If you’ve spent any time reading about points and miles, you’ve probably seen some enormous numbers.
Earn 75,000 points. Earn 100,000 points. Earn 150,000 points. Apply for this card. Transfer points here. Book this business class seat that normally costs $8,000.
Some of that can be useful. But it can also make getting started much harder than it needs to be.
If you want to use points to travel more or spend less on the trips you’re already taking, you don’t need to begin by figuring out which credit card has the biggest welcome offer. You don’t need to become a frequent flyer, either.
You should, however, start with the trip itself.
Where do you want to go? Who do you want to visit? Which trips are getting too expensive? What would you do if airfare or hotels cost a little less?
Once you know what you want points to accomplish, you can figure out which rewards could help you do it and how to earn them.
That’s a points strategy.
And it can be a lot simpler than the internet makes it look.
What Does Traveling With Points Mean?
Airlines and hotel companies have loyalty programs that are free to join. American Airlines has AAdvantage, United Airlines has MileagePlus, Marriott has Bonvoy, Hyatt has World of Hyatt, and so on.
Each program has its own rewards currency that’s called some variation of points or miles. And once you have enough, you can use those rewards to book travel instead of paying the full cash price.
Say you want to visit family and the round-trip flight costs $500. You might find that the same trip can also be booked for 20,000 airline miles plus $5.60 in taxes.
You have a choice. Pay $500 or use miles and keep most of that cash in your pocket.
The ticket booked with miles is called an award ticket. Hotels work much the same way. A room selling for $300 might also be available for 25,000 hotel points.
That’s the foundation of points travel. You’re earning another type of currency that can be used to pay for some of your travel.
And despite the name, you do not need to be a frequent flyer to participate in a frequent flyer program.
You can join an airline loyalty program even if you fly once or twice a year. You don’t need elite status, and you don’t have to regularly fly an airline to earn its miles.
Plenty of miles are earned without going anywhere.
You Don’t Have to Travel to Earn Points
Flying can earn airline miles, and hotel stays can earn hotel points. But those are just two ways rewards make their way into your accounts.
Airlines and hotels have partnerships that let you earn points through things you may already be doing.
Shopping portals are a good example. Instead of going directly to a retailer’s website, you start at an airline’s shopping portal and click through to the same store. If the retailer is participating, your purchase can earn airline miles in addition to whatever rewards you were already getting from the purchase.
Airlines also have dining programs that can award miles when you eat at participating restaurants. There are promotions, rental car partnerships, hotel offers, and plenty of other opportunities to pick up rewards along the way.
Credit cards are another way to earn them.
Some cards earn rewards with a particular airline or hotel company. A Marriott card earns Marriott Bonvoy points, for example, while an airline card earns miles in that airline’s program.
Other cards earn rewards through programs run by banks such as American Express, Capital One, Chase, and Citi. Those points can work differently because you may have more than one way to use them.
We’ll get to that.
For now, know that you don’t need to choose between flying constantly and opening credit cards. Points can come from travel, everyday spending, shopping, dining, promotions, and other parts of the loyalty ecosystem.
The more important question is which points make sense for you to earn.
Start With Where You Want to Go
Before applying for a new credit card, signing up for every loyalty program you can find, or chasing a particular kind of point, think about your travel.
What would you like points to help you do?
Maybe you want to fly to see your kids more often, but tickets routinely cost $500. Maybe you’re trying to take a family of four to Europe next summer. Perhaps you mostly take road trips, and hotels are the expense you’d most like to reduce.
Or maybe there isn’t one big trip. You’d just like to take another weekend away every once in a while without every trip putting a dent in the monthly budget.
Those goals can lead to very different strategies.
Imagine you visit family three times per year and airfare typically costs $500 round trip. That’s $1,500 per person each year for a trip you already know you want to take.
If those flights can sometimes be booked for a reasonable number of miles instead, you’ve found a job for points. Your goal isn’t to accumulate a million miles or recreate somebody else’s business class trip from Instagram. It’s to make those family visits less expensive.
Someone trying to take four people to Europe has a different problem. So does someone whose biggest travel expense is hotels.
Figure out the travel first. Then work backward.
Don’t Let Someone Else Pick Your Points Strategy
This is where it’s worth being skeptical of some of what you read online.
There are excellent websites, newsletters, and creators covering points and miles. There are also a lot of headlines telling you that a 100,000-point credit card offer is incredible and that you should apply before it disappears.
Sometimes it is a very good offer.
But a big number doesn’t tell you whether those points will help with the trips you want to take.
