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When I am not using my points, I book through any of these online hotel providers.
Hotels.com gives a free night after every 10 stays.
Booking.com consistently churns out discounted hotels.Booking.com
Agoda.com is another great option for awesome deals.
2. Travel Insurance
DO NOT TRAVEL WITHOUT TRAVEL INSURANCE. GET A QUOTE HERE.
3. No-Fee ATM Debit Cards
These cards will reimburse ATM fees you incur during your travels world wide.