The Final Information on How To Earn Miles and Factors With no Credit score Card

Do you know you possibly can earn miles and factors with no bank card? Yep, you possibly can earn hundreds of rewards factors with out signing up for a bank card.

A bank card signup bonus is the quickest solution to earn journey rewards particularly if you wish to earn a Southwest Companion Go and get free flights for as much as two years, however it’s not the one solution to earn frequent flyer miles and bank card factors.

You possibly can earn frequent flyer miles with out flying. Listed here are 20 other ways to earn rewards factors with no bank card.

beach hammock hanging from palm tree in front of overwater bungalows; earn miles and points without a credit card

Purchasing Portals

laptop computer displaying mango pants; how to earn miles and points without a credit card with shopping portals

Purchasing at residence in your pajamas is a simple solution to earn airline miles and lodge factors. Most airways have a procuring portal. Not solely is procuring via a portal handy, however it is usually a simple solution to lengthen the lifetime of your airline miles and hold lodge factors from expiring.

On-line procuring portals supply the biggest bonuses throughout sure instances of the yr similar to Christmas, Valentine’s Day, Again to College procuring, Black Friday, and Cyber Monday. It’s a good suggestion to verify your favourite airline procuring portal if procuring throughout considered one of these occasions.

You possibly can earn as much as 36 miles per $1. Most shops supply a sure variety of factors per greenback spent. However some retailers supply a flat mile/level quantity per buy. You earn 6,200 miles at AT&T, 5,700 miles at Verizon, and seven,400 miles for a Motley Idiot subscription.

Provides change regularly, so verify the airline procuring portals typically. Use the Final Minute Offers Further factors hyperlink to search out shops providing essentially the most factors and miles.

Professional-tip: Lots of the airline procuring portals have the identical retailers however the bonuses might differ. For instance, you solely get 3,900 United miles, 4,500 Delta miles for a Motley Idiot subscription, and 5,400 Southwest factors in comparison with 7,400 American miles. So it’s a good suggestion to match earlier than putting your order.

When evaluating many websites to search out the very best bonus, it can save you time and use CashBack Monitor. Enter the shop identify and also you’ll see an inventory of the portals and what number of factors per greenback you’d earn.

Airline Purchasing Portals

Lodge Purchasing Portals

Eating Rewards Applications

four people eating on black wooden table; how to earn miles and points without a credit card with dining rewards

One in every of my favourite methods numerous airline miles is by collaborating within the eating rewards program. It’s an easy solution to earn miles.

The typical family spends $3,526 a yr eating out. With most airline eating applications, you earn as much as 5 miles per $1 spent together with taxes and ideas. This implies you’d get 17,630 airline miles a yr!

I eat at collaborating eating places after I exit to dinner, even whereas touring as a result of each mile and level counts. It means one other free journey to Hawaii, First Class Flight on Lufthansa, or trip in Australia.

Join with the airline eating rewards program of your alternative and register your debit or bank card.

Professional-tip: You possibly can be a part of all of the eating rewards applications however you possibly can solely register the identical bank card with one program. All of the eating applications are operated by Rewards Community (previously iDine; often known as Neighborhood Nosh if you wish to earn money again as an alternative of miles) so the system will acknowledge the duplicate card and also you received’t earn miles in each applications.

Miles publish to your frequent flyer account inside a number of enterprise days.

Professional-tip: You possibly can earn extra miles and factors by stacking affords. Register and pay with playing cards that provide bonus factors at eating places just like the Chase Sapphire Reserve or American Categorical Gold. When you want 4{6f7c87ca193d6ba59e5064297d3063cc4b52cfa89e05e975c09c519ae0408861} cashback on eating, use the Capital One Savor Money Rewards.

For extra methods to journey hack airline eating applications and maximize the variety of miles and factors you earn, learn the whole lot it’s essential know the best way to earn miles with airline eating applications.

Airline and Lodge Promotions

You don’t want a bank card to earn miles and factors with airline and lodge promotions.

From incomes bonus factors for flights and lodge stays to incomes factors for eating out at resorts, you possibly can rack up hundreds of additional miles and factors.

United Airways is providing focused bonuses of as much as 5,000 miles to pick out MileagePlus members.

Present lodge promotions embody triple factors at IHG resorts, double factors on Hilton stays, triple factors on eating at Hyatt resorts while you aren’t a visitor, 500 factors per night time while you keep at choose new Hyatt resorts, double elite qualifying nights at Andaz, and a couple of,000 factors per night time for stays at Courtyard by Marriott.

