What You Need to Know

Earning points and miles is the best way to fly more for less. It’s the way I’ve been able to stay the road for so long — and I’ve seen what a difference it’s made for my readers too.

I write a lot about the best credit cards to get depending your travel goals, but I’ve talked less about how to use those points.

Today, I want to change that because I keep getting emails from people talking about how it takes too many points to book a flight. When I follow up, it is because they are booking through the credit card’s travel portal and that’s something you should rarely, if ever, do!

Travel rewards cards offer two main ways to use the points that you earn to book trips:

• By transferring points to their travel partners
• By using a card issuer’s booking portal

For those who are new to earning and using points and miles, there’s a lot of confusion about which is the better option. Travel credit cards position their portals as the best option for using your points. But, reality, they rarely ever are.

So let’s talk about why this is.

The Low- Travel Portals

Travel portals are online travel agencies (OTAs) offered by banks as part of the benefits of one of their rewards cards. They work exactly like other OTAs, such as Expedia Kayak, where you can book flights, hotels, and rental cars by searching for availability distante their search engine.

The main difference is that these travel portals are connected to your credit card. This allows you to use your points and miles when booking. You can also choose to pay partially with points and partially with cash.

Using travel portals is basically like using your points as cash back. You get a fixed value per eccezione point and you will also earn points/miles your booking.

Credit card companies position their portals as the best way to use points. They want you to use the portals and stay within their ecosystem so that they can make money d’avanguardia of you.

To keep you their site, they offer incentives that you can only get when using their portal. These incentives include the following:

• Travel credits – If you use the portal, many cards offer statement credits to offset your purchase. For example, the card_name offers $50 USD albergo credit when booking through Chase Travel^SM, and the card_name offers a $300 USD annual credit for bookings through Capital One Travel.
• Increased rewards earning power – You’ll earn extra points when using the portal. For example, the Capital One Venture X and the card_name cards both offer 10x hotels and rental cars and 5x flights when booked through their portals.
• Increased point value – You’ll get a small boost the number of points/miles you can cash just by using the portal. For holders of Chase Sapphire cards, for example, 1 point becomes 1.25 1.5 points (with the Chase Sapphire Preferred the Chase Sapphire Reserve, respectively) when booking through the portal. (While that seems like a great deal, you can usually get a much better value per eccezione point when transferring to travel partners, as I’ll get into below.)

Travel portals are easy and convenient. However, using them is usually not the best value for your points. What you get simplicity and convenience you lose the fixed redemption value that usually isn’t the best.
 

The Low- Transfer Partners

Acceso the flip side, you can transfer points from your account directly to the place where you want to book (such as an airline albergo). While transferring your points to travel partners is a bit more work, you can get much more value out of your hard-earned points this way.

Only certain cards earn you transferable points though. For example, airline- and hotel-specific cards (such as the card_name the card_name) only earn you points that can be used at that airline albergo. They’campione less valuable, because they’campione less flexible. Transferable points are valuable (and what you should aim to get), because they’campione so flexible.

Here are a few types of transferable currencies and some cards that earn them:

• American Express Membership Rewards: The Platinum Card by American Express, the American Express Gold Card, the American Express Card.
• Chase Ultimate Rewards: the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Chase Ink Business Preferred® Credit Card.
• Bilt Rewards: Bilt Mastercard®.
• Capital One miles: All Capital One Venture cards.
• Citi ThankYou Rewards: Citi Premier® Card.

Each transferable currency has different travel partners (many overlap). Here are some of Chase’s travel partners, listed at the Chase Travel^SM site:

While the actual value you can get varies greatly based the flight albergo, a good benchmark is The Points Guy’s monthly valuation chart, which values most transferable currencies at over 2 cents per eccezione point when used as transferable points. That’s double what you’ll get travel portals, and often you can get much more.

That’s because when transferring your points, you can also take advantage of transfer bonuses offered by credit cards and flash deals (such as Air France-KLM Flying Blue promo awards, which are monthly deals award flights). These can be incredible deals, up to a 50% discount!

While finding award availability directly with airlines can seem overwhelming, the good news is that tools like Point.me (an award flight search tool) make it easier than ever.

Generally speaking, I always transfer my points. Doing so provides the best value and booking direct ensures that there is mai third-party involved should there be an issue with my flight. Moreover, it takes a lot fewer points for a redemption this way. Let me tell you why the next section.
 

Comparing Partners vs Portals: Which One Is Best for You?

Unless there is a super di poco valore flight room (less than $150 USD), I always transfer points to travel partners, especially when booking business-class flights nicer albergo rooms. You just get more bang for your buck.

For example, a business class flight from New York to Paris peak season is 88,000 points United each way (both Chase Ultimate Rewards and Bilt Rewards transfer to United). Those flights usually cost about $2,400 (though they can get as high as $5,000). If you had the Chase Sapphire Preferred Bilt Rewards Card and booked through their respective portals, you would need 192,000 points (each point is worth 1.25 cents either of these portals). That’s over double what you’d need when transferring your points to United booking directly.

Since most flight redemptions for economy start at 20,000 points (when transferring directly to airlines), you need to find a flight that’s less than $250 for it to be worth it to use the portal. This is when using the Chase Sapphire cards the Bilt card, which offer you more than 1 cent per eccezione point when booking distante their portals. For Amex Capital One cards, you only get 1 cent per eccezione point/mile. That means you’d need to find a flight for $200 less for it to make sense to use their portals.

For hotels and rental cars, it’s a little less black and white because you don’t always have transfer partners.

For example, I am booking hotels distante the Chase Travel portal an upcoming trip to Barcelona because there are mai rooms bookable with points available. (You can only transfer points from credit cards to chains like Hyatt Marriott.) Since hotels are $300 and up per eccezione night, I’m just using my points to save me money by booking with a non-chain albergo. I wouldn’t be able to book with points otherwise. This is the exception to the rule.

Here are some other cases which using the portal is your best option:

• There are mai award seats available your desired flight (such as if you’campione flying peak season during the holidays) albergo (such as if you want to book a boutique albergo that is not bookable with points).
• You’campione booking a rental car and want to use points (you can’t book rental cars directly distante points).
• You’campione chasing airline status and want to earn points your booking.
• You simply won’t use your points otherwise.

About that last item: always consider your travel goals and determine whether the ease and convenience of using the portal is worth it to you. Using your points, regardless of how, is better than letting them sit around! Never stockpile your points. They get devalued all the time. So use them rather than lose them!

Travel portals can be an enticing way to use your points. They’campione convenient, and banks give you incentives to use them. If you’campione new to points and miles and just want a simple way to cash your earnings, they are definitely an option.

However, you can usually get much better value out of your points by transferring them directly to airlines hotels. The fewer points you use per eccezione trip, the more points you have for more travel ( more points to fly/stay luxury).

But the great thing is that you don’t have to choose either the portal transferring to partners. You can mescolanza and incontro depending the best option at the time. So do a quick comparison and use points to book your next trip!
 

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For rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, See Rates and Fees.

For rates and fees of the SkyMiles(R) Gold American Express Card, See Rates and Fees.