Credit cards are part of the points ecosystem, and you’ll find information about them on PointsYeah, too. But it’s also important to understand the incentives at work. Websites can earn money when readers apply for cards through their links, which is worth remembering when every new offer starts to sound like something you can’t afford to miss.
That doesn’t mean you should ignore the experts. It means their strategy doesn’t automatically need to become yours.
A 100,000-point offer could be nearly useless for your travel. A much less exciting opportunity to earn rewards that repeatedly save you $500 on trips to see family could be far more valuable.
Start with your game, not theirs.
Look at How You Travel Now and How You Want to Travel
The rewards you’re earning today may not line up with the travel you want to do tomorrow.
Suppose you tend to fly Frontier or Allegiant because they’re inexpensive from your home airport. There’s nothing wrong with that. Sometimes buying the cheap ticket is exactly the right move.
But what happens when you want to visit somewhere those airlines don’t fly?
Say you want to visit family in Wilmington, North Carolina. If the airline whose rewards you’ve been collecting doesn’t serve Wilmington, those points aren’t going to solve that particular problem.
The same mismatch can happen with hotels.
You might put most of your everyday spending on a Marriott credit card and have a large balance of Marriott Bonvoy points. That’s useful if hotel stays are a major part of your travel.
But what if what you really want to do is fly more, and you tend to stay with family once you arrive?
You’re earning plenty of rewards. They’re just not necessarily helping with the expense that’s keeping you from taking more trips.
That doesn’t make Frontier miles or Marriott points bad rewards. It means every reward currency has things it’s useful for and things it can’t do.
Think about the places you visit today and the places you’d like to visit. Which airlines can get you there? Which ones serve your home airport? Do you spend more on flights or hotels? Are there trips you keep putting off because one part of them is especially expensive?
You’re beginning to identify which rewards might fit your travel.
Having More Than One Option Can Help
You don’t need to collect points with every airline and hotel program.
Spreading a few thousand points across a dozen accounts can leave you with a lot of balances that aren’t large enough to book much of anything.
But being locked into one corner of the travel world has its own drawbacks.
If all of your rewards are hotel points, they can’t do much when airfare is keeping you home. If all of your miles sit with one airline, you’re relying on that airline to serve the places you want to go and offer flights that work when you need them.
This is one reason some credit card rewards are useful.
Instead of earning points that immediately belong to one airline or hotel company, certain cards earn rewards that stay within the bank’s own rewards program. Depending on the program, you may later be able to move those points to one of several participating airline or hotel loyalty programs.
That’s called a points transfer.
More on This: How Credit Card Transfer Partners Work
Here’s the basic idea.
Suppose you have 50,000 points with a credit card rewards program. Months later, you’re planning a trip and find a flight that can be booked for 20,000 miles through one of that program’s airline partners.
You may be able to move 20,000 of your credit card points into the airline’s loyalty program and then use the resulting miles to book the flight.
Until you do that, the points haven’t been committed to that particular airline.
You’ll often hear these called transferable points. You may also see the term flexible points, which simply means the rewards give you multiple potential ways to use them rather than tying you to one airline or hotel from the beginning.
That can be useful if your trips don’t all follow the same pattern. The airline that gets you to your parents might be completely different from the one that works for your summer vacation.
You don’t need transferable points to travel with rewards. They’re one tool that can give you more choices.
More on This: How to Convert Credit Card Points to Airline Miles
Now Take Stock of What You Already Have
Once you’ve thought about the travel you want to take, see what you’re already working with.
You may have more rewards than you realize.
Check any airline loyalty programs you’ve joined in the past, even if you don’t fly often. Look at hotel accounts you’ve used. Then check the rewards section of the credit cards already in your wallet.
Make a simple list. It might look like this:
- 15,000 American Airlines AAdvantage miles
- 55,000 Marriott Bonvoy points
- 40,000 points with a credit card rewards program
Don’t worry about assigning a dollar value to every balance. You’re trying to answer two simpler questions.
What do I have, and can any of it help with the travel I want to take?
If your goal is flying to see family, the airline miles may be immediately relevant. The Marriott points could be useful for another trip but may not help much if you stay with family when you visit. The credit card points could create additional options depending on the program.
And if you discover that you have almost nothing, that’s fine.
Starting with zero and knowing where you want to go can be more useful than starting with 100,000 points you don’t know what to do with.
PointsYeah’s My Wallet can also help you keep track of rewards in one place, including balances you’ve entered manually and supported accounts you connect.
More on This: How to Track Rewards and Manage Family Accounts With PointsYeah
Build Your Strategy Around What’s Missing
Now you can put the pieces together.
