Credit card averse? You're not alone. According to a recent study from Bankrate, 35 percent of adults ages 30 and over don't have a credit card.
The bad news is, not having a travel credit card does make it more difficult to earn travel rewards _ that is, unless you travel often enough to rack up loyalty points by the thousands.
While having a travel credit card does make earning points easier, if you're patient and a little crafty, you can earn airline miles, hotel points and other rewards without using credit at all. As always, it helps to be willing to think outside the box and put in a little legwork. With some luck and time on your side, you'll be on your way to a stash of rewards:
