Earning and Using Credit Card & Hotel Points
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:
For transferring your points to an airline or hotel, see the transfer partners, below:
- For transferring to airlines see How Long It Takes for Amex Membership Rewards to Transfer.

Barclaycard - Arrival Miles
See: all things Barclaycard
Using Points: Want to use your Arrival Miles? See these posts:
- Maximizing Arrival Miles
- How the Arrival Plus Offers Great Travel Redemption Flexibility
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:
- Maximizing Ultimate Rewards Points
- Maximizing Chase Points for Domestic (USA) Travel
- Best Ways to Redeem Chase Points for Economy Tickets
For transferring your points to an airline or hotel, see the transfer partners, below.
- For transferring to another account, see How Long It Takes for Chase Ultimate Rewards to Transfer and How to Transfer Ultimate Rewards Points Between Accounts.
- For transferring to hotel brands, see how to transfer to IHG, Hyatt, Marriott and Ritz-Carlton.
- Not sure if you should transfer your points or book through the portal? See here.

Citi - ThankYou
See: all things ThankYou Points
Using Points: Want to use your Citi ThankYou points? See these posts:
- Maximizing ThankYou Points
- Maximizing ThakYou Points for Domestic Flights
- How to Redeem ThankYou Points for Flying Economy
- How to Use 100,000 Citi ThankYou Points
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:
- Maximize IHG Rewards for Free Nights
- Maximizing IHG Rewards for Family Travel
- 7 Low-Level IHG Properties that Make for Awesome Awards
- Historic IHG Hotels You Can Book With Points
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:
- The Award Travelers Guide to Hilton Honors
- How to Maximize Double-Dipping with Hilton
- Maximizing Hilton Honors for Family Travel
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:
- Maximizing Starpoints
- Maximizing Marriott Rewards Points
- 9 Marriott Properties that Make Awesome Award Redemption
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
at Capital One's secure site
Terms & restrictions apply. See rates & fees.
| 5X miles | Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 2X miles | Earn unlimited 2X miles on every purchase, every day |
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


