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Pun intended. Are you ready? If you remember nothing else from our talk, remember this: Pay your credit card bills on time and in full every single month. This rule is so important it took the top spot on our list of 10 commandments for travel rewards credit cards. Simply put, points and miles are a type of currency. You earn them every time you take a trip or make a purchase on a rewards credit card, and can later use them for free travel. Once you get to the advanced level, you can use more complicated strategies to get even more out of your points and miles.
For example, many credit card programs allow you to transfer your points to partners and then redeem them for award flights or hotel stays. A central strategy here is also understanding that points and miles currencies are all worth a certain amount of money since you can use them in exchange for travel. Related: How and why to calculate award redemption values. The whole fun in the points and miles game is to never pay more for a flight in points or miles than you would if you just paid for it in cash with your credit card, of course.
For example, our current valuations put United MileagePlus miles at 1. Related: How to decide whether to use cash or miles for airline tickets. JetBlue and Southwest Airlines, for example, have programs that use points rather than miles. Conversely, Capital One uses miles as its currency, despite being a credit card issuer where points could really be a more straightforward term.
There are, of course, many more, but these are some of the most popular, U. Still with me? The whole fun of having a credit card to earn points and miles is that the money you spend normally on everyday expenses has added value as it gets you closer to your next trip.
The key here is to choose a rewards card based on your travel needs and spending habits. Do you mostly travel to Europe or Asia? We recommend you set a travel goal — such as spending a week in Paris , taking the family to Disney World or vacationing in Hawaii — and then start looking at credit cards that can help you earn the points needed to make that happen.
Getting a card with the aforementioned transferable points is a great place to begin, since you can then transfer these points to airlines and hotels, or book through a portal.
Chase is a very popular credit card issuer and offers several great cards, especially for beginners. While some of its cards only offer cash back, others like both Sapphire cards are points-earning cards that allow you to transfer points to hotel and airline partners.
To get a Chase card — no matter what type of card it is — you cannot have opened five or more personal credit cards across all banks in the last 24 months. Read more: Maximize your wallet with the perfect quartet of Chase cards. American Express has a lot of solid cards to choose from, as well as a great rewards program and transfer partners, such as Delta, JetBlue and Marriott.
Keep in mind that Amex does impose a once-per-lifetime restriction on credit card welcome bonuses. The card details on this page have not been reviewed or provided by the card issuer. Read more: Choosing the best American Express credit card for you. Capital One has been gaining popularity ever since it added the ability to transfer miles earned on the Spark and Venture card families to airline partners. Just remember, the issuer has a two-card limit when it comes to personal credit cards.
Read more: Best Capital One credit cards. Over the last couple of years, Citi has adjusted its credit card portfolio in an attempt to stay competitive with Chase and American Express , though it has some card application restrictions that can impact your eligibility for one of these cards.
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