Signal as much as obtain emails from the airways and resorts so that you don’t miss out on any promotions.

Professional-tip: Most promotions have registration necessities. It’s a good suggestion to register for each promo whether or not you could have deliberate journey as a result of your plans might change.

Automobile Leases

orange van with surfboard on top; earn miles and points without a credit card with car rentals

Automobile leases are a simple solution to earn journey rewards. Lots of the automobile leases businesses have partnership agreements with airways and resorts. One rental, even a $5 a day automobile rental, can earn hundreds of miles or lodge factors.

Most leases require a minimal rental interval of two days. However typically you get fortunate and may discover nice offers.

Look ahead to particular promotions. Avis had a promotion of three,000 American Airways for every rental with a minimal 1-day rental. I dwell near an airport so I rented a special automobile a day for a month and earned 93,000 miles

Professional-tip: Some automobile rental corporations add a small each day surcharge for incomes miles and factors. So examine charges with and with out the airline or lodge low cost code.

Lodge Reservations

You possibly can earn airline miles and lodge factors out of your lodge reservations.

Many of the airline loyalty applications companion with resorts so that you’ll earn miles to your keep. You’ll earn 2 miles for every greenback spent at Marriott, IHG, and Wyndham resorts and 500 miles at Hyatt resorts. Southwest offers you 600 factors for stays at Finest Western, Marriott, MGM Resorts (together with Las Vegas 😉), World of Hyatt.

If you wish to earn essentially the most miles, don’t have elite lodge standing, or care about incomes lodge elite qualifying nights use PointsHound or Rocketmiles. You’ll earn as much as 10,000 miles per night time on lodge reservations.

Professional-tip: When you select to earn airways miles to your lodge keep, you possibly can’t double dip and likewise earn lodge factors and keep credit score. There’s one program the place you possibly can tripledip.

The tripledip ended a number of years in the past however with the latest change in journey, it’s again! The tripledip been again for no less than a yr. You’ll earn Hyatt factors, Southwest factors, and Mlife factors. Hiya, World of Hyatt Globalist standing. Hiya, Southwest Companion Go.


A simple solution to earn further miles and factors is to journey with Lyft.

You earn 2 Delta Airways miles per $1 on all airport rides and 1 Delta mile per $1 on all different rides. Suggestions, tolls, and taxes aren’t included.

When you want lodge factors, you possibly can earn 3 Hilton factors per $1 spent on Lyft economic system, luxurious, and extra-seat rides. Sharing a journey? You’ll earn 2 factors per $1.

It’s important to select between Delta miles or Hilton factors. You possibly can’t earn Delta miles and Hilton factors for a similar journey anymore. Hilton shut down that double dipping alternative.

Professional-tip: You possibly can solely earn Hilton factors on a complete of $10,000 in Lyft rides every year.

You possibly can earn 10 factors per $1 when utilizing Lyft and paying together with your Chase Sapphire Reserve and 5 factors per $1 with the Chase Sapphire Most popular via March 2022.


You possibly can earn bonus airline miles and factors while you e-book a trip. The quantity of miles you earn varies relying on the airline.


white ship on sea during sunset; earn miles and points without a credit card with cruises

Able to set sail? Once you e-book a cruise you’ll earn factors and miles.

You’ll earn Alaska Airways miles for reserving a cruise via AKOnly. The precise variety of miles varies relying on the cabin sort and cruise line.

Once you e-book a cruise via AA cruises, you’ll earn 1 American Airways mile per $1 as much as 10,000 miles. In case you have an American Airways card, you’ll earn an extra mile per $1, as much as 20,000 miles.

You possibly can earn 1,500 Delta Airways miles on all cabins and as much as 30,000 miles for balcony or suite cabins in your cruise. United affords as much as 7 United miles for every $1 spent in your cruise, as much as 45,000 United miles.

Earn bonus lodge factors while you e-book a cruise. You earn 2,000 Hilton factors per cruise and three Marriott factors per $1 as much as 30,000 Marriott factors.

Wine Membership Membership

Wine not? With a wine membership membership, you’ll simply earn miles each month. Vinesse Wines companions with a number of airways and resorts.

When you select Alaska Airways, American Airways, or Spirit Airways, you’ll earn 2,000 miles to your first Vinesse Wines cargo, 3,000 miles to your second cargo, and 5 miles per $1 spent each month after.

You’ll earn 5,000 Delta miles after your first two shipments and 5 miles per $1 spent each month after.

