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25 Great Ways to Maximize Travel Reward Points

Tips to help you manage hotel, airline and credit card award systems

luggage with a bunch of numbers coming out of it
Sam Island

Travel rewards earned from hotel stays, flights and flexible credit card purchases are the not-so-secret obsession of many frequent travelers. The rewards allow travelers to cover the cost of their trips or elevate their vacation experiences. Ten percent of respondents 50-plus in AARP’s most recent Travel Trends Report plan to spend less on travel, with 13 percent of those planning to use loyalty points or miles. 

There are dozens of ways to earn and redeem points and miles to help you travel often while spending as little cash as possible. There’s indeed a lot to know. 

“Think of [redeeming points and miles] like comparison shopping before you buy anything else,” says Ryan Smith, news managing editor at Upgraded Points. “The more options you have, the more time you might spend checking them, but that also creates more opportunities to score a good deal.”

Whether you’re new to travel rewards programs or consider yourself an expert, here are 25 great ways to maximize how you earn points and miles — and spend them — for bucket-list trips.

1. Maximize your mileage earnings with the right airline credit card

The absolute easiest way to earn airline miles is by using a co-branded airline credit card for purchases. Cards like the Alaska Airlines Visa Signature Card from Bank of America occasionally offer welcome bonuses starting at 70,000 miles when you meet a minimum spend requirement and pay the annual fee. That could cover two round-trip economy tickets to Hawai‘i or one round-trip ticket to Europe on an Alaska Airlines partner airline. Other co-branded airline credit cards to consider are the United Club Infinite card from United Airlines or the Citi/AAdvantage Platinum Select World Elite Mastercard from American Airlines.

2. Transfer flexible travel rewards

Credit cards that earn flexible rewards, such as the Chase Sapphire Reserve Card, the Platinum Card from American Express or the Capital One Venture X, offer a lot of rewards for your everyday spending that you can then transfer to partners like World of Hyatt, Delta Air Lines and others to redeem for free travel.

3. Take advantage of airline alliances

U.S. carriers American Airlines, Delta and United Airlines are members of global airline alliances Oneworld, SkyTeam and Star Alliance, respectively. In addition to having access to their member airlines’ routes and schedules, travelers also can redeem partner flights with miles from a different airline. So if you have United Airlines MileagePlus miles, for example, you can search for Singapore Airlines award availability and redeem MileagePlus miles for an available flight on Singapore Airlines. (This works in the opposite direction as well.) You also can earn preferred miles when flying on what’s called codeshare flights on airlines belonging to the same alliance. It’s a great way to fly some of the world’s best premium cabins without being tied to a specific airline’s loyalty program.

4. Don’t forget about status perks

Airline and hotel loyalty programs grant status perks when you earn a certain number of points or miles. At hotels, some perks include late checkout, a welcome gift upon arrival or free breakfast. Airline status perks include complimentary upgrades, checked bags, lounge access and priority boarding. You can earn some of these perks with credit cards such as the Marriott Bonvoy Brilliant American Express Card, IHG One Rewards Premier Credit Card or the Hilton Honors American Express Aspire Card.

dining out
Earn rewards when you dine out or order takeout by using your credit card at participating restaurants.
Sam Island

5. Earn rewards when you visit restaurants

Dining programs are an easy way to earn miles whenever you dine in or order takeout. Simply sign up for a particular program, add your credit or debit card to your account, and earn miles whenever you use the card at participating restaurants. However, only one credit card can be tied to a dining program at a time. For example, you cannot earn miles with AAdvantage Dining from American Airlines and earn miles with the same credit card for SkyMiles Dining from Delta Air Lines.

6. Double dip — credit cards/dining programs/etc.

Earn two and three times the points when you double dip, which will help you reach your bucket-list destination even faster. When shopping through an online shopping portal like AAdvantage Shopping, MileagePlus Shopping or Delta SkyMiles Shopping, use a co-branded credit card for your purchase and essentially double your rewards. For example, online cash-back company Rakuten lets you earn American Express Membership Rewards instead of cash back. In this case, you could triple dip and receive bonus points when shopping through Rakuten at an online store where you also have Amex Offers. You’ll collect your regular earn rate with your Amex card, the bonus Membership Rewards points through Rakuten, and the bonus points through your Amex Offer. Add a credit card that earns bonus points or miles on dining to your chosen dining program and earn additional points as well.

7. Redeem hotel points for luxury stays

Luxury hotel properties such as St. Regis, Ritz-Carlton, Waldorf Astoria and Park Hyatt all belong to large hotel brands, so you can redeem hotel points for free stays. At Marriott Bonvoy properties, you may still be required to pay cash for applicable resort fees, but they would be negligible compared to paying cash for the nightly rate.

8. Redeem credit card points through travel portals

You can redeem transferable credit card rewards through their own travel portals. For instance, you can redeem Capital One Miles at a rate of one cent per mile through the Capital One Travel portal by Hopper (although you can nearly double that value depending on the transfer partner). If you’re not redeeming points earned with the Capital One Venture X, for example, you can earn bonus points when you purchase travel through these portals, up to 10 times per dollar when booking hotels through the Capital One Travel portal. Other transferable credit card rewards currencies such as Chase Ultimate Rewards, American Express Membership Rewards and Citi ThankYou Rewards can also be redeemed through their respective travel portals.

9. Earn points through partner programs 

Airlines, hotels and transferrable travel rewards programs often offer bonus points when you spend money at partner brands. For example, you can earn bonus Ultimate Rewards when you use your Chase Sapphire Reserve card for a Lyft ride. Additionally, you can earn Marriott Bonvoy points on qualifying Uber Eats orders and Uber rides.

shop online
Earn reward points by shopping an airline’s ecommerce portal.
Sam Island

10. Earn rewards when you shop online

You also can earn airline miles when you shop online through an airline’s ecommerce portal. After creating an account and logging in, search for your preferred store and see how many bonus miles you can earn per dollar spent. If you’re flexible about where you shop, filter by the highest earn rate to see which stores offer the most miles.

11. Earn status faster through credit card spending

In addition to racking up points and miles through credit card spending, you also can earn elite status by using select credit cards. American Airlines AAdvantage and JetBlue Mosaic statuses are available if you spend a certain amount with that specific airline or use its co-branded credit card. 

12. Fly in premium cabins for a fraction of the cost

Flying in first or business class is a dream for many travelers, but it can be pricey. However, if you maximize your travel rewards points for airline tickets by earning miles through your credit card, transferring from a flexible travel rewards card or taking advantage of airline alliances, you can book premium cabins for just the cost of taxes and fees.

13. Redeem points to pay for other travel expenses

The Capital One Venture X and Capital One Venture cards allow you to redeem your earned miles to cover travel purchases you make with the cards. This is a game-changer for saving on things such as train tickets, certain travel agencies, tour operators and more that you can’t normally pay for with travel rewards. Purchases must code as travel to be eligible for this perk.

This may be the simplest way to maximize your travel rewards. Benét J. Wilson, lead writer for credit cards at Bankrate, says it’s one of her favorite Capital One perks. “It’s the perfect card family for those who want to earn miles without having to remember myriad spending categories,” she says.

14. Get travel insurance through the right credit card

Many travel rewards cards come with travel insurance to cover things like trip cancellations or delays, rental car damage, and lost or delayed luggage. While this perk is not directly related to maximizing your travel rewards, it is common among rewards-earning credit cards, and it might allow you to forgo paying cash for some types of travel insurance. 

lounge access
Enjoy lounge access when you redeem airline points to fly in a premium cabin, and more.
Sam Island

15. Enjoy lounge access through a credit card or flying a premium cabin

Say goodbye to crowded gates and hello to complimentary food and beverage, outlets to charge your devices and a peaceful wait for your flight. Enjoy lounge access when you redeem airline points to fly in a premium cabin, when you’ve earned airline elite status, or when you have access through a premium airline credit card such as the United Club Infinite Card, the Citi/AAdvantage Executive World Elite Mastercard or the Delta SkyMiles Reserve American Express Card. Note: Annual fees can exceed $500.

16. Redeem free nights with hotel certificates

Some hotel elite statuses and hotel credit cards come with free-night certificates and nightly upgrade certificates. At Marriott Bonvoy properties, you can add points onto the value of a certificate and use it for a higher-priced room. 

17. Take advantage of transfer bonuses

Occasionally, credit cards offer bonuses when you transfer their rewards to select travel partners. Airlines like Air France-KLM and Virgin Atlantic Airlines often have great transfer bonuses from Chase or American Express.

18. Redeem travel rewards for gift cards

You can also redeem rewards for gift cards to use at your favorite retailer. This can be done through any loyalty program’s shopping portal.

19. Share travel rewards with friends and family

When you have an authorized user on your travel-rewards-earning credit card, you can transfer points to their loyalty account just as easily as you can transfer them to your own. It’s a great way to use points within your family, even if the points are earned in only one person’s account.

redeem points for entertainment
Redeem travel rewards points from just about any loyalty program for concerts, sports events and culinary experiences.
Sam Island

20. Redeem points for entertainment

You can redeem travel rewards points from just about any loyalty program for entertainment, including concerts, sports events and culinary experiences. Popular programs such as Capital One Entertainment, Citi Entertainment and Marriott Bonvoy Moments all grant access to exclusive events that are sometimes only available to cardholders or loyalty members.

21. Combine rewards for family pooling

Some rewards programs, such as Frontier Airlines, United Airlines and JetBlue, allow multiple people to pool miles together in a larger pot. One person acts as the head of the “family” and invites other members to join. (Family and friends alike can enter a pool together.) Together, the group’s earned points go into one account whenever they fly. The pool leader can then authorize other members of the pool to redeem the “family’s” miles.

22. Save on reward redemptions for children

Loyalty programs such as Air France-KLM Flying Blue offer 25 percent off when redeeming miles for children 2 to 11 years old. Flying with a lap infant on a multigenerational trip? Some airlines require 10 percent of the cash fare for lap infants, but you can also pay for that with miles.

23. Upgrade to a premium airline cabin

Depending on your ticket class, you may be able to upgrade cabins using airline miles. Rules for award upgrades vary from airline to airline, but the three major U.S. airlines generally don’t allow you to upgrade an award ticket with miles. Your eligibility to upgrade a cash ticket with miles also depends on the route and the seat availability in the next cabin. When there is availability, redeeming miles to upgrade is another great way to elevate your travel experience with travel rewards.

24. Earn bonus points for hotel stays

Travelers with even the lowest-tier elite status can earn bonus points on their hotel stays. For example, you can earn about 14 points per dollar spent with the Hilton Honors American Express Aspire Card when you use it to pay for a room and any expenses at a Hilton hotel. At World of Hyatt properties, you can earn up to nine points per dollar with the World of Hyatt Credit Card, and you’ll get six points per dollar at Marriott Bonvoy properties with the Marriott Bonvoy Brilliant American Express Card. 

25. Shop with Points

Amex Membership Rewards, Citi ThankYou Rewards and others allow cardholders to use Shop with Points at popular retailers such as Amazon, Best Buy and TJ Maxx. You can also redeem Chase Ultimate Rewards when paying through PayPal at participating stores. 

   

   

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