrictions.

Related: 9 Reasons to Get a Business Credit Card

I love this story and I want to hear more like it! In appreciation for sharing this experience (and for allowing me to post it online), I’m sending Ryan a gift card to enjoy on future travels, and I’d like to do the same for you. Please email your own award travel success stories to info@thepointsguy.com; be sure to include details about how you earned and redeemed your rewards, and put “Reader Success Story” in the subject line. Feel free to also submit your most woeful travel mistakes. If your story is published, we’ll send you a gift to jump-start your next adventure. Due to the volume of submissions, we can’t respond to each story individually, but we’ll be in touch if yours is selected.

Safe and happy travels to all, and I look forward to hearing from you!

Featured photo by diogo palhais/Unsplash

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

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.