When you have a travel partner, whether they be your spouse, significant other, sister, parent—whoever else you can rope into earning miles and points—you should be thinking about these guys:

The ’90s are back, baby! And you need to have Tag Team on your miles-and-points mind like it’s 1993 all over again.

Banks offer referral bonuses for a lot of cards whenever you get someone else to also apply for that card, kind of like a finder’s fee. You can take advantage of these referral bonuses to earn even more miles and points. And the great thing about tag-teaming your credit card applications is that you and your Player 2 can strategize with each other to make sure you both earn as many referral bonuses as you can and rack up those points.

Here’s how tag-teaming your credit cards works:

You’re Player 1. Your travel partner is Player 2.

Tag teaming your credit cards means that when Player 1 gets one card, Player 2 gets a different card, and then when Player 1 and Player 2 apply for their next round of cards, they refer each other to the cards they got in the first round and earn referral-bonus points.

An example of how this might play out for people first getting into travel with miles and points would be tag-teaming with a Chase Sapphire Preferred (the #1 intro-to-miles-and-points card) and a Capital One Venture X (my favorite all-around points card that also gets you lounge access).

Player 1 applies for the Chase Sapphire Preferred and earns 60,000 Ultimate Rewards points as a welcome bonus after meeting the card’s spending requirements. Around the same time, Player 2 applies for the Capital One Venture X and earns 75,000 Capital One Venture Miles as a welcome bonus.

Now when you’re both ready to apply for your next cards, you should each refer each other for the cards you got first.

How to find your referral links

When you’re logged into your credit-card account, you should be able to find an option to refer a friend, similar to what’s shown on the left side of this image:

Once you’ve copied the referral link the bank has generated for you, you paste it into a text or email to your Player 2, and your Player 2 should use that link to apply for their own version of that same card you already have. And then they should do the same thing for the card they got the first time around, so you can apply using their referral link.

What this gets you

So if this were to play out, in this example, you’d earn 60,000 Ultimate Rewards points for your Chase Sapphire Preferred, 75,000 Venture Miles for your Capital One Venture X, and 15,000 extra Ultimate Rewards points for having referred Player 2 to that card. And your Player 2 would earn 75,000 Venture Miles, 60,000 Ultimate Rewards points, and 25,000 extra Venture Miles for having referred you to that card. So your 60,000 Ultimate Rewards points have increased to 75,000, and your friend’s 75,000 Venture Miles have increased to 100,000! And you didn’t have to do any extra spending to earn those referral bonuses. You just timed it well and strategized.

By comparison, if you had each just applied for both cards on your own without referring each other, you’d be 40,000 points shorter. Don’t leave those points on the table!

Not every card has a referral bonus available, so if you check your accounts and don’t find a referral link, that may be why. But it’s always worth checking. Chase even has its own special Refer-A-Friend website where you can check whether your cards have referral links without logging in.

Important to know: You cannot refer a card to yourself. That’s an easy way to make the bank red-flag your account. Don’t even try it.

Fun fact: I spent the first few years I was earning miles and points for travel not referring to my Player 2 or having my Player 2 refer to me because I just assumed it wouldn’t be allowed, since we’re married. But it’s completely allowed. I was an idiot and left thousands of miles on the table. Don’t be like me!