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Issuer</div><a href="/credit-cards?#favorites-personal" class="dropdown-link w-dropdown-link"><strong class="bold-text">All Issuers</strong></a><a href="/ranked-credit-cards/american-express-cards" class="dropdown-link w-dropdown-link">American Express</a><a href="/ranked-credit-cards/capital-one-cards" class="dropdown-link w-dropdown-link">Capital One</a><a href="/ranked-credit-cards/chase-cards" class="dropdown-link w-dropdown-link">Chase</a><a href="/credit-cards/bilt-mastercard" class="dropdown-link w-dropdown-link">Bilt</a><a href="https://oc.brcclx.com/t?lid=26752779" class="dropdown-link w-dropdown-link">Other</a></div><div id="w-node-_6aaf8b5e-65dd-82d2-a5b7-cba7e0b17170-e0b1714a" class="vertical-line"></div><div id="w-node-_6aaf8b5e-65dd-82d2-a5b7-cba7e0b17171-e0b1714a" class="vertical-stacker"><div class="bold _10-left">Points Programs</div><a href="/ranked-credit-cards/cards-for-american-airlines" class="dropdown-link w-dropdown-link">AA Miles</a><a href="/ranked-credit-cards/aeroplan-points" class="dropdown-link w-dropdown-link">Aeroplan Points</a><a href="/ranked-credit-cards/alaska-airline-miles" class="dropdown-link w-dropdown-link">Alaska Miles</a><a href="/ranked-credit-cards/best-cards-for-earning-avianca-lifemiles" class="dropdown-link w-dropdown-link">Avianca Lifemiles</a><a href="/ranked-credit-cards/delta-airlines-cards" class="dropdown-link w-dropdown-link">SkyMiles</a><a href="/ranked-credit-cards/best-cards-for-earning-singapore-airlines-krisflyer-miles" class="dropdown-link w-dropdown-link">Krisflyer Miles</a><a href="/ranked-credit-cards/virgin-atlantic-points" class="dropdown-link w-dropdown-link">Virgin Atlantic Points</a></div><div id="w-node-_6aaf8b5e-65dd-82d2-a5b7-cba7e0b17182-e0b1714a" class="vertical-line"></div><div id="w-node-_6aaf8b5e-65dd-82d2-a5b7-cba7e0b17183-e0b1714a" class="vertical-stacker"><div class="bold _10-left">Airline Cards</div><a href="/ranked-credit-cards/airline-credit-cards" class="dropdown-link w-dropdown-link">Top Airline Cards</a><a href="/ranked-credit-cards/southwest-airlines-cards" class="dropdown-link w-dropdown-link">Southwest Airlines</a><a href="/ranked-credit-cards/united-airlines-cards" class="dropdown-link w-dropdown-link">United Airlines</a><a href="/ranked-credit-cards/delta-airlines-cards" class="dropdown-link w-dropdown-link">Delta Airlines</a><a href="/ranked-credit-cards/cards-for-american-airlines" class="dropdown-link w-dropdown-link">American Airlines</a></div><div id="w-node-_6aaf8b5e-65dd-82d2-a5b7-cba7e0b17190-e0b1714a" class="vertical-line"></div><div id="w-node-_6aaf8b5e-65dd-82d2-a5b7-cba7e0b17191-e0b1714a" class="vertical-stacker"><div class="bold _10-left">Hotel Cards</div><a href="/ranked-credit-cards/hotel-credit-cards" class="dropdown-link w-dropdown-link">Top Hotel Cards</a><a href="/ranked-credit-cards/marriott-bonvoy-cards" class="dropdown-link w-dropdown-link">Marriott Bonvoy</a><a href="/ranked-credit-cards/hilton-credit-cards" class="dropdown-link w-dropdown-link">Hilton</a><a href="/ranked-credit-cards/ihg-cards" class="dropdown-link w-dropdown-link">IHG</a><a href="/ranked-credit-cards/world-of-hyatt" class="dropdown-link w-dropdown-link">World of Hyatt</a></div><div id="w-node-_6aaf8b5e-65dd-82d2-a5b7-cba7e0b1719e-e0b1714a" class="vertical-line"></div><div id="w-node-_6aaf8b5e-65dd-82d2-a5b7-cba7e0b1719f-e0b1714a" class="vertical-stacker"><div class="bold _10-left">Card Perks</div><a href="/ranked-credit-cards/global-entry-cards" class="dropdown-link w-dropdown-link">Global Entry</a><a href="/ranked-credit-cards/tsa-precheck-cards" class="dropdown-link w-dropdown-link">TSA PreCheck®</a><a href="/ranked-credit-cards/nexus-cards" class="dropdown-link w-dropdown-link">NEXUS</a><a href="/ranked-credit-cards/clear-cards" class="dropdown-link w-dropdown-link">CLEAR</a><a href="/ranked-credit-cards/priority-pass-cards" class="dropdown-link w-dropdown-link">Priority Pass</a><a href="/ranked-credit-cards/no-foreign-transaction-fee-cards" class="dropdown-link w-dropdown-link">No Foreign Transaction Fee</a></div></div></div></nav></div><div data-hover="true" data-delay="0" class="nav-dropdown w-dropdown"><div class="dropdown-toggle w-dropdown-toggle"><div class="dropdown-icon w-icon-dropdown-toggle"></div><div>Miles & Points</div></div><nav class="dropdown-list w-dropdown-list"><div class="container"><div class="w-layout-grid nav-grid"><div id="w-node-ce6b2c98-4c46-3c0b-5dac-5eaa60b7aaee-60b7aaec" class="vertical-stacker"><div class="bold _10-left">Credit Card Reward Programs</div><a href="/pages/all-credit-card-programs" class="dropdown-link w-dropdown-link"><strong class="bold-text-5">All Programs</strong></a><a href="/pages/daily-drop-s-guide-to-american-express-membership-rewards" class="dropdown-link w-dropdown-link">American Express Membership Rewards</a><a href="/pages/daily-drop-s-guide-to-capital-one-miles" class="dropdown-link w-dropdown-link">Capital One Miles</a><a href="/pages/daily-drop-s-guide-to-chase-ultimate-rewards" class="dropdown-link w-dropdown-link">Chase Ultimate Rewards</a><a href="/pages/daily-drop-s-guide-to-citi-thankyou-r-rewards" class="dropdown-link w-dropdown-link">Citi ThankYou® Points</a><a href="/pages/daily-drop-s-guide-to-bilt-rewards" class="dropdown-link w-dropdown-link">Bilt Rewards</a></div><div id="w-node-ce6b2c98-4c46-3c0b-5dac-5eaa60b7aafe-60b7aaec" class="vertical-line"></div><div id="w-node-ce6b2c98-4c46-3c0b-5dac-5eaa60b7aaff-60b7aaec" class="vertical-stacker"><div class="bold _10-left">Airline Reward Programs</div><a href="/pages/popular-airline-loyalty-programs" class="dropdown-link w-dropdown-link"><strong class="bold-text-6">All Programs</strong></a><a href="/pages/daily-drop-s-guide-to-united-mileageplus" class="dropdown-link w-dropdown-link">United MileagePlus</a><a href="/pages/ daily-drop-s-guide-to-delta-skymiles" class="dropdown-link w-dropdown-link">Delta SkyMiles</a><a href="/pages/daily-drop-s-guide-to-american-airlines-aadvantage" class="dropdown-link w-dropdown-link">American Airlines AAdvantage</a><a href="/pages/daily-drop-s-guide-to-southwest-rapid-rewards" class="dropdown-link w-dropdown-link">Southwest Rapid Rewards</a><a href="/pages/daily-drop-s-guide-to-virgin-atlantic-flying-club" class="dropdown-link w-dropdown-link">Virgin Atlantic Flying Club</a></div><div id="w-node-ce6b2c98-4c46-3c0b-5dac-5eaa60b7ab1b-60b7aaec" class="vertical-line"></div><div id="w-node-ce6b2c98-4c46-3c0b-5dac-5eaa60b7ab1c-60b7aaec" class="vertical-stacker"><div class="bold _10-left">Hotel Reward Programs</div><a href="/pages/hotel-reward-programs" class="dropdown-link w-dropdown-link"><strong class="bold-text-7">All Programs</strong></a><a href="/pages/the-ultimate-guide-to-hilton-honors" class="dropdown-link w-dropdown-link">Hilton Honors</a><a href="/pages/the-ultimate-guide-to-marriott-bonvoy" class="dropdown-link w-dropdown-link">Marriott 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href="/pages/miles-points-101-nate-s-points-earning-philosophy" class="dropdown-link w-dropdown-link">Part 4: Nate's Points-Earning Philosophy</a><div class="bold _10-left"> </div></div></div></div></nav></div><div data-hover="true" data-delay="0" class="nav-dropdown w-dropdown"><div class="dropdown-toggle w-dropdown-toggle"><div class="dropdown-icon w-icon-dropdown-toggle"></div><div>Travel Resources</div></div><nav class="dropdown-list w-dropdown-list"><div class="container"><div class="w-layout-grid nav-grid _5-column"><div id="w-node-f414b3fe-5bd9-5845-dcbe-1ccdeeeccc50-eeeccc4e" class="vertical-stacker"><div class="bold _10-left">Tools</div><a href="https://www.dailydrop.com/transfer-partners-cheat-sheet" class="dropdown-link w-dropdown-link">Transfer Partner Cheat Sheet</a><a href="https://faredrop.com/?utm_source=daily-drop&utm_medium=nav-bar" class="dropdown-link w-dropdown-link">Daily Drop Pro</a><a href="/cardmatch" class="dropdown-link 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This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.</p></div></div></div></div><div class="desktop-search-bar"><div class="container search-special"><form action="/search" class="search w-form"><input class="search-input w-input" autofocus="true" maxlength="256" name="query" placeholder="Search…" type="search" id="search" required=""/><input type="submit" class="button w-button" value="Search"/></form></div></div></header></div><section class="section paper uppermost"><div class="container post-special"><div class="vertical-stacker _50-above full-width"><div class="horizontal-stacker page-hero-special"><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10d28706d4a66d17de4d8_-OK95pitX6ChuEAampRO.webp" class="mobile-title-image _10-right mobile-only"/><h1>Miles & Points 101: Earning and Redeeming Miles and Points</h1></div><div class="horizontal-stacker"><div class="time-to-read"><img src="https://cdn.prod.website-files.com/64ed499baa00b66226cc475c/64ed49aa284401c594a1bcd0_Time.svg" loading="lazy" alt="" class="_5-right"/><div class="_5-right">Time to read:</div><div>27 minutes and 13 seconds </div></div><div class="social-shares"><a data-share-facebook="true" href="#" class="social-share-button fb w-inline-block"></a><a data-share-linkedin="true" href="#" class="social-share-button li w-inline-block"></a><a data-share-twitter="true" href="#" class="social-share-button x w-inline-block"></a></div></div></div></div></section><section class="section white-background sticky"><div data-w-id="034d12f6-0396-364c-a4f5-4df2cdc49bc9" class="container content-special semi-sticky"><div class="progression-slider"><div class="progression-inner"><img src="https://cdn.prod.website-files.com/64ed499baa00b66226cc475c/64f16d0fd7acc99e5e95039f_Progression%20Plane.svg" loading="lazy" alt="Airplane icon" class="progression-plane"/></div></div><div class="post-left"><div class="fun-fact"><div class="w-richtext"><h2>What’s a Rich Text element?</h2><p>The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.</p><h4>Static and dynamic content editing</h4><p>A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!</p><h4>How to customize formatting for each rich text</h4><p>Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.</p></div></div><div class="progression-anchor"></div><div id="content"><div class="w-condition-invisible"><div class="w-dyn-list"><div class="w-dyn-empty"></div></div></div><div id="affiliate-container" class="w-layout-blockcontainer container centred w-container"><div class="w-embed w-script"><script id="init-subaffiliate" src="https://assets.dailydrop.com/cobranding.min.js" defer="defer"></script></div><div id="affiliate-container-block" affiliate-container-block="true" class="full-width centred _20-above _40-below display-none"><div class="div-block-3"><div class="w-layout-grid grid-4"><img src="https://cdn.prod.website-files.com/64ed499baa00b66226cc475c/65a74361e4ae12986f067591_Video%20Active.svg" loading="lazy" affiliate-image="true" id="affiliate-image" alt="" class="cobranded-affiliate-image w-node-bdc8c97b-481c-0a5e-933f-66f230bd7b3f-aed4ffc3"/><div id="w-node-_3add7540-611f-eba2-6891-aadf74189c6b-aed4ffc3" class="div-block-4"><div class="powered-by">POWERED BY</div><a id="affiliate-daily-drop-logo-link" aria-label="Daily Drop Home Page" affiliate-daily-drop-logo-link="true" href="/old-home" class="link-block-2 w-inline-block"><img src="https://cdn.prod.website-files.com/64ed499baa00b66226cc475c/64ed49aab7e252ce076456d1_Logo.svg" loading="lazy" alt="" class="cobranded-daily-drop-logo"/></a></div></div></div></div></div><div class="old-content w-condition-invisible"><div>It's been over 72 hours since this video was published, so some info and links might be out of date or expired.