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The not-so-secret travel hacking 'game' that allows you to travel the world for free

The not-so-secret travel hacking 'game' that allows you to travel the world for free
Photo by Serey Kim on Unsplash

The points and miles game is free to learn, complex to play, but totally worth it.

If you have friends who post drool-worthy photos of luxury resorts in beautiful, tropical places and you wonder how on Earth they can afford such amazing vacations, there are four main possibilities: 1) They're rich; 2) They saved up for a long time and splurged; 3) They went into debt to make it happen; 4) They spent far less than you think—perhaps close to nothing—because your friends know how to play the travel hacking game.

If No. 4 intrigues you, buckle up, because I'm about to take you on a mindblowing trip through Travel Hacking Land.

Luxury travel is far more doable than you might think. Photo by Paolo Nicolello on Unsplash

But before we embark, I want to make something clear: Everything I'm about to share with you is legitimate, legal and honest. I say that upfront because often people's initial response when I describe how travel hacking works is, "That sounds sketchy." They usually respond with 1) This is a scam, or 2) This is unethical. Neither is true. More on that shortly.

Okay, off we go!

Welcome to Travel Hacking Land, where if you learn to play the game well, you get to travel for free.

A few things to keep in mind as we take this tour:

1. Think of travel hacking as a game rather than a "hack." Like any game, the more strategies you master, the better you get at playing.

2. The game is simple in concept, but complex in practice. Don't expect to walk away from this article knowing exactly how to book a free trip to Europe. There's a fairly steep learning curve, but speaking from experience, it's 100% worth the time to learn it.

3. (Almost) anyone can play. If you have a good credit score, you can play this game. (That being said, people with more spending power will be able to play it faster. No way around that really.)

4. Be ready to unlearn some things. Most of us come into the game with major misconceptions about how credit card points and airline miles work.

5. It truly is as mindblowing as it sounds. Yes, the people who play this game really do travel the world regularly—often in luxury—for free or nearly free. No, it's not an exaggeration. (I'm not selling anything here, by the way—I love to travel, I love saving money and I love strategy games, so this hobby just hits all my happy buttons.)

Also, I didn't make any of this up or figure it out on my own. I learned it from Bryce Conway, founder of 10xTravel, a website where anyone can learn all the ins and outs of this game and see how other people are playing it. (10xTravel Insiders is also the largest and most active Facebook group dedicated to this game, with more than 113,000 members, so Conway definitely is the go-to expert in this space.)

As we take our tour through Travel Hacking Land, I'll share what Conway says about how the game works and what anyone who's interested in it needs to know.

The travel hacking game is played with three main pieces: credit card points, hotel points and airline miles.

On a basic level, the goal of the travel hacking game is to optimize credit card points, hotel loyalty points and airline miles and make the most of how those award systems work and interact with each other. You have to understand these pieces of the game to strategize using them.

The first thing to understand is that credit card points are the most powerful pieces in the game. Everything else stems from there.

Each credit card grouping (Chase, American Express, Citibank, Capital One, etc.) has its own points-earning system. You earn points by spending with a credit card (i.e., "earn 1% cash back on purchases") or by signing up for new cards and qualifying for sign-up bonuses ("spend $4000 in the first three months and get 100,000 bonus points"). Most of us most likely have points-earning cards of some sort, because they're so common.

Generally speaking, the cash value of a credit card point is one cent, so 100,000 points would have a cash value of $1,000. If I have 100,000 Chase points, for instance, I can trade those in for $1,000 cash back.

That's exactly what I used to do—get cash back for the points I earned on my Chase cards—and I thought it was pretty awesome. Now I kick myself for it because those points are sooooo much more valuable when used in the points/miles game for travel.

Credit card points become more valuable when they are transferred to travel partners.

Transferring credit card points to airline or hotel partners greatly increases their value.

Photo by Trac Vu on Unsplash

As I said, the game is complex, and there's no way to explain it all in one article. But here's one example of what it means to optimize the points and miles systems.

Recently I wanted to buy a one-way ticket on Southwest airlines. The cash price for the ticket was $88, but I could get the exact same ticket for 4,400 Southwest Rapid Rewards miles.

Southwest is a travel partner with Chase, which means I can transfer my Chase points to Southwest and they count as Rapid Reward miles. 4,400 Chase points would be worth $44 if I got cash back for them, but if I transfer them to Southwest to purchase that $88 ticket, I've just doubled the value of those points.

Double the value is pretty good, right? But that's just scratching the surface. As another example, with 100,000 Chase points, I could get $1,000 cash back or I could transfer those points to Hyatt and get four nights at the Grand Hyatt resort in Kauai—which, on the dates I just looked up in August, would cost $900/night cash. So for $1,000 worth of points, I could get a $3,600 stay at a luxury resort. Almost quadrupled their value.

But keep in mind, I'm not actually even paying that $1,000 out of pocket. These are points I earned for free, just by signing up for and using my credit card (on things I'm spending money on anyway) to earn points.

