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If you love to travel, choosing a credit card that offers airline miles, hotel points or other such rewards is a natural fit. But a new study from personal finance site NerdWallet reveals that 83 percent of us apply for cards at the wrong time — and miss out on an average of nearly $200 in rewards.

credit cards and hundred dollar bills


According to the study, most credit card issuers offer sign-up bonuses once or twice a year, and these feature anywhere from 5,000 to 50,000 more points than you’d normally get as a new cardholder. If you miss the promotional bonuses, you’re sacrificing an average of 15,338 points, according to the study. At $1.16 per point or mile, on average, this is $177 in cash that you’re missing out on.

So when should you apply? NerdWallet found that most airline and general travel cards put out promotional offers in November, while hotel card offers peak in August. If you’re loyal to a particular issuer, keep an eye out for Chase promotions in August and November, Citi promotions in October and November and American Express promotions in August and September.

Given the data, it seems logical to wait to apply for a travel card until late summer or fall, when you can maximize the benefits, but NerdWallet offers one caveat. If you don’t already have a travel credit card, waiting for months to apply for one can cost you even in missed rewards, depending on your average monthly spending — so do the math before you decide.

NerdWallet recommends that you apply for a rewards card at least five months before your next trip. It typically takes a couple of weeks to receive the card and three months to earn the sign-up bonus, and then you’ll want to book your trip at least six weeks in advance for the best possible prices. (We’d recommend booking earlier than that for international trips. See Want the Lowest Fare? Here’s When to Book.)

Do you currently use a travel rewards card?

10 Travel Money Mistakes to Avoid
Travel Budget Calculator: What Will Your Next Trip Cost?

— written by Sarah Schlichter

This Friday’s challenge is a photo of an unidentified place somewhere in the world. Can you tell us where the photo was taken? Leave your guess in the comments below — and check back on Tuesday to see if you were right!

world destination


Hint: This sculpture of a disembodied hand has been reaching out of one of the world’s largest deserts since 1992.

Enter your guess in the comments below. You have until Monday, April 4, 2016, at 11:59 p.m. ET to post your response. We’ll keep all comments private until then. On Tuesday we’ll choose one winner at random to receive an IndependentTraveler.com prize. Note: Although all are welcome to play, we can only ship prizes to the Continental U.S.

Editor’s Note: This contest has ended. The winner is Pooja Pasawala, who correctly guessed that this week’s mystery location was the Atacama Desert in Chile. Pooja has won an IndependentTraveler.com logo item. Congratulations! Stay tuned for more chances to win.

See All “Where in the World?” Challenges

— written by Sarah Schlichter

Catch up on the most interesting travel pieces you may have missed this week.

street in trinidad cuba


Please Stop Saying You Want to Go to Cuba Before It’s Ruined
In this incisive op-ed for Flood Magazine, a Cuban writer challenges the widespread view of Cuba as a romanticized, “stuck in time” destination that’s going to be ruined by a wave of mass tourism from the U.S. “What exactly do you think will ruin Cuba?” Natalie Morales writes. “Running water? Available food? … Access to proper healthcare?” It’s a must-read for anyone interested in visiting Cuba and seeing what it’s truly like to live there. (Warning: There’s some colorful language.)

Meet a Traveler: Michael Palin, National Treasure on Loan to the World
Lonely Planet interviews comedy legend and frequent traveler Michael Palin, who sounds off on his favorite places around the world, the best souvenir he ever brought home and his most challenging travel experience (which involved tainted camel liver).

Inside the Radical Airline Cabins of the Future
Vogue offers an intriguing look at how airplanes might be designed in the future. Windowless cabins? Stackable sleeping pods? A small viewing bubble on top of the plane? Welcome to a brave new world.

In Praise of Small-Town Travel
National Geographic celebrates the pleasures of visiting towns and villages rather than just big cities, including the slower rhythms of life and the chance to connect with local people. The writer also recommends her favorite small towns on each continent.

