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Credit card points are more powerful than most travelers realize, often worth five times more when used strategically rather than cashed out for statement credits.

• Points strategy coach Julia Menez transitioned from actuary to travel hacking expert during the pandemic
• Credit card companies intentionally make it easy to redeem points for low-value options like statement credits
• The most valuable strategy is transferring points to airline partners rather than using credit card travel portals
• Flexible, transferable points (Chase, Amex, Capital One) offer more options than airline-specific cards
• Book travel 10-11 months in advance for best award availability
• Use "positioning flights" to access better deals from major hub airports
• Don't avoid all annual fees – analyze whether the benefits outweigh the cost
• Business class offers the best balance between points required and comfort received
• Alaska and American Airlines programs offer excellent value for booking partner airlines
• Consider underrated options like Choice Hotels for international stays, especially in Scandinavia and Japan

Visit geobreezetravel.com/freecourse to access Julia's free beginner course on travel hacking.

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