When people say they're traveling for free, this is what they mean.

If you want to play the points/miles travel hacking game, you can learn how for free.

I had a vague understanding of airline miles and credit card points before taking Conway's 10xTravel course. I'd used frequent flyer miles before and my husband and I have used credit cards for everything (paying them off every month—that's vitally important) to earn points for cash.

I don't even remember now what made me click on the course, but I'm so glad I did. There are multiple travel hacking websites and courses out there, but I appreciated the way Conway laid the whole thing out and that he was totally upfront about how he makes his money with a free course. (Basically, he asks that course participants use his credit card referral links if/when they start getting into the game, which is beyond fair for the amount of knowledge the course provides.)

Conway started puzzling out the game himself when he was in college, when there were only a handful of online forums and Reddit discussions about how to optimize points and miles. His friends would see him traveling all the time and ask him how he was doing it, so he'd explain it. Eventually, he got tired of having to go through the whole game with new people over and over again at parties, so he wrote it all down in an email that he could just forward to whoever asked.

Finally, a friend told him he should turn it into an ebook. That ebook eventually morphed into the course and the 10xTravel website and a full-fledged win-win business. We win by getting free knowledge about how to game points and miles to travel for practically nothing. He wins by earning credit card affiliate income each time people use his referral links to start playing.

The biggest travel hacking hurdle to get over is our misconceptions about credit cards.

Credit card points can be incredibly valuable for travel.

Photo by Pickawood on Unsplash

One big key strategy in this game is regularly signing up for new credit cards to take advantage of sign-up bonuses, as that's the quickest way to accumulate a lot of points. But most people think that's nuts.

"When I tell people that I generally open 10 or more credit cards a year, almost every single person … their eyes get bigger and they kind of freak out," says Conway. "And the next question is always, doesn't that destroy your credit score?"

No, it doesn't.

"It's very straightforward how that works, but of course, people have a bad association of credit cards with debt and bad credit," he says. "So you have to kind of get past that."

But won't credit card companies get wind of people doing this and shut it down? Conway says nope.

"They know that this exists. In some ways, they kind of encourage it because most people aren't able to make points work or are not willing to put in the effort to make points work in a way that is really advantageous to them," he says. "So it's kinda like the banks are making a bet like, 'Hey, we have this cool point system. You probably won't figure it out. It's profitable for us anyway.'"

"Credit card companies make a lot of money when people use their product, both on interest charges and fees—kind of the negative side of credit cards—but also just on swipe transaction fees," says Conway. "People forget that credit card companies make a large portion of their money on people who don't even ever pay interest or have credit card debt."

Credit cards are profitable for banks, so they incentivize people opening them. And banks compete to get you to open their cards, so all we're doing here is making the most of that competition and the incentives that come with it. No one is getting swindled. You have to spend on the cards to earn the points—even the sign-up bonuses—so banks are still making their money.

The key is to use your credit card for every transaction possible, pay off the balance each month before any interest posts and keep getting new cards for the sign-up bonuses.

Here are some examples of people who have learned how to play the travel hacking game and won big.

The places travel hackers go for free or nearly free is mind-boggling.

Photo by Ittemaldiviano 🇲🇻 on Unsplash

One of the things you start seeing after you take the 10xTravel course and join the group on Facebook is people sharing the amazing trips they've taken for free or close to free. Some of those stories get posted on the 10xTravel site, too.

For example, one couple took a two-week, five-country, $17,000 trip to Europe for just over $1,500 out of pocket. Another family detailed how they saved $14,000 in travel costs on trips to Puerto Rico, Europe, Costa Rica and Canada—not to mention getting a ton of free travel domestically—over a two-year period.

Some people in the Facebook group have shared trips where they've gotten redemption values of 10 or 20 cents per credit card point or more (essentially turning what would be $1,000 cashback into $10,000 or $20,000 in travel value). Those are exceptionally amazing, but it's not unusual at all to see 3x, 4x or 5x point values being redeemed by travelers in the group.

Often the only cash people have to shell out on their trips is for food and a modicum of taxes on flights, which don't get covered by points. At all-inclusive resorts, food is covered, so all they pay for are any extra activities.

And we're not talking cheap places or terrible traveling conditions. You know those over-the-water bungalows you see in the Maldives? I've seen people fly first-class there and stay in those places, all on points and miles. It's bonkers what people can do if they play this game well.

Why don't more people play the travel hacking game if it's really so great?

Again, the game is simple in concept but complex in practice. There's a lot to learn and a lot to unlearn at first, and how the various points and miles systems intertwine and interact can make your brain hurt until it all starts to click. But a lot of what stops people from even starting to learn is simply not believing that it is what it is.

"I think it doesn't really make sense to most rational minds," Conway admits. "Because things don't just kind of come for free in life. There's always gonna be some sort of catch down the road. So when you can show them how easy it is to book a meaningful amount of travel—and good travel—using simple tactics with points and miles, it seems too unbelievable."