Doctors Share What Really Happens When There’s an Emergency Mid-Flight
Conde Nast Traveler interviewed several medical professionals to gather these stories of in-flight emergencies. One doctor delivered a baby; another couldn’t save a patient but used the tragedy to petition the U.S. government for a requirement that all planes have defibrillators and expanded medical kits. (Fortunately for all of us, he was successful.)

Shhh! Take a Peek at 15 of the World’s Most Exquisite Libraries
Book lovers will swoon over this CNN slideshow featuring photos of incredible libraries around the world, from Spain to South Korea.

The Abandoned Mansions of Billionaires
BBC Travel takes us into the fascinating Shekhawati region of Rajasthan, India, where a collection of opulent havelis (mansions) are falling into decay. Covered with magnificent frescoes, these buildings are only just starting to be preserved as museums or heritage hotels.

The Travel Industry Now Supports Nearly 10 Percent of World’s Jobs
Those of us who love to travel are in good company. Skift reports that more than a billion people traveled internationally last year, contributing to a tourism industry that provided jobs for one out of every 11 people worldwide.

Have a laugh over this week’s video from Jurys Inn, an Irish hotel chain, which has invented the “suvet” — a suit made of a hotel duvet. Looks pretty comfy!


— written by Sarah Schlichter

Each month, we’ll highlight one new trip review submitted by an IndependentTraveler.com reader. If your review is featured, you’ll win an IndependentTraveler.com logo item!

iceland ice cave


In this month’s winning review, a traveler explores Iceland’s natural beauty during a wintry off-season trip. “Inside the Ice Cave was AMAZING,” writes John Connaughton. “Beautiful blue ice, as well as some clear and some coated in white from the snow. We crawled further in to a second chamber where you could again stand up. We took a lot of pictures in the Ice Cave and this was the highlight of our trip.”

Read the rest of John’s review here: Our Iceland Trip in Detail. This reader has won an IndependentTraveler.com duffel bag!

Feeling inspired? Write your own trip review!

— written by Sarah Schlichter

This week’s travel puzzle is part of our ongoing Flag Friday series of challenges. Can you identify which nation the following flag belongs to?


Enter your guess in the comments below. You have until Monday, March 28, 2016, at 11:59 p.m. ET to post your response. We’ll keep all comments private until then. On Tuesday we’ll choose one winner at random to receive an IndependentTraveler.com logo item. Note: Although all are welcome to play, we can only ship prizes to the Continental U.S.

Editor’s Note: This contest has ended. The winner is Kerry, who correctly guessed that this week’s flag was from Kiribati. Kerry has won an IndependentTraveler.com logo item. Congratulations!

— written by Sarah Schlichter

Check out the best travel content you might have missed this week.

tour guide and group


How to Be the Kind of Tourist Tour Guides Love
This Washington Post story by a tour guide in Paris offers practical advice every traveler should know before joining a group tour. (Example: “Don’t distract your guide when she is doing something tricky, like negotiating a busy traffic intersection on a bicycle tour, or setting up safety lines during a rappelling excursion. Your safety may depend on her concentration.”)

Planning the Spontaneous
In an essay for Travel Weekly, legendary travel writer Paul Theroux reveals how he prepares for his trips, including how he chooses destinations, what he reads before he goes and how he answers the “occupation” question on visa applications. (Also worth a read: Theroux’s interview with Travel Weekly about his recent trip to the Deep South.)

Why Your Next Hotel Will Be Staffed by Robots
CNN reports on the growing trend of automation in the travel industry, from robots checking people into hotels to automated bartenders on Royal Caribbean cruise ships. The story explores how far the technology might go; could tour guides be replaced by machines? While we’re all for efficiency, we hope travel never loses its personal touch.

Why Is Traveling Alone Still Considered a Risky, Frivolous Pursuit for Women?
This provocative essay in the Guardian was sparked by the deaths of two young Argentinian women who were murdered during a backpacking trip in Ecuador. The writer questions why many people’s response to the tragedy was to ask why the women were traveling “alone” and examines the double standards that women travelers face.

