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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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Earn more and spend less: 5 tips on how to use your points and miles better in 2025
Kyle Olsen is the former points and miles reporter at TPG. He specializes in maximizing points and miles, elite status and credit cards so readers travel more comfortably and at a lower cost.
Ben Smithson is a senior writer for TPG and is based in London. Originally from Australia and a qualified lawyer with a financial services background, he has almost a decade of experience writing about a broad range of travel and loyalty topics.
also contributed to this story
December 5, 2024 • 8 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Quick summary
The article outlines five practical strategies to maximize travel rewards in 2025, including transferring rewards to hotel and airline loyalty programs for better value.
Transferring rewards to certain hotel programs can yield higher redemption value compared to others, as shown by recent TPG valuations.
Booking award flights through loyalty programs rather than travel portals can require significantly fewer points or miles, especially during peak travel periods.
Tracking your points and miles, joining multiple loyalty programs and using online shopping portals are recommended to optimize earning and redemption potential.
What to consider
Some offers and redemption options mentioned may no longer be available, so check for current details before acting.
Award rates and redemption values can vary widely between programs and dates, making it important to compare options before transferring rewards.
Using automated tools can help keep track of balances, expiration dates and the current value of your rewards.
What you'll miss from the article
Specific examples and step-by-step comparisons showing how to maximize the value of your points and miles for flights and hotel stays.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
At TPG, we try to cross off a few destinations from our travel wish list yearly. However, finding the most economical way to get there and back is challenging. Although many TPG readers and staffers use credit card rewards for flight bookings, you might be unsure if you're getting the best deal from your rewards.
To address this, we made it a New Year’s resolution to help our readers understand how to maximize their points and miles. You can minimize your travel expenses and explore more places by using your rewards more efficiently.
Here are five easy tips to maximize your travel rewards in 2025.
For example, 21,000 World of Hyatt points are enough for a standard free night on an off-peak date at a Category 6 property like the Great Scotland Yard Hotel or the Park Hyatt Chicago. Redeeming these points could get you into a room that would otherwise cost more than $500 per night on most dates. World of Hyatt gives all members waived resort fees on award stays, which can add to the savings.
Here are some of the best cards to earn Ultimate Rewards points:
Chase Sapphire Preferred® Card (see rates and fees): Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Chase Sapphire Reserve® (see rates and fees): Earn 150,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
Ink Business Preferred® Credit Card (see rates and fees): Earn 100,000 bonus points after you spend $8,000 on purchases in the first three months from account opening.
Ink Business Cash® Credit Card (see rates and fees): Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.
Ink Business Unlimited® Credit Card (see rates and fees): Earn $750 bonus cash back after spending $6,000 on purchases in the first three months from account opening.
Chase Freedom Flex® (see rates and fees): Earn a $200 bonus after spending $500 on purchases in your first three months from account opening.
Chase Freedom Unlimited® (see rates and fees): Earn a $200 bonus after spending $500 on purchases within the first three months from account opening.
The first three cards earn fully transferable Ultimate Rewards points, while the remaining four are technically billed as cash-back credit cards.
However, if you also have an Ultimate Rewards points-earning card, you can convert your Chase cash-back rewards to Ultimate Rewards points. For this reason, having more than one Chase card in the family can make sense to maximize your earning and redeeming potential.
Learn how to transfer credit card rewards
ZACH GRIFF/THE POINTS GUY
You might consider using your Chase Ultimate Rewards points to book travel directly in the Chase Travel℠ portal, but let’s look at what that means for a one-way flight from Los Angeles International Airport (LAX) to Heathrow Airport (LHR) next summer.
I picked a nonstop sample United Airlines flight that would cost $1,128 in regular economy class if I booked through Chase Travel.
CHASETRAVEL.COM
If you have the Chase Sapphire Reserve, you can redeem Chase Ultimate Rewards points for travel through the portal at up to 2 cents apiece. So, this flight would require 75,200 Ultimate Rewards points if you have the Chase Sapphire Reserve and redeem for this flight through Chase’s travel portal. If you had the Chase Sapphire Preferred, your Ultimate Rewards points are worth a slightly lower 1.75 cents each when redeemed through Chase Travel, so you would need 90,240 Ultimate Rewards points.
Alternatively, you can book this flight in regular economy for 40,000 MileagePlus miles and just $5.60 in taxes and fees. Remember, you can transfer Chase Ultimate Rewards points to United MileagePlus at 1:1.
UNITED.COM
When you transfer credit card rewards to a loyalty program, you usually won’t earn frequent flyer miles on your ticket (which you typically would accrue when booking through the Ultimate Rewards travel portal). However, you'll likely come out well in front if you save tens of thousands of credit card points by transferring them to a partner airline program rather than redeeming them through a credit card travel portal.
Check award rates with transfer partners before redeeming rewards through your credit card issuer’s travel portal. Transferring rewards to book award flights or stays may make sense when paid rates are high (like on peak summer dates) or award rates are low.
Using your points and miles properly is difficult if you don’t track them accurately. Luckily, there are many ways to track your points and miles.
Many of us used to track our rewards manually in a Word or Excel document, but this was time-consuming and cumbersome to keep up to date. So, you might want to use an automated tool. One option is the TPG App, which keeps track of all your balances in the same place, automatically calculates their value and gives you a heads-up when they will expire.
The TPG App gives you a snapshot of your current situation and can help inform your travel plans. When you log in, you’ll see where you have the most rewards with the accounts you’ve synced (and the value using TPG’s monthly points and miles valuations).
Many people fail to sign up for every loyalty program because they think they’ll never really fly JetBlue or stay at a Hilton. But that mindset has cost travelers millions of points and miles.
Even if you aren’t loyal to one airline or hotel chain, signing up for the program when you fly or stay means adding more rewards to your balance whenever you use the program again. You might even get extra perks, such as free Wi-Fi during your hotel stay, just for being a member.
While you might not want to join every program now, consider ensuring you have a loyalty number listed on every flight you take. Doing so will build up rewards in various programs that could eventually get you a free trip.
You could earn more rewards on purchases for yourself or loved ones this holiday season through a shopping portal. These portals are essentially online shopping malls that partner with thousands of merchants. By starting at the portal rather than going directly to the retailer’s site, you can earn bonus points or miles on thousands of items.
For example, let’s assume you want to buy a transfer or tour through Viator. If you go directly to the Viator website, you’ll only earn rewards for your credit card purchase. If you instead click through the AAdvantage shopping portal, for example, before making your purchase, you could snag extra rewards.
Should you prefer earning cash back instead of points and miles, you can explore online shopping portals like Rakuten and TopCashback. We recommend using a shopping portal aggregator each time you make an online purchase to find the program that offers the best return for your merchant.
With the start of a new year, there are numerous possibilities to modify your strategy for earning and redeeming points and miles.
Following a simple strategy, such as ensuring you have a frequent flyer number associated with every flight you take, can significantly reward you.
We're already dreaming of our next adventure using points and miles.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
