Should You Use a Credit Card Travel Portal?
Some credit cards come with travel portals, where you can redeem points and miles for trips. Is it the best option?

Sean Jackson
Credit card companies offer you perks for traveling using their resources. For some, this involves the use of portals.
How they work: Instead of booking your travel directly through an airline, hotel or third-party, you log into your credit card account and use their portal to book your trip. If you have points, cash back or miles saved, you can use these to offset some or all the costs.
While this method is convenient, is it the best option to consider? We'll cover how the portal programs work, how much you can earn when booking travel with specific card providers and factors to consider before using portals.

Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Credit card travel portals overview
Earning points and miles using a rewards credit card is as simple as a swipe. But your credit card company wants to play travel agent, too.
American Express, Bank of America, Capital One and Chase, for example, all have travel portals where cardholders can book flights, hotels, rental cars and more using either their credit card or the points and miles they've earned.
The issuers provide incentives to pack your bags.
Kiplinger Best Travel Cards
Our top picks, powered by Bankrate, offer you generous miles, points or cash back for travel purchases. Advertising disclosure. View Offers
Several cards offer annual travel credits for bookings made through the card's travel portal. Capital One Venture X Rewards cardholders, for example, receive a $300 annual travel credit to use on the Capital One Travel portal.
Using these portals is similar to booking hotel rooms and flights on travel websites such as Expedia, Kayak or any other third-party booking site. But there are some caveats to consider.
American Express travel portal
If you have an American Express credit card that earns Membership Rewards (MR) points, you'll be able to access the Amex travel portal. MR points are worth 1 cent each for flights in the travel portal but are 2 cents apiece when you maximize Amex's transfer partners, according to The Points Guy (TPG), a consumer travel website.
Capital One travel portal
NerdWallet ranked the Capital One travel portal as the most user-friendly, compared to Citi, Chase and American Express.
The company points out one notable feature: The flight calendar, powered by Hopper, which shows the cheapest days to travel. TPG values Capital One points at 1.85 cents.
Chase Ultimate Rewards portal
You can access the Chase travel portal if you own a card that earns Chase Ultimate Rewards. Points are valued at 2.05 cents, higher than most other travel portals.
Citi Travel portal
If you own a Citi card that earns ThankYou points, you'll be able to access the Citi Travel portal, where you can rent flights, hotels, rental cars and attractions.
As with other travel portals, several Citi cards earn bonus points on bookings made through the portal.
The biggest downfall, however, is that flights aren't included in these bonuses. Citi ThankYou rewards are valued at 1.8 cents.
What to consider when using a credit card travel portal
Most credit cards require you to book on their travel portal to earn maximum rewards.
For example, holders of the Chase Sapphire Preferred card can earn up to 5-times points per $1 spent on travel purchases made using the Chase Ultimate Rewards portal.
Meanwhile, if you booked directly with the airline or hotel, you’d earn only two points on travel.
Similarly, if you have the Chase Sapphire Reserve card and book travel through the card's portal, you'll earn 10-times points on hotels and car rentals — much better than the 3-times points you'd earn if you booked travel directly.
Additionally, points can be worth more when redeemed through a travel portal. If you have a Sapphire Reserve card, for example, points are worth 1.5 cents per point when used to book travel on the Chase Ultimate Rewards portal, instead of 1 cent per point.
While most portals are easy to use, if you don't want to deal with the additional step, try opening a cash-back card that earns 2% on all purchases.
Flight changes/cancellations
Another concern among travelers is that if anything goes wrong during your trip — let’s say your airline cancels your flight or the hotel loses your confirmation — you would have to call your credit card company for help instead of dealing directly with the airline, hotel or rental car company.
If you need to change your flight plans and you redeemed points or miles for a flight, there’s no guarantee you’ll have those points or miles reissued; you’ll more than likely receive a voucher for future travel.
However, if the airline cancels on you, you’re entitled to a refund to whatever account you used for payment, whether you booked with a credit card or with rewards.
Loyalty programs
Booking via the card portal means you might lose some privileges associated with your hotel or rental car loyalty programs. You might also lose your upgrade privileges. (With airline loyalty programs, you can input your loyalty number when you book via a third party.)
Prices
Though there’s no pattern, the price of tickets on travel portals might be higher than what’s offered on the website of the airline or hotel, Nick Ewen, travel rewards expert at The Points Guy, told Kiplinger.
He mentioned as an example a flight he booked for $300 directly through a major airline's site, after seeing the same flight listed for $329 on a credit card travel portal.
To avoid this — along with any other hiccups associated with third-party bookings — look into transferring your points to your credit card’s loyalty partner program or booking directly with the travel provider, Ewen said.
Related Content
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.

Rivan joined Kiplinger on Leap Day 2016 as a reporter for Kiplinger's Personal Finance magazine. A Michigan native, she graduated from the University of Michigan in 2014 and from there freelanced as a local copy editor and proofreader, and served as a research assistant to a local Detroit journalist. Her work has been featured in the Ann Arbor Observer and Sage Business Researcher. She is currently assistant editor, personal finance at The Washington Post.
- Sean JacksonPersonal finance eCommerce writer
-
We bought a vacation home for retirement, but we never use it. Should we sell, or rent it out and wait for mortgage rates to come down?
We ask financial planning experts for advice.
-
Is a CD a Smart Money Move Amid Potential Rate Cuts?
Knowing what's coming can help savers prepare and maximize returns.
-
Where I'm Stashing My Emergency Fund Before Rates Change
Knowing what's coming can help savers prepare and maximize returns.
-
My Car Is 10 Years Old. Should I Drop Down to Minimum Coverage on My Car Insurance?
Reducing your car insurance to minimum coverage could save you thousands on premiums. But when is it worth the risk?
-
Don't Be a Sucker: The Truth About Guarantor and Cosigner Agreements
There are significant financial and relationship risks involved if you agree to be a cosigner or guarantor. Make sure you perform your due diligence, and know exactly what you're getting into, before agreeing to such a commitment.
-
Amazon Expands Free Fresh Grocery Delivery to 1,000 Cities
Amazon's expanded grocery delivery service costs less than Amazon Fresh. Is it a better deal?
-
Is Crypto Investing Coming to a Credit Union Near You?
Credit unions are getting in on crypto investing through partnerships with third-party platforms, but the risks to investors still apply.
-
My First $1 Million: Retired Army and Health Care Worker, 52, Houston
Ever wonder how someone who's made a million dollars or more did it? Kiplinger's My First $1 Million series uncovers the answers.
-
Seven Things You Should Do Now if You Think Your Identity Was Stolen
If you suspect your identity was stolen, there are several steps you can take to protect yourself, but make sure you take action fast.
-
How AI and Human Expertise Are Changing Wealth-Management Services
Wealth-management software helps you keep track of your investments and manage your money. We look at Range's all-in-one platform to see how it works.