Deciding on United miles you earn 2,500 miles on our first cargo, 4,000 miles in your second, and seven miles per $1 for every cargo after.

When you’d moderately earn lodge factors in your wine shipments, you’ll earn 1,000 Selection factors to your first cargo and seven factors per $1 for every cargo after. Or you possibly can earn 3,000 IHG factors in your first cargo and 10 factors per $1 thereafter.

You earn 12,500 Radisson Rewards factors together with your first wine cargo, 7,500 factors in your second cargo, and 5 factors per $1 every month after.

Finest Western factors will be onerous to earn except you keep at Finest Western resorts or have the bank card. However with a Vinesse Wines wine membership membership you earn 5,000 factors in your first cargo and 20 factors per $1 each month thereafter.

Amtrak factors are additionally onerous to earn with out prepare journey or the bank card. You’ll earn 1,000 factors to your first Vinesse Wines cargo and three factors per $1 every month on all shipments.

Take Surveys

In case you have free time you possibly can take surveys and earn lodge factors and frequent flyer miles.

The quantity of miles you’ll earn varies relying on the survey. Some surveys are quick however others are lengthy. So you could possibly spend a whole lot of time answering questions with out incomes a whole lot of factors and miles.

Save time by multitasking: watch TV when you full a survey.

Professional-tip: Earn much more miles and factors by registering with a number of survey applications. Simply keep in mind to make use of a special e mail deal with for every program.


It’s straightforward to earn miles and factors paying your electrical and fuel payments. However you can even earn miles and factors by switching your utilities.


You possibly can earn 12,500 American miles after two months while you swap your electrical energy to NRG. Add pure fuel and get 2,500 miles. Each month you earn 2 miles for each $1 spent.


New Reliant customers earn 15,000 Southwest factors or United miles and 500 factors or miles every month for twenty-four months.

XOOM Power

You’ll earn 10,000 American AAdvantage miles after 2 months as a XOOM Power electrical buyer and 5,000 AAdvantage miles after 2 months as a XOOM Power residential fuel buyer. You earn 2 miles per $1 when paying your electrical and fuel invoice.

Different Electrical and Fuel Corporations

You’ll earn 2 Delta miles for each $1 spent on Georgia Pure Fuel, Grand Rapids Power, Illinois Power, Illinois Power Options, and Ohio Pure Fuel.

Scholar Loans

When you’re caught making pupil mortgage funds, you possibly can refinance your pupil loans via SoFi and earn 1 Alaska Airways mile for each $2 as much as 50,000 miles. So your $100,000 in pupil loans can get you a free roundtrip Enterprise Class ticket on Cathay Pacific or two roundtrip tickets to Europe.

Private Loans

neon money to loan sign at night on a building; earn miles and points without a credit card with personal loans

In case you have debt you possibly can’t shake and aren’t capable of get a steadiness switch card with 0{6f7c87ca193d6ba59e5064297d3063cc4b52cfa89e05e975c09c519ae0408861} intro APR, one choice is to take out a private mortgage. Fortunately, you possibly can earn miles in your private loans.

You’ll earn 1 American mile for each $1 you borrow from LendingClub, as much as 40,000 miles.

SoFi affords 1 Alaska Airline mile for each $2 in private loans, as much as 50,000 miles.

Checking and Financial savings Accounts

You possibly can earn miles and factors from checking and financial savings accounts. Just a few airways take part so it’s not as scalable or obtainable to everybody. However for many who are eligible, these checking and financial savings accounts might be price contemplating.

Bask Financial institution

As a Bask Financial institution financial savings account holder you earn 1 American Airways miles for every greenback saved primarily based in your common month-to-month steadiness.

You possibly can earn 1,000 bonus miles for those who open an account earlier than December 31, 2021, deposit $5,000 inside the first 30 days, and hold no less than a $5,000 each day steadiness for 90 out of the primary 120 days.

When you hold $25,000 miles in your financial savings account and by no means withdraw any cash, you’ll earn 25,000 American miles for the yr.

Professional-tip: When you take cash out of your account, it reduces the variety of miles you earn every month.

Miles publish to your American Airways AAdvantage account on the fifth of the next month.

Bask Financial institution will challenge you a 1099-INT for the worth of earned miles.

Truist (previously SunTrust Financial institution)

In case you have an account with Truist, you may get a Delta Airways mileage incomes debit card. Truist Dimension Checking account holders (previously SunTrust Benefit Checking account holders) can get a Delta SkyMiles World Debit Card. Enterprise homeowners with a Truist Dynamic Enterprise Checking account can get a Delta SkyMiles Enterprise Debit card.