You know the kinds of trips you want to take. You know which travel expenses you’d like points to help cover, and you’ve taken stock of the rewards you already have.
What’s missing?
Maybe you want to visit family three times a year and have learned that a certain type of airline mile could help with those flights. Perhaps you want to take a bigger trip next summer and would rather have rewards that give you several airline options. Or maybe you’ve spent years accumulating hotel points when airfare is the part of travel you’d really like help paying for.
Now you have a reason to decide what you want to earn next.
That could mean earning miles on flights you’re already taking, clicking through a shopping portal before a purchase, joining a dining program, or watching for promotions.
It could also mean deciding that a credit card makes sense.
A welcome offer can provide a large number of rewards after you meet its requirements, and spending on the card can continue earning points afterward. But by this point in the process, you’re not choosing a card because 100,000 POINTS sounded impressive.
You’re asking whether those 100,000 points can help with your travel.
A credit card can be a useful earning tool. It isn’t the strategy by itself.
Then See What Your Points Can Do
Eventually, all of this needs to turn into a trip.
Airlines let you search their websites for flights that can be booked with miles, just as you’d search for a ticket you were buying with cash. Hotels let you search for rooms that can be booked with points.
These are called award searches.
You could go to each airline or hotel website individually. The challenge is that one trip can sometimes be booked through several loyalty programs, each with its own points price and rules.
This is where PointsYeah can make the process easier.
With a PointsYeah flight search, you enter where you’re leaving from, where you want to go, and when you’d like to travel. PointsYeah searches the supported airline loyalty programs and shows you available options that can be booked with points or miles.
Think of it as the points version of searching for a flight with cash.
If you wanted to fly from Raleigh-Durham (RDU) to New York, for example, you’d enter Raleigh-Durham as your starting point, New York as your destination, and your travel date. The results show which supported loyalty programs have options and how many points or miles they require.
You don’t need to understand every program that appears on the screen. Start by seeing what’s possible.
More on This: How to Search for Award Flights With PointsYeah
Hotels work in much the same way. Enter where you’re going and your dates, and you can see award options across the supported hotel programs.
More on This: How to Search for Award Hotels With PointsYeah
If you don’t know where you want to go yet, Daydream Explorer starts from a different question. Tell it where you’re leaving from and explore destinations you could reach with points. That’s useful when the goal is something broad like “We want to go somewhere warm in February” rather than “We need to be in Hawaii on June 12.”
More on This: How to Use Daydream Explorer
And if you’re completely new to the product itself, our Getting Started guide walks through the basics before you begin searching.
More on This: Getting Started With PointsYeah
Points Won’t Always Be the Answer
Go back to that $500 family visit.
Maybe the ticket costs $500 in cash, but you find an option for 20,000 miles plus $5.60 in taxes. If spending $500 is what’s making you hesitate to take the trip, those miles can be extremely useful.
On another weekend, the same route might cost $150 while the airline still wants 20,000 miles. You might decide to spend the $150 and keep the miles for the next expensive trip.
This is where points advice can get unnecessarily mathematical.
You’ll see websites assign monetary values to different kinds of points and calculate whether a redemption produces a certain number of cents per point. That can be useful for comparing options, but it doesn’t need to dictate whether a redemption makes sense for you.
If using points means you can make a trip you otherwise wouldn’t take, that matters. If cash is cheap and you’d rather save the points, that matters too.
Look at what you’d otherwise pay, what the award costs, what you have available, and which resource you’d rather spend.
And don’t assume points need to cover the entire trip.
Maybe you have enough miles for two of the four tickets your family needs. Perhaps you pay cash for a cheap flight out and use miles when the return is expensive. You could buy the airfare and use hotel points once you arrive.
Sometimes points will save you hundreds or thousands of dollars. Sometimes paying cash will make more sense.
Both can be part of the same strategy.
Your Points Strategy Is Yours
The deeper you get into points and miles, the more opinions you’ll encounter.
Someone will tell you which credit card you need. Someone else will tell you which airline program has the “best” redemptions. You’ll see people flying business class around the world and others squeezing every possible mile out of shopping portals, promotions, and credit card spending.
There’s plenty to learn from all of them.
But they don’t necessarily want to take the same trips you do.
If your goal is to fly to see your kids more often, build around that. If you want to take your family to Europe, start there. If you’d like to take more weekend trips but don’t particularly care where you go, that’s something you can build around too.
Figure out which rewards can help with the travel you want to take. See what you already have. Then decide how you want to earn what’s missing, whether that’s through flying, shopping, credit cards, or some combination over time.
The goal isn’t to become an expert at points. It’s to make points useful for the way you want to travel.
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