In the Beginner’s Guide and throughout The Higher Flyer, I stress the importance of maintaining a good credit score. Everyone should have at least a 675, because without that, you won’t be approved for the cards required to earn lots of redeemable miles and points. Such a standard is pretty high already, and if you’re a student, you might not have a credit score at all. While that might seem problematic — how could you possibly get approved for a credit card? — you shouldn’t be discouraged. It’s entirely possible to build a score high enough to get you higher flying within a year.
As I write in the Beginner’s Guide, it’s quite difficult to fly higher without the assistance of credit cards; through signing bonuses and daily spend, you can earn a significant number of points which you can then use for travel redemptions. To have access to the best ones, you should have a credit score of at least 675, which, all things considered, is high. If your credit score isn’t at that level, don’t worry, because that won’t stop you from becoming a higher flyer. There are just some steps that you need to take before you try to enter the world of miles and points. I outline below what to do in order to get started with higher flyer credit cards.