You earn a 5,000 mile signup bonus after your first buy inside 90 days. These playing cards earn 1 mile for each $2 spent and an additional mile on Delta purchases.

There’s a restrict on what number of miles you possibly can earn every month. The Delta SkyMiles World Debit Card has a cap of 4,000 miles monthly and also you’re restricted to 2,000 miles monthly on the Delta SkyMiles Enterprise Debit card.

Truist might ship you a 1099-INT if the worth of miles earned exceeds $600.

The Delta SkyMiles World Debit Card has an annual charge of $95. The annual charge on the Delta SkyMiles Enterprise Debit card is $120.

Professional-tip: It could make extra sense to get a Delta SkyMiles bank card. You’ll earn a bigger welcome bonus and earn extra miles per greenback spent, together with bonus classes.

Financial institution of Hawaii

Financial institution of Hawaii affords a Bankoh Hawaiian Airways Visa Debit Card for checking account members. They used to supply a enterprise model however it’s discontinued.

You earn 1 mile for each $2 spent with an incomes restrict of 1,000 miles monthly. As a substitute of an annual charge, you pay $3 a month.


You possibly can earn hundreds of American Airways miles or Citi ThankYou factors opening a checking or financial savings account with Citibank.

Citibank used to supply these bonuses typically however recently, they’ve been doing money affords. If/once they resume, they may challenge you a 1099-INT for the worth of the miles you earn.

Mortgage or Refinance

white and red wooden house miniature on brown table; earn miles and points without a credit card with  mortgage or refinance

Taking out a mortgage or going via a refinance received’t be as painful while you earn miles.

You possibly can earn American AAdvantage miles with American Dwelling Miles while you purchase, promote or refinance your own home. You’ll earn 5,000 miles for each $25,000 of residence worth purchased or offered. For refinances, you’ll earn 1,250 miles for each $10,000 refinanced.

When you use all three providers (purchase, promote, and refinance), you’ll earn a bonus of 25,000 American Airways miles.

There’s no restrict to what number of miles you possibly can earn however the home has to have a minimal worth of $75,000.

You’ll earn 25,000 United MileagePlus miles while you get a mortgage or refinance with Rocket Mortgage (previously Quicken Loans).

Professional-tip: As with among the automobile rental corporations, chances are you’ll pay the next price to earn miles in your mortgage or refinance.

Enterprise Frequent Flyer Applications

Among the airways have a separate enterprise frequent flyer program that allows you to earn further factors on prime of the miles you earn to your flights.

With the American Airways Enterprise Further, you earn 1 level for each $5 spent on flights with American Airways, American Eagle, British Airways, Iberia, and Japan Airways. You’ll additionally earn factors on choose Finnair and Qantas Airways flights.

Underneath the Delta SkyBonus program, you earn as much as 30 factors per $1 on Delta Air Traces, AeroMexico, Air France, KLM Royal Dutch Airways, Virgin Atlantic, and choose SkyTeam companion flights.

United PerksPlus permits you to earn as much as 6 factors per $1 on flights with United, United Categorical, All Nippon Airways (ANA), Austrian Airways, Brussels Airways, Lufthansa, and Swiss Worldwide Air Traces.

Charitable Donations

person showing both hands with make a change note and coins; earn miles and points without a credit card with charitable donations

Do good and earn airways miles for charitable donations. You get 10 American AAdvantage miles for each greenback over $25 that you just donate to Stand As much as Most cancers. There is no such thing as a restrict to what number of miles you possibly can earn to your donation.

Professional-tip: Stand As much as Most cancers values every American mile at 3 cents. Issue this in when calculating your tax deduction.

You’ll earn as much as 15 miles per greenback for donations of $100 or extra to the Nationwide Basis For Most cancers Analysis.

  • Alaska Airways (earn as much as 1,000,000 miles per account per yr)
  • American Airways (earn as much as 1,000,000 miles per account per rolling yr)
  • Delta Air Traces (earn as much as 500,000 miles per account per yr)
  • United Airways (earn as much as 250,000 miles per account per rolling yr)

Professional-tip: You possibly can quadruple dip and make donations from all 4 collaborating airways. They settle for PayPal. It is a wonderful means to make use of present playing cards bought throughout no-fee gross sales.

Refer Pals

You’ll earn lodge and bank card factors while you refer buddies.