</div></div><div class="w-richtext"><style> h1 a, h2 a, h3 a, h4 a, h5 a, h6 a { font-size: inherit; } </style><div class="rendered-post" style="max-width: 672px; margin: 0 auto;"><div class="bg-wt-background text-wt-text-on-background"><div style="padding-top:1.5rem; padding-bottom:1.5rem;"><div id="content-blocks"><div id="earning-redeeming-miles-and-points" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:left;"><b>Earning & redeeming miles and points</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> Now it’s time to get to the good stuff! These next few sections are going to be devoted to teaching you the specific strategies behind earning and redeeming miles and points for (nearly) free travel.<span style=""> </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">You’ll have to earn the points before you can start redeeming them, but I think these strategies are easiest to understand when we look at the situation backwards. So I want to start by explaining how you can redeem the different types of points. After you understand that, the last thing we’ll cover is how to earn points. </span></p></div><div id="redeeming-miles-points-and-how-much" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Redeeming miles & points (and how much they’re worth)</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style=""> </span>As we established earlier, there are four different types of miles and points (fixed value points, frequent flyer miles, hotel points, and transferable points). Each type of point requires a different strategy for redemption, so we’ll look at the strategy for each type below. </p></div><div id="fixedvalue-points" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h3 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:20px;font-weight:normal;line-height:30px;margin:0;text-align:start;"><b>Fixed-value points</b></h3></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> These are the most straightforward to redeem because, as the name implies, they have a fixed value. As you may remember, you can earn fixed-value points by signing up for certain <a class="link" href="/credit-cards?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">bank credit cards</a>. Each bank requires you to redeem them in slightly different ways, but more or less, each point is worth between 1 - 1.5 cents each when used in a fixed-value way. Plus, you can redeem them for almost any travel expense! </p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">One of the most popular travel credit cards on the market is the </span><span style=""><a class="link" href="/go/capital-one-venture-rewards-credit-card?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Capital One Venture Rewards Credit Card</a></span><span style="">. You can probably get more value by signing up for other travel credit cards (like the </span><span style=""><a class="link" href="/go/chase-sapphire-preferred-card?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Chase Sapphire Preferred® Card</a></span><span style=""> as one example), but it’s the simplicity that draws people to Capital One.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> 💡<span style="">Just know that you can also transfer Capital One miles to travel partners, but we’ll get to transferable points later.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">If you’d like to use your Capital One Miles to offset some travel expenses, you can do so in a fixed-value way—even “paying yourself back” retroactively. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">In order to redeem your </span><span style=""><a class="link" href="/pages/daily-drop-s-guide-to-capital-one-miles?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Capital One miles</a></span><span style=""> in this way</span>, all you need to do is use your credit card to buy something travel-related, and your points can be used to cover that purchase. For example, if you purchase a $300 flight, you can redeem 30,000 miles to remove that expense from your credit card statement.  </p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10171ab65851baebcb6b3_23.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">If you want to learn how you can earn way more miles and points and squeeze the maximum amount of value out of them, keep reading! </span></p></div><div id="frequent-flyer-miles" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Frequent flyer miles</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> Frequent flyer miles are the most complicated miles to redeem. The most popular U.S.-based frequent flyer programs include <a class="link" href="/pages/daily-drop-s-guide-to-american-airlines-aadvantage?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">American Airlines AAdvantage</a>, <a class="link" href="/pages/daily-drop-s-guide-to-united-mileageplus?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">United MileagePlus</a>, and <a class="link" href="/pages/%20daily-drop-s-guide-to-delta-skymiles?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Delta SkyMiles</a>. All of these programs generally work the same way, with some notable differences.  </p></div><div id="determining-how-many-points-you-nee" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h3 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:20px;font-weight:normal;line-height:30px;margin:0;text-align:start;"><b>Determining how many points you need: Award charts vs. dynamic pricing</b></h3></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> In the past, the amount of miles you would need to fly from one place to another is determined by which “zones” you are flying between. This is commonly referred to as a “Zone-Based Award Chart.” An award chart is a fancy name for a chart that tells you how many miles you need to book a flight. Sometimes the flights you book with points are referred to as “award flights,” hence the name “award chart.”<span style=""> </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> Many airline programs have moved to the dynamic model which is largely seen as a devaluation. </p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> This means that <b>as cash prices fluctuate for tickets, so will the award rates </b>of the required miles and points needed for any particular flight. </p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">The current system of dynamic pricing applies to United Airlines, Delta Airlines, American Airlines, and most other airlines around the world.</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66883bbe12f0f31364f07be2_28.png"><div style="margin:0 auto 0 auto;padding-left:0px;padding-right:0px;padding-top:4px;text-align:center;width:100%;"><small style="color:#222222;color:var(--wt-text-on-background-color) !important;font-size:12px;font-style:italic;text-decoration-color:#222222;text-decoration:none;"><p>The points cost for the same route on the same day can vary widely with dynamic pricing.</p></small></div></div><div id="what-is-an-award-flight" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>What is an award flight?</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> In the next section we’re going to walk you through how to book an award flight, but first we need to explain what that even means. <b>Award flights are essentially flights that are bookable with points.</b> But here’s what you might not know—just because a flight exists doesn’t mean you can book it with points. You might find search results for a normal cash booking that won’t show up when you do the same search with points.<span style=""> </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">This is because airlines only dedicate a certain number of “award seats” per flight, and these seats are only available to book when airlines “release” them. Some airlines only open up award space a week or two before the flight while others will show award space months in advance. It’s important to keep this in mind as you begin your miles and points journey, because flights that show up today might disappear tomorrow, and vice versa.</span></p></div><div id="how-to-find-award-flights" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>How to find award flights</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">I’m now going to walk you through how to go about finding one of these flights on United’s website. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Step 1:</b><span style=""> Type in your departure city and destination, and make sure to click “book with miles.” This is what tells United that you want to search for a flight you can book with points instead of cash. </span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10171ab65851baebcb6b6_29.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Step 2: </b><span style="">Expand the calendar so you can see all of your options</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10171ab65851baebcb6bc_30.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Step 3:</b><span style=""> Look for the flights that cost the least amount of points. These are the “Saver Awards.”</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10171ab65851baebcb6c8_31.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Step 4:</b><span style=""> Once you’ve found a departure date that offers Saver Awards, click on that date on the map. Below the map you’re going to see all of the Saver Award flights offered on that day. Find the flight option that looks best to you, and select it. </span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10171ab65851baebcb6bf_32.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:left;"><span style="">At this point, you’ve selected your outbound flight. If you’re only flying on a one-way flight… </span><b>Congratulations! You’ve found your award flight. </b><span style="">Now all you need to do is book it using the points that are already in your account.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">If you’re booking a round-trip flight, all you need to do is repeat the process to find your return flight.</span>  </p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Now I want you to try it for yourself. If you had enough points to fly anywhere in the world, where would you fly? Do a search between your home airport and your dream destination to see if you can find a Saver Award flight! </span></p></div><div id="taxes-and-fees" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Taxes and fees</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">You may be wondering why there are charges in addition to the points required to book your award flight. Unfortunately, some of these taxes and fees are unavoidable, so you’ll always have to pay at least a few dollars to book an award ticket. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">The good news is that some of the bigger fees are avoidable if you’re strategic. Let’s look at the different types of fees that can be tacked on to an award ticket. The other piece of good news is that every country has different laws regarding taxes and fees, and the U.S. has some of the cheapest airline taxes in the world.</span></p></div><div id="unavoidable-fees" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Unavoidable fees</b></h2></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10171ab65851baebcb6c2_33.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">There are several unavoidable fees that you may see when booking an award flight. The most common fee you’ll see is the 9/11 security. I’m actually not exactly sure what it’s for (I assume it has something to do with paying for additional airport security after 9/11), but it’s a fee that’s added to any flight that passes through a U.S. airport. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">As you can see from the image above, there are other airports outside the U.S. that also tack on unavoidable fees. In the example above, the flight from New York to Singapore has a connection through a German airport, and they are assessing a “Germany Passenger Service Charge”  fee of $24.20. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">The amount you’ll pay in airport fees varies depending on the countries your flight travels through. Unfortunately, these fees are unavoidable, but thankfully these fees are usually relatively low compared to the avoidable fees I’m going to tell you about. </span></p></div><div id="fuel-surcharges" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Fuel surcharges</b></h2></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10172ab65851baebcb6e8_34.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Fuel surcharges are sneaky fees that some airlines tack on to award flights for no apparent reason. These are the fees you really want to watch out for because some of them can be really expensive. For example, if you use your </span><span style=""><a class="link" href="/pages/daily-drop-s-guide-to-american-airlines-aadvantage?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">American Airlines miles</a></span><span style=""> to book a flight on British Airways, you’ll usually pay a high fuel surcharge when flying to Europe (especially if you’re flying through London).  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style=""><b>The good news is that these fees are usually avoidable just by changing which airline you’re flying with.</b></span><span style=""> In this specific example, you can avoid the majority of these fees by using your miles to fly on American Airlines instead of British Airways.  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">I won’t go through all of the strategies for avoiding fuel surcharges here because it’s not something I want you to get hung up on at this point in your miles and points journey. You just need to be aware that they exist.</span></p></div><div id="how-much-are-frequent-flyer-miles-w" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>How much are frequent flyer miles worth?</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Let’s say you want to redeem your frequent flyer miles for a round-trip flight from Los Angeles to Bangkok, Thailand. In order to determine the true value per point, you first need to determine how much it would cost you to buy that flight without the points (the out of pocket cost). </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">An average price for this round-trip flight might be $1,200.  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Next, you should determine how many frequent flyer miles you need to redeem to get this flight for (nearly) free. Let’s say for the sake of this example that the flight will cost 80,000 points and an additional $25 in taxes and fees.  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">So now we have all of the numbers, and we can do the math. It’s important to first subtract the taxes and fees from the cash cost, because you are still paying this fee and therefore not getting any value from your points toward it. This is important to remember when you’re looking at airlines with really high taxes and fees. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">[$1,200-$25/80,000 = $.014] </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style=""><b>You’re getting a value per point of roughly $.014 </b></span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">This gives you an idea of the value you’d be getting by signing up for an </span><span style=""><a class="link" href="/ranked-credit-cards/airline-credit-cards?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">airline credit card</a></span><span style="">. If you sign up for an airline credit card that has a 50,000-point welcome offer, and you redeem those points at a value of $.014, the sign up offer on that credit card would be worth $700! </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">[50,000 x .014 = $700] </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">However, the value per point can change depending on the cost of the flight. The miles needed to fly to the destination won’t change. So if the flight is more expensive, you can get even more value out of your points.  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">For example, if you are booking the flight from Los Angeles to Bangkok at the last minute, usually that’s when flights get more expensive. So this flight could cost as much as $2,000. You would still only need 80,000 points for the free flight. Therefore, your value per point would increase to $.025. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">[$2,000/80.000 = $.025]</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">The reason you can’t determine a fixed value for frequent flyer miles is because the costs of flights are always changing, and as the costs of the flights change, so does the value of the point. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">That covers the basics of using your frequent flyer miles to book award flights. It can seem a bit complicated at first, but with a little practice you’ll get the hang of it. It will eventually become easier to find the award flight you desire. Even if you’re still a bit confused, I don’t want you to get hung up on the details at this point in the process. You still need to go through the process of earning the points which will take you at least a couple of months. So you have plenty of time to practice!</span></p></div><div id="redeeming-hotel-points" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Redeeming hotel points</b></h2></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10171ab65851baebcb6b9_35.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Thankfully, redeeming hotel points is simple, and the process doesn’t vary much between hotels like it does for airlines. Before I dive into redeeming hotel points, I want to make sure you understand how hotel brands are structured.  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">In most cases, multiple hotel chains are grouped together under one major brand. There are really only four major hotel groups that you’ll be earning points with, and each one of these groups owns a bunch of different hotel properties. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Each group has its own loyalty program which means if you stay at any of the properties owned by that hotel group, you’ll earn the same type of points. For example, Hilton is a hotel group and they own a bunch of different brands. If you stay at any property from any of these brands, you’ll earn </span><span style=""><a class="link" href="/pages/the-ultimate-guide-to-hilton-honors?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Hilton Honors points</a></span><span style="">. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">If you stay at a Hampton Inn, you’ll earn Hilton Honors points. If you stay at the Conrad, you’ll earn Hilton Honors points. If you stay at the DoubleTree, you’ll also earn Hilton Honor points. After you earn these points, you can also redeem them at any property that falls under the Hilton brand. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Similar to airlines, hotel chains used to have award charts. Like with these airlines, most have transitioned to a dynamic pricing model (points cost is tied to the cash cost). The only remaining holdout is World of Hyatt, which still uses its award chart (fingers crossed it stays that way!) </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">The only way to know how many points you’ll need for a trip is to search for the city you want to stay in and then see exactly how much different properties cost based on that search. Searching for hotel award nights is super simple, and they all work pretty much the same way. Just search for the city you want to stay in, the night you want to stay, then just find the button that changes your search from cash to points. I’ll show you where to find that button for each of the major hotel groups.</span></p></div><div id="hilton-honors" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h3 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:20px;font-weight:normal;line-height:30px;margin:0;text-align:start;"><b>Hilton Honors</b></h3></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">After you’ve searched for the city where you want to stay, you’ll see a results page with all of the hotels available in that city. At the top right of the results page, you’ll see the button that allows you to see the price in points. </span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10172ab65851baebcb6f1_37.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> You can learn more about Hilton’s loyalty program <a class="link" href="/pages/the-ultimate-guide-to-hilton-honors?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">here</a>. </p></div><div id="marriott-bonvoy" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Marriott Bonvoy</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">On the Marriott homepage where you’re doing your initial search, you’ll see a check box in the lower right hand corner that says “Use Points.” Just check this box before hitting the search button to search for award nights. </span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66883bbe12f0f31364f07bc9_Screen_Shot_2022-10-20_at_9.08.12_AM_1024x1024.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> You can learn more about Marriott Bonvoy’s loyalty program <a class="link" href="/pages/the-ultimate-guide-to-marriott-bonvoy?