This New Blended Cabin Could Introduce the World’s First Lay-Flat Premium Economy Seat
For those of us who can’t afford to fly in first or business class, this creative premium economy cabin design could put lay-flat seats within reach on long flights. Skift examines the proposal from a company called Formation Design, which would blend business-class private suites with premium economy lay-flat seats in the same cabin.

After Brussels, Why Travel Is More Important Than Ever
The Editor-in-Chief of Travel + Leisure offers a compelling argument for why we should continue to travel in the face of ongoing terrorist attacks: “Travel fosters human understanding, and empathy for people whose lives are unlike your own. … Travelers are, ultimately, the enemies of terrorists, and what they believe works against terrorists’ aims, person by person and little by little.”

Starwood Signs First U.S.-Cuba Hotel Deal Since 1959 Revolution
The Cuba news keeps on coming. Reuters reports that Starwood is the first U.S. hotel chain to sign a deal with Cuba since the 1959 revolution; the chain will manage two Havana hotels, with a third likely on the way.

Warning: This week’s video might make you cry. It’s from Expedia, which is using virtual reality technology to bring the world to kids at St. Jude Children’s Research Hospital who are too sick to travel.


Single Travel: Tips for Going Solo
When Do You Need a Tour Guide?

— written by Sarah Schlichter

We’re celebrating the start of spring by daydreaming about … what else? … travel. Feast your eyes along with us on these incredible spots to see spring flowers around the world.

netherlands tulips windmill


Tulip fields bloom each spring across the Netherlands.


flowering trees nami island south korea


Flowering trees line a path on Nami Island, South Korea.


poppies california coast


Poppies add a dash of color to the California coast.


lupines lake tekapo new zealand


Lupines create a vibrant carpet beside Lake Tekapo, New Zealand.


tuscany italy spring flowers


Tuscany’s rolling hills are blanketed with spring flowers.


jefferson memorial cherry blossoms washington dc


Cherry blossoms wreath the Jefferson Memorial in Washington D.C.


Where should you travel this spring? Take our new quiz!

— written by Sarah Schlichter

This week’s puzzle is a word scramble. Below are the jumbled names of four major cities from around the world, followed by the country where they’re located. Your job is to unscramble them. For example, “IALM, EURP” would be “Lima, Peru.” Identify all four mystery cities to win.

BRWDNTGIEO, BABASODR

IVLVTEA, RELSIA

NAHETS, EEGCER

ARACC, HAAGN


Enter your list of unscrambled cities in the comments below. You have until Monday, March 21, 2016, at 11:59 p.m. ET to post your response. We’ll keep all comments private until then. On Tuesday we’ll choose one winner at random to receive an IndependentTraveler.com logo item. Note: Although all are welcome to play, we can only ship prizes to the Continental U.S.

Editor’s Note: This contest has ended. The winner is J Hammons, who has won an IndependentTraveler.com logo item. Congratulations! Check out the puzzle answers below.

BRIDGETOWN, BARBADOS

TEL AVIV, ISRAEL

ATHENS, GREECE

ACCRA, GHANA


— created by Sarah Schlichter

Check out the best travel content you may have missed this week.

mosque shiraz iran


Iraq? Crimea? Mali? Could These Be Travel Hotspots of the Future?
CNN offers an intriguing look at eight places that are currently troubled (for various reasons) but could turn into popular tourist destinations within a few decades.

Travelers Share Photos of the People They’ve Met Around the World
Mashable rounds up a few of the most incredible portraits submitted for Intrepid Travel’s “faces of the world” photography competition, capturing people in India, Cuba, Jordan, Papua New Guinea and more.

Inside the Very Real World of ‘Slum Tourism’
This thoughtful essay from Conde Nast Traveler explores the ethical ramifications of visiting underprivileged neighborhoods as a tourist. Yes, the tours educate travelers and often provide financial support to the communities affected, but do they exploit the misery of others?

