O SEGREDRO Para acumular MUITAS Milhas Ainda em 2025 ! - Guia prático

How to Accumulate Air Miles Without a Credit Card

Introduction to Air Miles

• The speaker introduces the topic of accumulating air miles in 2025 without relying on credit cards, promising a simple guide for effective accumulation.

• Emphasizes that the focus will be on practical methods rather than credit card usage, highlighting the importance of loyalty programs.

Understanding Loyalty Programs

• Defines loyalty programs as reward systems where users earn points through purchases, contrasting them with traditional credit card point systems.

• Points out that loyalty programs can offer significantly higher earning rates compared to credit cards, with potential earnings of up to 30 points per real spent.

Types of Loyalty Programs

• Discusses two main types of loyalty programs: bank programs and airline company programs, both accessible without being a customer or cardholder.

• Clarifies that while airline programs directly accumulate miles, bank programs accumulate points which can later be converted into miles.

Recommendations for Beginners

• Advises viewers to register for multiple loyalty programs and suggests focusing on Livelo for its advantages in ease of use and promotions.

• Highlights the ability to multiply points earned in bank programs by transferring them to airline partners for bonuses.

Practical Steps Forward

• Encourages viewers not to worry about signing up for every program immediately; registration is sufficient initially.

• Reiterates that one does not need subscriptions to start earning points through partner stores; simply registering is enough.

Promotional Opportunities with Partner Stores

Overview of Partner Stores

• The discussion begins by highlighting various well-known partner stores where users can earn points on purchases, including categories like perfumes and clothing.

• Users are informed about promotions such as earning up to five points per real spent at specific stores, with options to filter by point value or category.

Filtering and Sorting Options

• The platform allows users to sort partner stores based on the highest point rewards available, showcasing offers like 50 points for digital consortia.

• There are differentiated point opportunities for Club Livelo subscribers, but non-subscribers can also find valuable promotions without needing a subscription.

Shopping Experience and Point Accumulation

• Users can navigate through the Esfera site to filter partner stores by category or highest point rewards.

• Insider is highlighted as a popular store offering 13 to 14 points per real spent depending on subscription status, emphasizing the importance of choosing high-reward partners.

Transaction Tips and Point Redemption

• When making purchases through these platforms, it’s recommended to access partner store links directly from loyalty program websites for maximum benefits.

• A practical tip is provided: record your screen during transactions to ensure proof of purchase in case issues arise later regarding point allocation.

Maximizing Points Through Purchases

Example Calculation of Points Earned

• An example illustrates that purchasing R$600 worth of clothing at Insider could yield approximately 7,800 points if not subscribed to Club Esfera.

Utilizing Points for Travel Rewards

• Points earned can be transferred to airline programs like Latam, Azul, and Smiles. Promotions may offer significant bonuses (e.g., up to 100%).

Practical Application of Airline Miles

• Transferring points from Esfera to Latam could result in enough miles for a flight from Vitória to Rio de Janeiro costing only 9,814 miles versus R$408 in cash.

Understanding Cashback Through Loyalty Programs

Financial Benefits of Using Loyalty Programs

• The discussion emphasizes how spending R$600 on clothes can effectively return R$408 through accumulated miles—demonstrating a potential cashback rate of around 68%.

Broader Applications Beyond Personal Use

• These strategies aren't limited just to personal expenses; they can also apply when purchasing items for others, maximizing savings across different types of expenditures.

Importance of Strategic Spending

• Highlighting essential yearly expenses like food and clothing suggests that even minimalists can benefit from loyalty programs by strategically accumulating miles through regular purchases.

Maximizing Points through Strategic Spending

Understanding Partner Promotions

• The Amazon and Carrefour partnerships offer promotions that allow users to earn points, with Amazon providing 4-5 points and Carrefour offering up to 8 points.

• If an individual spends R$800 monthly on food, they can accumulate a minimum of 12,800 points annually by taking advantage of at least four promotions.

Transforming Points into Travel Opportunities

• Accumulated points can be converted into travel rewards; for instance, sending them directly to airlines could yield enough for one trip without bonuses.

• With strategic point multiplication (1.35), the same spending could cover two round-trip tickets between Vitória and Rio de Janeiro.

Additional Spending Categories

• Clothing purchases can also generate significant points; spending R$1,000 on clothes during promotional periods can yield around 10,800 points.

• Combining food and clothing expenses allows individuals to potentially fund international travel with minimal additional costs.

Importance of Bonified Purchases

• Bonified purchases often yield more points than traditional credit card rewards; for example, buying from Insider generates significantly higher point accumulation compared to standard credit cards.

• Focusing on bonified shopping is crucial as it enables users to maximize their mileage potential regardless of their credit card status.

Timing Purchases for Maximum Benefits

• Specific dates throughout the year are ideal for making larger purchases due to better promotional offers tied to holidays and events like Mother's Day or Black Friday.

• Additionally, airline anniversaries and loyalty program milestones present opportunities for enhanced promotions that should be tracked in a calendar format.

Planning Ahead for Future Savings

• September features several key promotional dates such as customer day and various airline anniversaries which provide excellent opportunities for accumulating miles.

• Continuous monitoring of these promotional cycles will help consumers optimize their spending strategies throughout the year.