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">here</a>. </p></div><div id="world-of-hyatt" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>World of Hyatt </b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Similar to Marriott, there is a check box located in the bottom right hand corner of the search bar on the home screen. Just check the box that says “Use Points” before clicking the button that says “Find Hotels.”</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> Learn more about World of Hyatt’s program <a class="link" href="/pages/the-ultimate-guide-to-world-of-hyatt?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">here</a>. </p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66883bbe12f0f31364f07c05_41.png"></div><div id="ihg-one-rewards" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>IHG One Rewards</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">After you’ve searched for the city where you want to stay, you’ll see a results page with all of the hotels available in that city. At the top right of the results page, you’ll see the drop-down menu that allows you to change from money to points (or a combination of the two). </span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10171ab65851baebcb6cb_43.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> Learn more about IHG One Rewards <a class="link" href="/pages/the-ultimate-guide-to-ihg-one-rewards?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">here</a>. </p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Once you find a room that you want to stay in, all you need to do is complete the checkout process by using the points in your account. The great thing about award nights is that you normally don’t have to pay taxes and fees when you use your points, so you can actually book a hotel room without spending a single penny.</span></p></div><div id="how-much-are-hotel-points-worth" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>How much are hotel points worth?</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> This is going to give you a better idea of why all points aren’t created equal. For the most part, <b>airline miles will always be more valuable than hotel points. </b>You’ll see why in the example below. </p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">For this example, we’ll use a hotel stay at a Hilton hotel in New York City. A Google search tells me that the out of pocket cost to stay at the Hilton Times Square is approximately $215.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">You’d need 80,000 points for a one-night stay here (I’ll show you how to determine the amount of points you’ll need in the “redeeming points” lesson below).</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">So now that we have both of our numbers, we can do the math:</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">[$215/80,000 = </span><b>$.0026</b><span style="">]</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">As you can see, our value per point in this example with hotel points is substantially lower than the value we got from our airline miles in the example above. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">So when you see that a </span><span style=""><a class="link" href="/ranked-credit-cards/hotel-credit-cards?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">hotel credit card</a></span><span style=""> has a sign-up offer of 100,000 points and an airline credit card has a sign-up offer of 50,000 points, remember that not all points are created equal. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Just because one sign-up bonus offers more points than another, it doesn’t mean you’ll get more value out of those points. In order to determine the value of a credit card sign-up offer, you need to figure out the value per point. In most cases, the value you get from frequent flyer miles will be substantially more than the value you get from hotel points, which is why I mainly focus on earning frequent flyer miles.</span></p></div><div id="free-night-certificates" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Free night certificates</b></h2></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10172ab65851baebcb6eb_44.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Another thing you’ll probably run into during your miles and points journey is free night certificates. </span><span style=""><b>These are certificates that you can redeem for free nights at hotels</b></span><span style="">, and you usually earn them by signing up for different credit cards. There are even credit cards that offer you a free night award every year just for keeping your card open! </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> For example, both the <a class="link" href="/go/the-marriott-bonvoy-boundless-card?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Marriott Bonvoy Boundless® Credit Card</a> and the <a class="link" href="/go/world-of-hyatt-credit-card?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">World of Hyatt Credit Card</a> offer a <b>free night every year after your cardmember anniversary.</b> Plus, both of these cards have an annual fee of only $95! </p></div><div id="transferable-points" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:left;"><b>Transferable points</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">There are four main types of transferable points you can earn. These include </span><span style=""><a class="link" href="/pages/daily-drop-s-guide-to-chase-ultimate-rewards?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Chase Ultimate Rewards</a></span><span style="">, </span><span style=""><a class="link" href="/pages/daily-drop-s-guide-to-american-express-membership-rewards?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">American Express Membership Rewards®</a></span><span style="">, </span><span style=""><a class="link" href="/pages/daily-drop-s-guide-to-citi-thankyou-r-rewards?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Citi ThankYou® Rewards</a></span><span style="">, and </span><span style=""><a class="link" href="/pages/daily-drop-s-guide-to-capital-one-miles?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Capital One Miles</a></span><span style="">.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Chase Ultimate Rewards </b><span style="">- Earned by signing up for and spending money on certain </span><span style=""><a class="link" href="/credit-card-issuers/chase?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Chase credit cards</a></span><span style="">.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>American Express Membership Reward</b><span style=""> - Earned by signing up for and spending money on certain </span><span style=""><a class="link" href="/credit-card-issuers/american-express?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">American Express credit cards</a></span><span style="">. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Citi ThankYou Rewards</b><span style=""> - Earned by signing up for and spending money on certain </span><span style=""><a class="link" href="/credit-card-issuers/citi?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Citi credit cards</a></span><span style="">.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Capital One Miles </b>- Earned by signing up for and spending money on certain <a class="link" href="/credit-card-issuers/capital-one?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Capital One credit cards</a>. </p></div><div style="padding-bottom:12px;padding-left:26px;padding-right:26px;padding-top:12px;"><div style="background-color:#eaf0f5;padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px;border-radius:11px;border:0px solid #89a0d9;"><div style="left"><p style="color:#222222;font-size:15px;line-height:23px;margin:0;padding-bottom:12px;padding-top:12px;text-align:left;">💡 There is technically one other newcomer card called the <a class="link" href="/go/bilt-mastercard?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Bilt Mastercard®</a> that can also earns transferable points. It’s a more niche product, so if you’d like to learn more about Bilt Rewards, <a class="link" href="/pages/daily-drop-s-guide-to-bilt-rewards?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">read this guide</a>.</p></div><div style="padding-top:6;text-align:left;"><small style="color:#595959;font-size:12px;"></small></div></div></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Transferable points are super valuable because of their flexibility. Since transferable points can be transferred to the loyalty program that will earn you the maximum amount of value, </span><b>most people consider transferable points to be the most valuable points you can earn.</b></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">In order to redeem transferable points, you pretty much just add one extra step on top of the steps you take to redeem frequent flyer miles or hotel points. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">To redeem transferable points, you first have to transfer them to a hotel loyalty program or a frequent flyer program. Once the points transfer, you redeem them just like you would with any other hotel points or frequent flyer miles.  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Let’s dive into the details of all four of these programs, starting with my favorite! </span></p></div><div id="chase-ultimate-rewards-points" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Chase Ultimate Rewards Points</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">The great thing about Chase points is they can be transferred to all of their travel partners at a one-to-one ratio. This keeps transferring your points super simple. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Here are Chase’s current transfer partners:</span></p></div><div style="background-color:#b8cfe9;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><div style="padding:14px 22px 14px;"><table class="table-base" width="100%" style="table-layout:fixed; border-collapse:collapse;"><tbody><tr><th class="table-h" width="50%" valign="middle"><p style="text-align:left;"><span style="">Program Name</span></p></th><th class="table-h" width="50%" valign="middle"><p style="text-align:left;"><span style="">Transfer Ratio</span></p></th></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Aer Lingus AerClub</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Air Canada Aeroplan</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Air France-KLM Flying Blue</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">British Airways Executive Club</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Emirates Skywards</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Iberia Plus</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">JetBlue TrueBlue</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Singapore Airlines KrisFlyer</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Southwest Airlines Rapid Rewards</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">United Airlines MIleagePlus</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Virgin Atlantic Flying Club</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">IHG One Rewards</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Marriott Bonvoy</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">World of Hyatt</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr></tbody></table></div></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">In order to transfer your points, all you have to do is: </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Step 1:</b><span style=""> Login to your Ultimate Rewards account</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Step 2:</b><span style=""> Select Transfer Points to Travel Partners</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66883bbe12f0f31364f07bfd_47.