The secret might be in your wallet right now, and we're not talking about cash! Check to see if any of your credit cards will allow you to transfer points into miles or hotel points. Check all of your options, as some transfer ratios are more favourable than others. For example, with the American Express Platinum Card, you can transfer points to Hilton at a 1-2 ratio. In some international destinations, you can use those points to book super high-end rooms for far fewer points.