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Earning and Using Credit Card & Hotel Points

June 21, 2017
6 min read
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Interested in using your credit cards to rack up points, but not sure how to go about it? Have you already earned tens, if not hundreds, of thousands of points and want to learn the best ways to use them for their maximum value? Then this is the FAQ page for you. See posts written by our highly knowledgeable team of points industry veterans, selected specifically to help you learn how to earn and burn like a pro.

Just want to know...

... What points are worth and if purchasing them is worth it? See our updated Points Valuations
... The best airline & hotel transfer partners? See: 10 Most Valuable Transfer Partners for Flights & Hotels
... The best cards to earn points on travel purchases? See: The 7 Best Cards for Travel Purchases
... The best way to keep track of your points and miles? See: How To Keep Track of Your Points and Miles

[table-of-contents /]

American Express - Membership Rewards

See: all things Membership Rewards

Earning points: Want to earn Amex Membership Rewards points? Sign up and get a huge bonus. Already did that? See this post:

Using Points: Want to use Amex Membership Rewards points? See these posts:

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For transferring your points to an airline or hotel, see the transfer partners, below:


Barclaycard - Arrival Miles

See: all things Barclaycard

Using Points: Want to use your Arrival Miles? See these posts:


Capital One - Venture Rewards

See: all things Capital One

Considering picking up a Capital One card? See some useful information, below

  • Is the Capital One Venture Rewards Card Worth Getting?
  • Why Capital One's Cards Aren't the Best for Award Travel

Chase - Ultimate Rewards

See: all things Ultimate Rewards

Earning points: Want to earn Chase Ultimate Rewards points? Sign up and get a huge bonus. Already did that? See this post:

Using Points: Want to use your Chase Ultimate Rewards points? See these posts:

For transferring your points to an airline or hotel, see the transfer partners, below.


Citi - ThankYou

See: all things ThankYou Points

Using Points: Want to use your Citi ThankYou points? See these posts:

For transferring your points to an airline or hotel, see the transfer partners, below:


IHG - IHG Rewards

See: all things IHG Rewards

Using Points: Want to use your IHG Rewards? See these posts:

For transferring your points to an airline or hotel, see some related content, below.


Hyatt - World of Hyatt

See: all things Hyatt & World of Hyatt

Earning points: Want to earn World of Hyatt points? See this post about which cards to have:

Using Points: Want to use your World of Hyatt points? See this post:

For transferring your points to an airline or hotel, see some related content, below.


Hilton - Hilton Honors

See: all things Hilton

Using Points: Want to use Honors points? See these posts:


Ritz-Carlton - Ritz-Carlton Rewards

See: all things Ritz-Carlton

Using Points: Want to use your Ritz-Carlton or Marriott Rewards? See this post:

For transferring your points to an airline or hotel, see some related content, below.


SPG/Marriott - Starpoints/Marriott Rewards

See: all things Starwood
See: all things Marriott

Using Points: Want to use your Starpoints or Marriott Rewards? See these posts:

For transferring your points to an airline or hotel, see SPG transfer partners, below:


Can't find what you're looking for? Check out our guides or travel resources page. Still nothing? Shoot us an email and we'll do our best to get back to you: info@thepointsguy.com. If you'd like to see something added to this FAQ, send us a Facebook message with what you think we're missing. If your request is popular with other readers we'll add it!

TPG featured card

Rewards rate
5X milesEarn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
2X milesEarn unlimited 2X miles on every purchase, every day
Intro offer
Open Intro bonus
Enjoy a $250 travel credit & earn 75K bonus miles
Annual fee
$95
Regular APR
19.49% - 28.49% (Variable)
Recommended credit
Open Credit score description
670-850Excellent, Good

Pros

  • Stellar welcome offer of 75,000 miles after spending $4,000 on purchases in the first three months from account opening. Plus, a $250 Capital One Travel credit to use in your first cardholder year upon account opening.
  • You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards are versatile and can be redeemed for a statement credit or transferred to Capital One’s transfer partners

Cons

  • Highest bonus-earning categories only on travel booked via Capital One Travel
  • LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Top rated mobile app