Man with Muscular Dystrophy to Travel Through Europe as ‘Human Backpack’
In the “heartwarming” category comes this story from WNCN, a news station in North Carolina, about a man whose friends have volunteered to help him explore Europe by carrying him on their backs. Kevan Chandler weighs 65 pounds and has muscular dystrophy, which causes progressive muscle weakness. His friends hope to help him see sights that would be inaccessible to him in a wheelchair.

Obama Administration Loosens Cuba Rules in Advance of Historic Visit
It continues to get easier to visit Cuba, reports USA Today; President Obama’s latest changes mean that individual tourists can take educational “people to people” trips without being part of an organized tour.

This Could Be the World’s Largest Passport
The Smithsonian profiles a man who once had a passport with a whopping 331 pages. (His current one has 192.) Eric Oborski racked up some 15 million frequent flier miles and regularly visited embassies in Tokyo and Bangkok to add extra pages to his passport every time he ran out of space for new stamps.

Neighbors Now Have a Way to Complain About Bad Airbnb Hosts
Airbnb isn’t always popular with its hosts’ neighbors, who might not be thrilled by the revolving door of strangers staying next door. But Skift reports that the company is adding a new tool to allow neighbors to comment on guests’ behavior; this feedback will be reviewed by Airbnb’s customer support team.

This week’s video captures the colors, sounds and energy of India.


10 Best India Experiences
Airbnb and Beyond: Tips for Safe, Legal Vacation Rentals

— written by Sarah Schlichter

If you’ve got a fixed vacation budget but no strong feelings about where you want to go, a new booking site could provide the perfect combination of low prices and inspiration. It’s called Wherefor.

wherefor screenshot


You start by entering your hotel and flight budget, the number of travelers, your travel dates and departure city. Then hit “Search Destinations” and see all the places you can afford to go.

I tested it out with a $2,000 budget for two people departing from Philadelphia for a week in May. Even with a relatively modest budget, I ended up with trip possibilities on three continents, including Europe (Moscow) and South America (Quito and Rio de Janeiro), as well as numerous North American options.

Test One: Moscow, Russia
Wherefor presented me with a total price of $1,944.57 for flights and hotel for two people. Most of that budget was for airfare: $1,672.24 for an outgoing flight on Delta and a return on Air France. It’s a decent price for two people — but with a stopover, the trip home would take more than 28 hours. No thanks! Fortunately, you can click on “other flights” to see more options at higher price points, though this might cause you to exceed your initial spending limit.

The site also suggested a budget hotel, the Alekseevsky, at an average price of $46.80 a night. As with flights, you can also browse other, more expensive lodging options. When you’re ready to book, you can buy the flights, the hotel or both. The site currently offers travelers the chance to spread their trip payments over 12 months with 0 percent interest.

Test Two: Quito, Ecuador
In Quito, cheaper airfares (just $769 for two people) allowed enough wiggle room in my budget for a moderately priced hotel, the Mercure Hotel Alameda ($97 a night). Again, the suggested flight wasn’t exactly appealing, with a 21-hour layover on the outgoing leg; nor was there a way to filter the other flight results by number of stopovers or total travel time.

Overall Impressions
If price is more important to you than schedule, Wherefor’s itineraries are very competitive. For the cities I checked, the fares and hotel rates were sometimes (but not always) lower than those on Kayak.com. As with any booking site, you should comparison shop before you pull out your credit card.

One important note: Wherefor’s estimated flight cost includes taxes and fees, but the nightly hotel rate doesn’t. You may find that adding those in on the booking screen actually takes you above your projected budget.

Wherefor has advanced search options that allow you to specify a minimum hotel level (budget, standard or luxury), filter your results to certain regions or tailor your trip by interest (such as beaches, “famous for food” or family-friendly). You can also enter a city or airport if you know where you want to go. A filter I hope they’ll add in the future: trips with nonstop flights.

Overall, Wherefor is an intriguing option for travelers seeking inspiration or trying to figure out how far their budget will take them. Would you give it a try?

How to Hack Your Way to a Cheaper Airfare
The Best and Worst Days to Fly

— written by Sarah Schlichter