Skip to headerSkip to main contentSkip to footer
Get our Free E-newslettersGet our Free E-newsletters
Kiplinger logoLink to homepage
Get our Free E-newslettersGet our Free E-newsletters
Subscribe to Kiplinger
Subscribe to Kiplinger
Save up to 76%
Subscribe
Subscribe to Kiplinger
  • Store
  • Home
  • Investing
  • Retirement
  • Taxes
  • Personal Finance
  • Your Business
  • Wealth Creation
  • More
    • Podcasts
    • Economic Outlooks
    • Tools
  • My Kiplinger
    • Kiplinger's Personal Finance Magazine
    • The Kiplinger Letter
    • The Kiplinger Tax Letter
    • Kiplinger's Investing for Income
    • Kiplinger's Retirement Report
    • Store
    • Manage My E-Newsletters
    • My Subscriptions
  • Home
  • personal finance
  • spending
Travel

4 Ways to Get More Value From Your Travel Rewards Points

Points-and-miles blogs are awash with strategies on how to snag free flights by racking up rewards points, often through everyday spending on credit cards.

by: Miriam Cross
April 4, 2018

Getty Images

Points-and-miles blogs are awash with strategies on how to snag free flights by racking up rewards points, often through everyday spending on credit cards. But when you're earning and redeeming points, a few lesser-known tricks can save you money and squeeze more value from your travel rewards.

  • Best Rewards Credit Cards for Travel

1 of 4

Compare Paying Cash With Using Points

Getty Images

When you book an award ticket, points cover only the base fare. Taxes, fees and surcharges can add anywhere from a few bucks to a few hundred dollars. Depending on how much those fees add, "it may be better to pay for the ticket yourself instead of blowing 100,000 miles and paying a fuel surcharge," says Chris Lopinto, president of ExpertFlyer.com, a subscription service for air travel information.

Fuel surcharges (sometimes referred to as carrier-imposed surcharges) can add, say, $800 to the cost of a round-trip business-class flight to Europe or $300 to the cost of an economy-class flight, says Gary Leff, author of travel blog ViewFromTheWing.com. United doesn't charge these fees, but American Airlines and Delta do when you redeem their miles for flights with certain partner airlines.

Some fees are avoidable, such as the "close-in fee" (typically $75) some airlines charge for booking award travel less than 21 days before departure. Others are minimal, such as the September 11 security fee ($5.60 one-way or $11.20 round-trip) for any flight originating in the U.S.

2 of 4

Tap the Power of the Portal

Getty Images

The best way to stay flexible and jump on the best deal is to use a credit card that racks up "transferable" points. For example, the Chase Ultimate Rewards and American Express Membership Rewards programs let you transfer your points from participating Chase or Amex cards to a number of airline (and hotel) partners. They also let you use your points to purchase flights reserved through their travel portals.

To figure out which redemption is better for a particular flight, you first need to calculate the value of your points by dividing the cash price of the plane ticket by the number of points you need for the fare. Say you have racked up 50,000 points with the Chase Sapphire Preferred card and a flight that costs $500 in cash requires those 50,000 points to book it. If you were to transfer your stash to buy that ticket, each point would be worth one cent. But Preferred cardholders can also redeem their points through the Ultimate Rewards travel portal for 1.25 cents apiece–meaning you'd need to spend only 40,000 points to buy that same $500 ticket.

 

3 of 4

Check with Partner Airlines

Getty Images

Sometimes an airline's partner requires fewer miles to book the same trip than the airline's own program–even for a domestic flight. For example, flying round-trip from the continental U.S. to Hawaii on Delta recently cost 52,000 miles using Delta's award program but only 30,000 miles if you booked through Flying Blue, the frequent-flier program of partners Air France and KLM, says Emily McNutt, of ThePointsGuy.com. To book with a partner airline using points you earned with your rewards card, you will need a card that allows you to transfer your points.

4 of 4

Beware of Nonexistent Seats

Getty Images

An airline may release more seats to its own frequent fliers than to members of partner programs. If seats appear to be available on a partner airline but you have problems booking, check with the program where you earned the miles to be sure you're eligible for the seats, says Lopinto.

Also, airline search tools sometimes show "phantom award space"–seats that appear to be available but that you cannot actually reserve–when you try to book on partner airlines. Before you transfer your points, make sure the seat exists by initiating the booking process or confirming with an airline agent.

 

  • Travel
  • family savings
  • spending
  • how to save money
  • leisure
Share via EmailShare on FacebookShare on TwitterShare on LinkedIn

Recommended

6 Money-Smart Ways to Spend Your Second Stimulus Check
Coronavirus and Your Money

6 Money-Smart Ways to Spend Your Second Stimulus Check

If you don't have to use your second stimulus check for basic necessities, consider putting the money to work for you. You'll thank yourself later.
December 28, 2020
Getting Married or Moving In Together? Time to Talk About Money
Starting a Family

Getting Married or Moving In Together? Time to Talk About Money

Sharing a life means it’s time to talk finances.
December 22, 2020
11 Tax Breaks for the Middle Class
Tax Breaks

11 Tax Breaks for the Middle Class

Tax breaks aren't just for the rich. There are plenty of them that are only available to middle- and low-income Americans.
December 17, 2020
Is Pet Insurance Worth It?
Making Your Money Last

Is Pet Insurance Worth It?

If you’ve added a dog or cat to your family, consider pet insurance to manage routine and unexpected veterinary bills.
December 16, 2020

Most Popular

Where's My Stimulus Check? Use the IRS's "Get My Payment" Portal to Get an Answer
Coronavirus and Your Money

Where's My Stimulus Check? Use the IRS's "Get My Payment" Portal to Get an Answer

The IRS has an online tool that lets you track the status of your second stimulus check.
January 18, 2021
The Recovery Rebate Credit: Get Your Full Stimulus Check Payment With This Tax Credit
Tax Breaks

The Recovery Rebate Credit: Get Your Full Stimulus Check Payment With This Tax Credit

If you didn't get a stimulus check, or you didn't get the full amount, you may be able to claim the recovery rebate credit on your 2020 tax return.
January 18, 2021
When Could We Get a Third Stimulus Check?
Coronavirus and Your Money

When Could We Get a Third Stimulus Check?

President-elect Joe Biden and others in Congress are pushing for a third-round of stimulus checks, but it might be a while before we get them.
January 18, 2021
  • Customer Service
  • About Us
  • Advertise With Us (PDF)
  • Privacy Policy
  • Cookie Policy
  • Kiplinger Careers
  • Accessibility
  • Privacy Preferences

Subscribe to Kiplinger's Personal Finance

Be a smarter, better informed investor.
Save up to 76%Subscribe to Kiplinger's Personal Finance
Dennis Publishing Ltd logoLink to Dennis Publishing Ltd website
Do Not Sell My Information

The Kiplinger Washington Editors, Inc., is part of the Dennis Publishing Ltd. Group.
All Contents © 2021, The Kiplinger Washington Editors

Follow us on InstagramFollow us on FacebookFollow us on TwitterConnect on LinkedInConnect on YouTube