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Step 3: </b><span style="">Choose a travel partner</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10171ab65851baebcb6c5_48.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Step 4:</b><span style=""> Enter the loyalty number of the account where you want to transfer</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Step 5:</b><span style=""> Choose how many points you want to transfer</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10172ab65851baebcb6f4_49.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;">  <b>Step 6:</b><span style=""> Confirm your transfer </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Once you’ve confirmed the transfer, the points will show up in the loyalty account. Most of the time the points transfer will happen almost immediately, but some can take up to two days. </span><span style=""><b>Once the points are in your loyalty account, they are stuck, and there’s no going back.</b></span><span style=""> So make sure you have a plan for the points before you transfer them.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"> After the points appear in your loyalty account, you’ll redeem them just like you would any other hotel points or frequent flyer miles. </p></div><div id="american-express-membership-rewards" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>American Express Membership Rewards</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Amex points work the same as Chase points except for a few key differences.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:left;"><span style=""><b>1. They have different transfer partners.  </b></span></p></div><div style="background-color:#e4efda;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><div style="padding:14px 22px 14px;"><table class="table-base" width="100%" style="table-layout:fixed; border-collapse:collapse;"><tbody><tr><th class="table-h" width="50%" valign="middle"><p style="text-align:left;"><span style="">Program Name</span></p></th><th class="table-h" width="50%" valign="middle"><p style="text-align:left;"><span style="">Transfer Ratio</span></p></th></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Aer Lingus AerClub</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Aeromexico Club Premier</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1.6</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Air Canada Aeroplan</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Air France/KLM Flying Blue</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">ANA Mileage Club</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Avianca LifeMiles</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">British Airways Executive Club</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Cathay Pacific Asia Miles</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Delta SkyMiles</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Emirates Skywards</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Etihad Airways Guest Program</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Hawaiian Airlines HawaiianMiles</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Iberia Plus</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">JetBlue True Blue </span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:0.8</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Qantas Frequent Flyer</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Singapore Airlines Kris Flyer</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Virgin Atlantic Flying Club</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Choice Privileges</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Hilton Honors</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:2</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Marriott Bonvoy</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr></tbody></table></div></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b> 2. </b><span style=""><b>The transfer ratio is different.</b></span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style=""> Unlike Ultimate Rewards, not all of your points will transfer at a one to ratio. The transfer ratio is listed on the profile of each transfer partner.</span></p></div><div id="citi-thank-you-points" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Citi ThankYou Points</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Citi ThankYou Points can be transferred to the following programs:</span></p></div><div style="background-color:#e6cdf6;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><div style="padding:14px 22px 14px;"><table class="table-base" width="100%" style="table-layout:fixed; border-collapse:collapse;"><tbody><tr><th class="table-h" width="50%" valign="middle"><p style="text-align:left;"><span style="">Program Name</span></p></th><th class="table-h" width="50%" valign="middle"><p style="text-align:left;"><span style="">Transfer Ratio</span></p></th></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Accor Live Limitless</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">2:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Aeromexico</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Air France-KLM Flying Blue</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Avianca LifeMiles</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Cathay Pacific Asia Miles</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Choice Privileges</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:2 (2:3 for cards that earn limited ThankYou Points)</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Emirates Skywards</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Etihad Guest</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">EVA Air Infinity MileageLands</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">JetBlue TrueBlue</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1 (5:4 for cards that earn limited ThankYou points)</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Qantas Frequent Flyer</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Qatar Airways Privilege Club</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Singapore Airlines KrisFlyer</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Thai Royal Orchid Plus</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Turkish Airlines Miles&Smiles</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Virgin Atlantic Flying Club</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Wyndham Rewards</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1 (5:4 for cards that earn limited ThankYou points)</span></p></td></tr></tbody></table></div></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">The drawback is that none of the airlines are major U.S. airlines. This makes it more challenging to redeem your miles because you need to learn how the foreign airlines’ frequent flyer programs work. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">With that said, there is a lot of value to be had when transferring Citi ThankYou points to international airline loyalty programs, as long as you’re willing to put in the effort to learn something new. </span></p></div><div style="padding-bottom:12px;padding-left:26px;padding-right:26px;padding-top:12px;"><div style="background-color:#eaf0f5;padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px;border-radius:11px;border:0px solid #89a0d9;"><div style="left"><p style="color:#222222;font-size:15px;line-height:23px;margin:0;padding-bottom:12px;padding-top:12px;text-align:left;">💡If you’re just getting started, I would focus my attention on earning Ultimate Reward points and Membership Reward points before moving on to earning Citi ThankYou points.  </p></div><div style="padding-top:6;text-align:left;"><small style="color:#595959;font-size:12px;"></small></div></div></div><div id="capital-one-miles" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Capital One Miles</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">In the past, Capital One did not offer the ability to transfer miles to other programs and didn’t have very exciting cards. However, in recent years they have really expanded their program to include new premium cards and amazing perks like the ability to cover travel purchases using your points directly toward your credit card statement. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Here is Capital One’s current transfer partners list:</span></p></div><div style="background-color:#ffafaf;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><div style="padding:14px 22px 14px;"><table class="table-base" width="100%" style="table-layout:fixed; border-collapse:collapse;"><tbody><tr><th class="table-h" width="50%" valign="middle"><p style="text-align:left;"><span style="">Program Name</span></p></th><th class="table-h" width="50%" valign="middle"><p style="text-align:left;"><span style="">Transfer Ratio</span></p></th></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Aeromexico Club Premier</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Air Canada Aeroplan</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Cathay Pacific Asia Miles</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Avianca LifeMiles</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">British Airways Executive Club</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Choice Privileges</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Emirates Skywards</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Etihad Guest</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Finnair Plus</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Qantas Frequent Flyer</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Singapore Airlines KrisFlyer</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">TAP Miles&Go</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Turkish Airlines Miles&Smiles</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Virgin Red</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr><tr><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">Wyndham Rewards</span></p></td><td class="table-c" width="50%" valign="top"><p style="text-align:left;"><span style="">1:1</span></p></td></tr></tbody></table></div></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">As we covered earlier in this guide, the fact that there aren’t many U.S. airlines on these charts doesn’t mean you can’t use your points to book travel on U.S. airlines. