How to Use Credit Card Points for Flights
Stop letting your credit card points sit unused. This guide shows you exactly how to turn Chase, Amex, Citi, Capital One, and Bilt points into flights worth 2-6x their cash value.
4 Steps to Book Award Flights
Know your points balance
Log into your credit card account and check your rewards balance. Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou Points, Capital One Miles, Bilt Rewards, and Wells Fargo Rewards can all be transferred to airline partners.
Search for award availability
Use Pointify to search for award flights. We check 25+ airline loyalty programs simultaneously and show you the best redemption options with cents-per-point values so you know which transfer gives you the most value.
Compare cash vs. points
For every flight, we show both the cash price and points options side by side. If the cash price is $500 and you can book with 25,000 points, that is a 2.0 cents-per-point redemption — excellent value. Anything above 1.5 CPP is generally worth transferring.
Transfer to the airline
Once you find a good redemption, transfer your credit card points to the airline loyalty program. Transfers are usually instant for most programs. Then book directly on the airline website using your transferred miles.
Best Sweet Spots
These redemptions consistently deliver the best cents-per-point value:
Category 1-4 hotels for 5,000-15,000 points/night
CPP
US domestic economy for 5,000-12,500 miles
CPP
Business class to Japan for 75,000-88,000 miles r/t
CPP
ANA first class for 110,000 miles r/t
CPP
Business class to Europe for 45,000 miles one-way
CPP
Business class to Asia for 75,000 miles one-way
CPP
Transfer rent payments to hotel stays 1:1
CPP
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