Travel Hacking for Dummies: Two Player Mode

We’re social creatures, us humans. And flying first class for pennies while your partner’s back in the peasant seats paying $700 for the same flight is a surefire way to ruin a couples’ holiday.

There is a way around this–a strategy affectionately known as two-player mode.

In this scenario, you and your partner/family member/friend work together to open cards and earn points, covering more ground and earning bigger bonuses. I’ve been doing it since day one, advising my girlfriend Jess to open cards throughout the year based on our travel needs. 

It does require trust, however. It’s not something I would ever advise for a new couple, as sharing finances is a huge step. Here’s an example of how Jess and I work our expenses.

Assuming we’re not spending to earn a bonus, we use this card (mine) for any significant travel expenses like flights, Airbnbs, or tours. We’ll use a similar Gold card (where possible) when we eat out. We put all other expenses, like groceries, coffee shops, or things not covered by a major bonus category, on Jess’ easy earning 2x points per dollar card. I’ve blown my Chase 5/25 rule. However, we keep Jess under the threshold to ensure that any decent Chase cards remain within reach.

At the end of the month, we compare our spending and transfer each other money depending on who owes what. When it comes to booking award travel, we combine the points earned, giving us the best chance of a great deal.

Give it a go. It’s a romantic new step, like giving them the key to your place.