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">For example, you could transfer points to Air Canada or Avianca to book United flights, transfer points to British Airways to book flights on American Airlines, or transfer to KLM/Air France (which use the same points currency) to book Delta flights.</span></p></div><div style="padding-bottom:12px;padding-left:26px;padding-right:26px;padding-top:12px;"><div style="background-color:#eaf0f5;padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px;border-radius:11px;border:0px solid #89a0d9;"><div style="left"><p style="color:#222222;font-size:15px;line-height:23px;margin:0;padding-bottom:12px;padding-top:12px;text-align:left;">💡The newest program to offer transferable rewards is Bilt and is a much more niche program. I would recommend reading our guide to <a class="link" href="/pages/daily-drop-s-guide-to-bilt-rewards?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Bilt Rewards</a> to learn more about their program and its one current credit card.</p></div><div style="padding-top:6;text-align:left;"><small style="color:#595959;font-size:12px;"></small></div></div></div><div id="how-much-are-transferable-points-wo" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h3 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:20px;font-weight:normal;line-height:30px;margin:0;text-align:start;"><b>How much are transferable points worth?</b> </h3></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Transferable points are some of the most valuable points because they are very flexible. You have multiple different ways to redeem these points so you can make sure you’re getting the most value out of them.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">An example of transferable points are Ultimate Reward points earned by signing up for Chase credit cards such as the </span><span style=""><a class="link" href="/go/chase-sapphire-preferred-card?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Chase Sapphire Preferred® Card</a></span><span style="">. One Ultimate Reward transfer partner is United Airlines. You can transfer your Ultimate Reward points to United airlines at a 1:1 ratio. This means that these transferable points are just as valuable as United miles. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">In the example above, we determined that we could redeem our United miles for a flight from Los Angeles to Bangkok for a value of $.015 cents each. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">I could go into 10 more examples of transferring your points to different loyalty programs, but I think you get the point. </span><span style=""><b>The important thing to understand is that transferable points are just as valuable as the program you transfer them to. </b></span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Try this really simple exercise:</b></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66883bbe12f0f31364f07bf4_59.jpeg"><div style="margin:0 auto 0 auto;padding-left:0px;padding-right:0px;padding-top:4px;text-align:center;width:100%;"><small style="color:#222222;color:var(--wt-text-on-background-color) !important;font-size:12px;font-style:italic;text-decoration-color:#222222;text-decoration:none;"><p>Don’t just lie there! It’s time to start taking action!</p></small></div></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">At this point, you should have a clear understanding of how to redeem the major types of miles and points. If you’re still a bit confused, don’t worry, practice makes perfect. I highly recommend practicing finding award flights and award nights. Once you do a few of these searches on your own, you’ll gain a much clearer understanding of how it all works!  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">If you could travel to any city in the world, where would you go? Write it down. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Now, go to </span><span style=""><a class="link" href="https://www.united.com/en/us?_pos=1&_sid=43d31edf7&_ss=r&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">United.com</a></span><span style=""> and search for an award flight. See if you can find a lower-level award flight. Find it? Great! </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Now, go to </span><span style=""><a class="link" href="https://www.marriott.com/default.mi?_pos=1&_sid=43d31edf7&_ss=r&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Marriott.com</a></span><span style=""> and search for hotels in that city that are bookable with points. Did you find one? How many points does it cost per night? </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Write all of the information down, because in the next section, I’m going to teach you how to earn enough points to take your dream trip. </span></p></div><div id="signing-up-for-loyalty-programs" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:left;"><b>Signing up for loyalty programs</b> </h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Now it’s time for you to start taking action! The first step is signing up for loyalty programs. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">You have to be a member in order to earn points, and it’s completely free to sign up! So now I want you to stop reading this guide, and go sign up for the three most popular frequent flyer programs and the two most popular hotel loyalty programs. I’m making it as easy as possible for you. The links below will take you directly to the sign-up page of each program. </span></p></div><div style="padding-bottom:5px;padding-left:44px;padding-right:34px;padding-top:5px;"><ul style="color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;list-style-type:square;margin:0px 0px 0px 25px;"><li style="margin:10px 0px 0px 0px;"><p style="text-align:start;"><b><a class="link" href="https://www.united.com/ual/en/us/account/enroll/default?_pos=1&_sid=43d31edf7&_ss=r&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">United Airlines</a></b></p></li><li style="margin:10px 0px 0px 0px;"><p style="text-align:start;"><b><a class="link" href="https://www.aa.com/loyalty/enrollment/enroll?anchorLocation=DirectURL&title=enroll&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">American Airlines</a></b></p></li><li style="margin:10px 0px 0px 0px;"><p style="text-align:start;"><b><a class="link" href="https://www.delta.com/profile/enrolllanding.action?_pos=1&_sid=43d31edf7&_ss=r&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Delta Airlines</a></b></p></li><li style="margin:10px 0px 0px 0px;"><p style="text-align:start;"><b><a class="link" href="https://www.marriott.com/rewards/createAccount/createAccountPage1.mi?_pos=1&_sid=43d31edf7&_ss=r&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Marriott Rewards</a></b></p></li><li style="margin:10px 0px 0px 0px;"><p style="text-align:start;"><b><a class="link" href="https://secure3.hilton.com/en/hh/customer/join/joinHHonors.htm?_pos=1&_sid=43d31edf7&_ss=r&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Hilton Honors</a></b></p></li></ul></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Make sure to keep track of the email you use to sign up, your new membership number, and your password. Write these down, and keep them in a safe place!</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Now that you’re signed up for the programs, let’s start focusing on earning points!</span></p></div><div id="earning-miles-and-points" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:left;"><b>Earning miles and points</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">As we have already established, there are multiple ways to earn miles and points. The two ways we’ve focused on so far have been through traveling and credit cards, but you can also earn points through online shopping portals, dining programs, and you can even buy miles and points. In this section, I want to give you a quick overview of the three options we haven’t discussed yet.</span></p></div><div id="online-shopping-portals" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Online shopping portals</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Shopping portals are essentially online shopping malls. They have a list of different online stores, and they allow you to earn bonus points by starting at the shopping portal and clicking through to the online store to make your purchase.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">For example, United Airlines has a shopping portal called the United MileagePlus Shopping Portal.</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10172ab65851baebcb94b_60.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:left;"><span style="">If you were to click on the Macy's logo in the shopping portal, you'd earn an extra 3 United miles on every dollar you spent on Macy's website. So if you spent $100 at Macy’s, you’d earn 300 frequent flyer miles. These shopping portals are a great way to earn a few extra points when you’re shopping online. The bonus points you get for shopping at specific stores vary by shopping portal, so make sure to use the site </span><b><a class="link" href="http://evreward.com/?_pos=1&_sid=43d31edf7&_ss=r&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">evreward</a></b><span style=""> to find the shopping portal that’s offering the highest bonus.</span></p></div><div style="padding-bottom:12px;padding-left:26px;padding-right:26px;padding-top:12px;"><div style="background-color:#eaf0f5;padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px;border-radius:11px;border:0px solid #89a0d9;"><div style="left"><p style="color:#222222;font-size:15px;line-height:23px;margin:0;padding-bottom:12px;padding-top:12px;text-align:left;">💡 Nate from the future! We also LOVE Rakuten here at Daily Drop. In fact, it’s our favorite online shopping portal around. Use <a class="link" href="https://www.rakuten.com/r/AFFILI662?eeid=28187&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">this link to sign up and get started</a>.</p></div><div style="padding-top:6;text-align:left;"><small style="color:#595959;font-size:12px;"></small></div></div></div><div id="dining-programs" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Dining programs</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Most airlines offer dining programs. These are programs you can sign up for that will give you bonus miles when you dine at participating restaurants. All of these programs are run by the same company, so they operate the exact same way. We’ll use the MileagePlus dining program as an example.</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10172ab65851baebcb6ee_61.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">As an "online member" you'll </span><b>earn 3 points per $1 spent at participating restaurants</b><span style="">. All you have to do is become an online member and agree to receive emails from the dining program. If you were to dine at one of the participating restaurants and spend $50, you’d earn 150 United miles.  