You’ll earn as much as 50,000 Marriott factors while you invite buddies to affix the Marriott Bonvoy program. You get 2,000 factors for the primary 5 stays for as much as 5 buddies. And your folks earn 2,000 factors after their first 5 stays.

Virtually each bank card affords bonus factors while you refer buddies. You possibly can earn as much as 100,000 factors a yr while you share your private hyperlink with household and buddies.

The one limitation, you want a bank card to refer buddies to earn the bonus factors.

Professional-tip: The banks will challenge you a 1099 for the worth of your factors.

Technically, this doesn’t fall into the earn factors with no bank card class however as a result of you can even earn lodge factors by referring buddies, I’m together with it.

Plan a Assembly or Occasion

people sitting on chairs while writing on notebooks; earn miles and points without a credit card with plan a meeting or event

You’ll earn hundreds of factors while you plan a gathering or occasion.

Hilton affords 1 level per $1 as much as 100,000 Hilton factors for conferences and occasions. Internet hosting an occasion or assembly at World of Hyatt resorts earns as much as 50,000 factors.

You’ll earn 2 Marriott factors per $1 to 60,000 factors per occasion on room, meals, beverage, and audio/visible costs. Titanium members earn as much as 105,000 factors per occasion and as much as 20 elite night time credit per occasion. As a Titanium member, you possibly can select to earn 20,000 airline miles as an alternative of factors.

United MileagePlus X App

With the United MileagePlus X app (United MXP) you possibly can earn United miles at collaborating retailers.

Use the app whereas making in-store purchases and earn as much as 5 miles per $1. By way of the app, you purchase a present card for the quantity of your buy (utilizing a linked bank card) and present the code to the cashier.

For any returned gadgets you’re issued a retailer present card.

Professional-tip: You don’t earn any class bonuses when paying with an American Categorical card. But when do with any Chase card that has a bonus class just like the Chase Sapphire Most popular. You earn 25{6f7c87ca193d6ba59e5064297d3063cc4b52cfa89e05e975c09c519ae0408861} extra miles paying together with your United Quest, United Explorer, UnitedClub Infinite Card, United Gateway Card, or United Enterprise Card.


You possibly can journey at no cost and earn miles and factors with no bank card. Bank card signup bonuses are the quickest solution to earn journey rewards. However it isn’t the one means.

There are 20 easy methods to earn hundreds of airline miles and lodge factors with out signing up for brand spanking new bank cards. A number of are issues that you just’re already doing and most don’t require you to spend extra cash. Easy issues like filling out surveys, referring buddies. utilizing a web based procuring portal, going out to eat, or switching your utility supplier.

What are your favourite methods to earn miles and factors?

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Southwest Speedy Rewards Precedence Card

TSouthwest Speedy Rewards Precedence Card’s latest signup bonus can get you as much as 2 years of free flights! The welcome supply is 100,000 factors: 50,000 factors after spending $2,000 within the first three months; one other 50,000 factors after spending a complete of $12,000 within the first 12 months.


My favourite perks about this card are incomes 3X factors on Southwest purchases, 2X factors on web, cable, cellphone, streaming, journey share, and Speedy Rewards lodge and automobile rental companions, $75 yearly journey credit score, 4 upgraded boardings every year, and no overseas transaction charges.


Chase Sapphire Most popular

The Chase Sapphire Most popular is one of the best card for starting journey hackers. It’s the first card it’s best to get to begin touring at no cost as a result of the welcome supply is 60,000 factors after spending $4,000 within the first three months.


My favourite perks about this card are incomes 5X factors on journey when booked via the Chase portal (2X if direct buy), 3X factors on eating , $50 yearly credit score on resorts booked via the Chase portal, no overseas transaction charges, and transferring factors to 13 airline and lodge companions like Hyatt, United, and Southwest.


Chase Freedom Limitless

The Chase Freedom Limitless is considered one of my favourite playing cards for incomes money again card and journey rewards. It affords a welcome supply of $200 after spending $500 within the first three months.


My favourite perks about this card are incomes 5{6f7c87ca193d6ba59e5064297d3063cc4b52cfa89e05e975c09c519ae0408861} money again at grocery shops the primary 12 months (as much as $12k), limitless 1.5{6f7c87ca193d6ba59e5064297d3063cc4b52cfa89e05e975c09c519ae0408861} money again on all purchases and no annual charge. When paired with playing cards just like the Chase Sapphire Reserve, you should utilize your factors to journey at no cost.


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