This is especially true with business or first-class airline travel. The redemption values for points on those seats can be simply astounding.

"People assume that I'm gonna do a bunch of work just to be able to get a three-stop red-eye flight to Vegas—is that even worth it? And that's just not the case," says Conway. "My wife and I have flown first-class all over the world and can do so pretty much whenever and wherever we want, thanks to this."

The only thing better than hanging out in paradise is hanging out in paradise for free.

Photo by Serey Kim on Unsplash

Travel hacking (a term Conway bristles at because it makes the whole thing sound sketchy) is a long game—and more chess than checkers for sure—but for those who wish they could afford to travel more, it's definitely a game worth learning how to play.

Thanks for coming along on the tour of Travel Hacking Land! And hey, if you see your friends sunning themselves in Fiji or exploring Machu Picchu or galavanting around Europe, don't assume they have gobs of excess wealth. They may have just learned to game the points and miles systems in a way that lets them travel for ridiculously little money.

Identity

Celebrate International Women's Day with these stunning photos of female leaders changing the world

The portraits, taken by acclaimed photographer Nigel Barker, are part of CARE's "She Leads the World" campaign.

Images provided by CARE

Kadiatu (left), Zainab (right)

True

Women are breaking down barriers every day. They are transforming the world into a more equitable place with every scientific discovery, athletic feat, social justice reform, artistic endeavor, leadership role, and community outreach project.

And while these breakthroughs are happening all the time, International Women’s Day (Mar 8) is when we can all take time to acknowledge the collective progress, and celebrate how “She Leads the World.

This year, CARE, a leading global humanitarian organization dedicated to empowering women and girls, is celebrating International Women’s Day through the power of portraiture. CARE partnered with high-profile photographer Nigel Barker, best known for his work on “America’s Next Top Model,” to capture breathtaking images of seven remarkable women who have prevailed over countless obstacles to become leaders within their communities.

“Mabinty, Isatu, Adama, and Kadiatu represent so many women around the world overcoming incredible obstacles to lead their communities,” said Michelle Nunn, President and CEO of CARE USA.

Barker’s bold portraits, as part of CARE’s “She Leads The World” campaign, not only elevate each woman’s story, but also shine a spotlight on how CARE programs helped them get to where they are today.

About the women:

Mabinty

international womens day, care.org

Mabinty is a businesswoman and a member of a CARE savings circle along with a group of other women. She buys and sells groundnuts, rice, and fuel. She and her husband have created such a successful enterprise that Mabinty volunteers her time as a teacher in the local school. She was the first woman to teach there, prompting a second woman to do so. Her fellow teachers and students look up to Mabinty as the leader and educator she is.

Kadiatu

international womens day, care.org

Kadiatu supports herself through a small business selling food. She also volunteers at a health clinic in the neighboring village where she is a nursing student. She tests for malaria, works with infants, and joins her fellow staff in dancing and singing with the women who visit the clinic. She aspires to become a full-time nurse so she can treat and cure people. Today, she leads by example and with ambition.

Isatu

international womens day, care.org

When Isatu was three months pregnant, her husband left her, seeking his fortune in the gold mines. Now Isatu makes her own way, buying and selling food to support her four children. It is a struggle, but Isatu is determined to be a part of her community and a provider for her kids. A single mother of four is nothing if not a leader.

Zainab

international womens day, care.org

Zainab is the Nurse in Charge at the Maternal Child Health Outpost in her community. She is the only nurse in the surrounding area, and so she is responsible for the pre-natal health of the community’s mothers-to-be and for the safe delivery of their babies. In a country with one of the world’s worst maternal death rates, Zainab has not lost a single mother. The community rallies around Zainab and the work she does. She describes the women who visit the clinic as sisters. That feeling is clearly mutual.

Adama

international womens day, care.org

Adama is something few women are - a kehkeh driver. A kehkeh is a three-wheeled motorcycle taxi, known elsewhere as a tuktuk. Working in the Kissy neighborhood of Freetown, Adama is the primary breadwinner for her family, including her son. She keeps her riders safe in other ways, too, by selling condoms. With HIV threatening to increase its spread, this is a vital service to the community.

Ya Yaebo

international womens day, care.org

“Ya” is a term of respect for older, accomplished women. Ya Yaebo has earned that title as head of her local farmers group. But there is much more than that. She started as a Village Savings and Loan Association member and began putting money into her business. There is the groundnut farm, her team buys and sells rice, and own their own oil processing machine. They even supply seeds to the Ministry of Agriculture. She has used her success to the benefit of people in need in her community and is a vocal advocate for educating girls, not having gone beyond grade seven herself.

On Monday, March 4, CARE will host an exhibition of photography in New York City featuring these portraits, kicking off the multi-day “She Leads the World Campaign.

Learn more, view the portraits, and join CARE’s International Women's Day "She Leads the World" celebration at CARE.org/sheleads.


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Elya/Wikimedia Commons

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