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Dining programs can be a great way to earn a few extra miles, but I’ve found the selection of participating restaurants to be very limiting. With that said, it’s still worth taking a few minutes to sign-up for the dining program offered by your favorite airline (you can only be a member of one at a time).</span></p></div><div style="padding-bottom:5px;padding-left:44px;padding-right:34px;padding-top:5px;"><ul style="color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;list-style-type:square;margin:0px 0px 0px 25px;"><li style="margin:10px 0px 0px 0px;"><p style="text-align:start;"><b><a class="link" href="https://dining.mileageplus.com/search.htm?q=Nashville%2C+TN&e=&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">United Dining Program</a></b></p></li><li style="margin:10px 0px 0px 0px;"><p style="text-align:start;"><b><a class="link" href="https://www.skymilesdining.com/?_pos=1&_sid=43d31edf7&_ss=r&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Delta Dining Program</a></b></p></li><li style="margin:10px 0px 0px 0px;"><p style="text-align:start;"><b><a class="link" href="https://www.aadvantagedining.com?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">American Airlines Dining Program</a></b><span style=""><a class="link" href="https://www.aadvantagedining.com?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;"> </a></span></p></li><li style="margin:10px 0px 0px 0px;"><p style="text-align:start;"><b><a class="link" href="https://www.rapidrewardsdining.com/login.htm?_pos=1&_sid=43d31edf7&_ss=r&utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-earning-and-redeeming-miles-and-points" target="_blank" rel="noopener noreferrer nofollow" style="-webkit-text-decoration:underline #06a77d;color:#06a77d;text-decoration:underline #06a77d;word-break:break-word;;">Southwest Dining Program</a></b><span style=""> </span></p></li></ul></div><div id="buying-points" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Buying points</b> </h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">My least favorite way of accruing miles and points is purchasing them. This is rarely ever a good deal because loyalty programs always charge a high price to purchase their points.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Take American Airlines, for example:</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66883bbe12f0f31364f07c08_62.png"><div style="margin:0 auto 0 auto;padding-left:0px;padding-right:0px;padding-top:4px;text-align:center;width:100%;"><small style="color:#222222;color:var(--wt-text-on-background-color) !important;font-size:12px;font-style:italic;text-decoration-color:#222222;text-decoration:none;"><p>*Accurate at time of writing.</p></small></div></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">You can purchase 142,500 points for $2,950. With the best current bonus being offered, you’re still paying $.02 cents per point.  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">[$2,950/142,500 = </span><b>$.02</b><span style="">] </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">In order to justify buying these points, you’d need to make sure you were getting more than .02 cents worth of value each when redeeming them. Usually, the only time it makes sense to buy points is if you have a specific business class flight that you plan on using the points to book. Since business class tickets are much more expensive than economy tickets, you’ll get more value out of your points when redeeming them for business class.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Here are a couple of other examples of when it makes sense to buy points:</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">A great example of when it makes sense to buy points is if you’re booking travel with cash, but buying points and booking the same travel with those points end up being cheaper. This might sound silly, but it’s more common than you may think (usually with hotels).</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Let’s look at an example that I recently used:</b></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">I recently booked a stay at a Hilton property in Kuala Lumpur. Because hotels are so cheap in Southeast Asia, it made sense to make a cash booking and save my points for something that offered better value.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">However, because Hilton was offering a 100% bonus on purchased points (something that happens at least a few times every year), it actually made sense to BUY points, make the same booking, and save money in the process.</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10174ab65851baebcbc6e_Hilton_arbitrage_graphics.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">As you can see in the screenshots above, the 5-night stay in Kuala Lumpur only costs 24,000 points. You can also see that buying 24,000 points from Hilton only costs $120, or $24 per night. Given the cash price of the room was nearly $60 per night, I saved over 50% by BUYING points from Hilton and booking the room I was about to pay twice as much for.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">The other reason you might want to buy points is if you need to top off your balance. Let’s say you’re trying to book a business class flight to Japan for 80,000 points, a flight that otherwise would’ve cost you thousands of dollars. If you only have 75,000 in your account, it would TOTALLY make sense to buy the 5,000 points to book your flight. If you need to spend $50 or $100 to get enough points to book a flight worth thousands of dollars, you’re still coming out way ahead.</span></p></div><div id="referral-bonuses" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Referral bonuses</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Banks love new customers. They love them so much that they’ll pay YOU if you can send some their way. A great way to earn points is through Referral Bonuses. Many of the big banks will give every customer a set of unique referral links which they can send to friends, family, colleagues or strangers (don’t send them to strangers, please). When someone uses your link to sign up for a card, the bank will give you a bonus, typically in the form of points. </span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66883bbe12f0f31364f07c0e_65.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Referral bonuses range from 5,000 points per successful referral to 20,000 or even higher. It depends on which card you’re referring someone to and whether or not the bank has any referral promotions going on. </span></p></div><div id="retention-offers" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Retention offers</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">As I said, banks love customers. They also hate losing customers, which is why they’ll incentivize them to stay in the form of, you guessed it, more free points. Let’s walk through what this looks like:  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">You open a new card, get amazing value out of it in the first year because of the excellent welcome bonus, but when the annual fee hits for year two, you realize that the card doesn’t provide much value without that bonus. So you decide you want to cancel it. You call the bank, explain that you’re not getting value from the card and you want to close it. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">As long as you’re in good standing with the bank and you’ve been putting regular spending on the card, there’s a good chance that before canceling your card, the bank will offer you something in exchange for keeping it open for another year. This could be points, statement credits, annual fee waivers, or other things. It differs for every customer and every card, so there’s no formula to determine exactly what to expect. </span><b>There’s also no guarantee that you will get a retention offer at all.</b></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">I’ll give you an example: Let’s say there are two customers with American Express. One of them has 10 cards open (yes, that’s a thing), pays their bills every month, keeps a low credit utilization, and puts a ton of spending on each card. The other person has one card open. They also pay their bill, keep a good utilization, but don’t put a ton of spending on their card - just a few hundred dollars a month. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><b>Who do you think is more likely to get a retention offer? </b><span style=""> </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">If you said person one, you’d be wrong. Why? The bank doesn’t need to incentivize them to stay because they’re confident that the customer will stay anyway. After all, they have TEN cards. It’s highly unlikely they’ll be leaving anytime soon. Plus, they put so much spending on the other cards that even without the card in question, they are an extremely profitable customer. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Person number two, on the other hand, is much more likely to get a nice retention offer. If they follow through with closing their one card, the bank loses them as a customer and may not get them back. Therefore, the bank wants to do everything they can to retain them. </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">It’s important to know that you shouldn’t close any credit card or attempt to get a retention offer until you’ve held the card for at least one full year.</span></p></div><div id="promotions" style="padding-bottom:4px;padding-left:22px;padding-right:22px;padding-top:16px;"><h2 style="color:#073e50;color:var(--wt-text-on-background-color) !important;font-size:24px;font-weight:normal;line-height:36px;margin:0;text-align:start;"><b>Promotions</b></h2></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">When you join the loyalty programs I suggested above, you’ll occasionally get emails with opportunities to earn a few hundred or a few thousand miles here and there. Airlines, hotels, and credit card companies are constantly running different promotions. For example, below is an email I recently received from United Airlines to earn an extra 2,250 miles when I book a rental car with Hertz.</span></p></div><div style="padding-bottom:20px;padding-left:22px;padding-right:22px;padding-top:20px;"><img alt="" style="margin:0 auto 0 auto;width:100%;" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10174ab65851baebcbc71_66.png"></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">It’s worth taking a look at these when they enter your inbox, but most of the time the points you earn won’t be worth the time you invest. Sticking with this example, I’m not going to go out and book a rental car. I don't need just to earn 2,250 points, but if I needed to book a rental car anyway, this could be a good promotion to take advantage of.