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
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
Rewards
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)Pros
- The Capital One Venture X business card has a very lucrative welcome offer.
- In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
- Business owners are also able to add employee cards for free.
Cons
- The card requires significant spending to earn the welcome offer.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app
Rewards Rate
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Intro Offer
Earn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsLIMITED-TIME OFFER: Earn up to 400K bonus milesAnnual Fee
$395Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850Excellent
Why We Chose It
The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)Pros
- The Capital One Venture X business card has a very lucrative welcome offer.
- In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
- Business owners are also able to add employee cards for free.
Cons
- The card requires significant spending to earn the welcome offer.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
- Top rated mobile app