</span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Another example is taking surveys. Several different loyalty programs allow you to earn points by taking surveys. In most cases, it’s not going to be worth going through the trouble to fill out these surveys for a few hundred points.  </span></p></div><div style="padding-bottom:12px;padding-left:22px;padding-right:22px;padding-top:12px;"><p style="color:#000000;color:var(--wt-text-on-background-color) !important;font-size:16px;line-height:24px;text-align:start;"><span style="">Just because you CAN earn a few extra points, doesn’t mean you always SHOULD. I’ll explain more of my points-earning philosophy in the next installment.</span></p></div><div style="padding-bottom:15px;padding-left:22px;padding-right:22px;padding-top:15px;text-align:center;width:100%;word-break:break-word;"><a href="/pages/miles-points-101-nate-s-points-earning-philosophy?utm_source=daily-drop-articles.beehiiv.com&utm_medium=referral&utm_campaign=miles-points-101-how-travel-hacking-affects-your-credit-score"><button style="background-color:#073e50;border-radius:8px;border:solid 1px #073e50;color:#FFFFFF;cursor:pointer;font-size:18px;line-height:52px;padding:0px 22px;width:fit-content;" type="button"> Continue to Part 4 ➡️ </button></a></div></div></div></div></div></div><div class="w-condition-invisible"><div class="w-dyn-list"><div class="w-dyn-empty"></div></div></div></div></div><div class="post-right inner-sticky"><img alt="" loading="eager" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10d28706d4a66d17de4d8_-OK95pitX6ChuEAampRO.webp" class="article-feature-image eager"/><div id="sidebar-newsletter-cta" class="paper-box _20-below"><div class="sidebar-ticker"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div class="ticker-container"><div class="ticker-number sidebar">1</div><div class="ticker-number sidebar no-gradient"></div><div class="ticker-number sidebar">4</div><div class="ticker-number sidebar">6</div><div class="ticker-number sidebar">5</div><div class="ticker-number sidebar no-gradient"></div><div class="ticker-number sidebar">7</div><div class="ticker-number sidebar">4</div><div class="ticker-number sidebar">9</div></div></div></div></div></div><div class="block"><div class="faux-h3">Join a community of 1 million like-minded travelers!</div></div><div attr_id_suffix="" class="newsletter-form-wrapper w-form"><form id="wf-form-Email-Signup-Form" name="wf-form-Email-Signup-Form" data-name="Email Signup Form" redirect="/founders-letter" data-redirect="/founders-letter" method="post" class="newsletter-form blue-outline" data-wf-page-id="64ee96044bb9724aacfa6ca8" data-wf-element-id="03bd3a5b-6818-486c-aa35-c7cc83e1dffb" data-turnstile-sitekey="0x4AAAAAAAQTptj2So4dx43e"><input class="newsletter-input w-input" maxlength="256" name="email" data-name="email" placeholder="Enter your email" type="email" id="email" required=""/><input type="submit" data-wait="Subscribing..." class="button w-button" value="Subscribe"/></form><div class="email-success w-form-done"><div>Check your inbox to confirm your subscription!</div></div><div class="w-form-fail"><div>Oops! Something went wrong with your subscription. Please try again</div></div></div></div><div class="credits"><div class="vertical-stacker"><div id="current-location">Written By:</div><div class="authors"><div class="w-dyn-list"><div role="list" class="horizontal-stacker w-dyn-items"><div role="listitem" class="w-dyn-item"><a href="/daily-drop-team/nate-buchanan" class="author w-inline-block"><div style="background-image:url("https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/662279cc84469d6d3ef344bd_6536bec80e4526f0869db626_c17b06d0-4f9a-45a8-87f5-2dcef8c510be.webp")" class="author-avatar"></div><div>Nate Buchanan</div></a></div></div></div></div></div><div class="vertical-stacker w-condition-invisible"><div id="current-location">Edited By:</div><a href="#" class="author w-inline-block"><div style="background-image:none" class="author-avatar"></div><div class="w-dyn-bind-empty"></div></a></div></div><div class="paper-box"><div class="faux-h3">Post Itinerary</div><div id="toc" class="toc"></div></div><div class="w-condition-invisible"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div class="sidebar-cta"><div class="sidebar-cta-upper"><a href="/credit-cards/capital-one-venture-rewards-credit-card" target="_blank" class="w-inline-block"><img alt="" loading="lazy" id="w-node-a13d39ee-3188-72dd-4d1d-80aeb181c376-acfa6ca8" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66e079973294d10fef806e84_venture_cardart_prim_323x203-1.avif" class="card sidebar"/></a><div id="w-node-a13d39ee-3188-72dd-4d1d-80aeb181c377-acfa6ca8" class="vertical-stacker centred w-condition-invisible"><div class="bonus-points">75,000</div><div class="bonus-points-minor">Bonus Miles</div></div><div id="w-node-f215255d-5f5e-fe65-82d9-d9f9db2b6c60-acfa6ca8" class="vertical-stacker centred"><div class="bonus-points-minor">$250 credit + 75k Bonus Miles</div></div></div><div class="vertical-stacker"><a href="/go/capital-one-venture-rewards-credit-card" target="_blank" class="w-inline-block"><h3 class="heading-8">Capital One Venture Rewards Credit Card</h3></a><div><div class="_20-below">The Capital One Venture Rewards credit card makes travel rewarding and easy. Earn miles on every purchase, which you can redeem for various travel expenses like flights, hotels, and car rentals. Plus, with no foreign transaction fees, it’s an ideal choice for international travel. If you’re looking to maximize rewards without crazy fees, this card would be a great addition to your wallet. This one continues to be a Daily Drop favorite. </div></div><a href="/credit-cards/capital-one-venture-rewards-credit-card" target="_blank" class="button yellow w-button">Learn More</a><a href="/go/capital-one-venture-rewards-credit-card" target="_blank" class="link-3 w-dyn-bind-empty"></a></div></div></div></div></div></div><div id="sidebar-lounge-cta" class="paper-box lounge"><div class="faux-h3">Discuss this article with likeminded travelers in the Daily Drop Lounge</div><a href="https://www.facebook.com/groups/dailydroplounge" target="_blank" class="button yellow w-button">Enter the Lounge</a></div><div class="sticky-card"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div x-card-issuer="Capital One" class="sidebar-cta"><div class="sidebar-cta-upper"><a href="/credit-cards/capital-one-venture-x-rewards-credit-card" target="_blank" class="w-inline-block"><img alt="" loading="lazy" id="w-node-_3367628f-6101-6726-2bf2-91a6ed1e9591-acfa6ca8" src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66227a8ab03e00553a8f05ed_651d87fbc96bc896d824c187_Screen%252520Shot%2525202023-10-04%252520at%25252011.42.39%252520AM.webp" sizes="(max-width: 991px) 100vw, 15vw" srcset="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66227a8ab03e00553a8f05ed_651d87fbc96bc896d824c187_Screen%252520Shot%2525202023-10-04%252520at%25252011.42.39%252520AM-p-500.webp 500w, https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/66227a8ab03e00553a8f05ed_651d87fbc96bc896d824c187_Screen%252520Shot%2525202023-10-04%252520at%25252011.42.39%252520AM.webp 728w" class="card sidebar"/></a><div id="w-node-_3367628f-6101-6726-2bf2-91a6ed1e9592-acfa6ca8" class="vertical-stacker centred"><div class="bonus-points-minor green centered w-condition-invisible w-dyn-bind-empty"></div><div class="bonus-points">75,000</div><div class="bonus-points-minor">Bonus Miles</div></div><div id="w-node-bbbac435-8e58-421c-0fda-7ab66f9b3b12-acfa6ca8" class="vertical-stacker centred w-condition-invisible"><div class="bonus-points-minor w-dyn-bind-empty"></div></div></div><div class="vertical-stacker"><a href="/go/capital-one-venture-x-rewards-credit-card" target="_blank" class="w-inline-block"><h3 class="heading-8">Capital One Venture X Rewards Credit Card</h3></a><div><div class="_20-below">The Venture X (one of our favorites!) is a premium travel rewards card that offers generous earning rates on travel and dining purchases, along with a wide range of travel perks and benefits. Cardholders can enjoy flexible redemption options for their rewards, making it a popular choice for frequent travelers.</div></div><a href="/credit-cards/capital-one-venture-x-rewards-credit-card" target="_blank" class="button yellow w-button">Learn More</a><a href="/credit-cards/capital-one-venture-x-rewards-credit-card" target="_blank" class="link-3 w-condition-invisible w-dyn-bind-empty"></a></div></div></div></div></div></div></div></div></section><section class="section white-background sticky"><div data-w-id="a5172569-c593-6065-0089-f78fe3bf18b5" class="container content-special"><div class="post-left"><div class="midroll-cta w-condition-invisible"><div id="w-node-a5172569-c593-6065-0089-f78fe3bf18d2-acfa6ca8" class="vertical-stacker"><h3 class="w-dyn-bind-empty"></h3><div class="_20-below w-dyn-bind-empty"></div><a href="#" class="link-3 left-align">👉 Click to Learn More</a></div><div id="w-node-a5172569-c593-6065-0089-f78fe3bf18d7-acfa6ca8" class="vertical-stacker centred"><img 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href="/pages/how-to-book-all-inclusive-hotels-with-points" class="hack-card w-inline-block"><div style="background-image:url("https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c115e19d71026d37377ad7_-OK9ELwHGOQnU9mCV_Lw.webp")" class="dreamliner-window v2"><img src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c115e19d71026d37377ad7_-OK9ELwHGOQnU9mCV_Lw.webp" loading="lazy" alt="" class="bg-cover"/></div><div class="vertical-stacker"><h3 class="small-h3">How to Book All-Inclusive Hotels with Points</h3><div class="desktop-only w-dyn-bind-empty"></div></div></a></div></div></div></div><div class="vertical-stacker"><div class="horizontal-stacker _30-below"><h2 class="_0-margin">Additional Resources</h2><a href="/pages-old" class="view-all-link">VIEW ALL</a></div><div class="full-width w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><a href="/pages/miles-points-101-getting-started" class="hack-card w-inline-block"><div style="background-image:url("https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10e54365f8b31597cc4c7_-OK96yuMP6W9EPqJ0Mhm.webp")" class="dreamliner-window v2"><img src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10e54365f8b31597cc4c7_-OK96yuMP6W9EPqJ0Mhm.webp" loading="lazy" alt="" class="bg-cover"/></div><div class="vertical-stacker"><h3 class="small-h3">Miles & Points 101: Getting Started</h3><div class="desktop-only w-dyn-bind-empty"></div></div></a></div><div role="listitem" class="w-dyn-item"><a href="/pages/miles-points-101-how-credit-cards-affect-your-credit-score" class="hack-card w-inline-block"><div style="background-image:url("https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10e61ed9b4c7b9c818363_-OK9718q45ax3gWBUCIL.webp")" class="dreamliner-window v2"><img src="https://cdn.prod.website-files.com/64ee95ef77ace14bdf5a049f/67c10e61ed9b4c7b9c818363_-OK9718q45ax3gWBUCIL.webp" loading="lazy" alt="" class="bg-cover"/></div><div 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