The three ways to use credit card points

Worst option

.6-1 cent per point

Cash out points as a statement credit

Best Option

2 plus cents per point

Transfer points to airline and hotel partners

Second best option

.7-1.25 cents per point

Use points to book travel through credit card travel portals

There are three main ways to use credit card points. You can cash them out as a statement credit at a rate of .6 cents per point, use them in the travel portal for 1 cent per point, or transfer points to partners for upwards of 2 cents per point. With cards like the AmEx platinum currently offering a sign up bonus of 175k points, the difference between getting 1 cent per point and using Travel Point Solutions to find optimal transfer partners for your points and travel goals is well over $1,700.

We leverage our experience to maximize credit card points for affordable dream trips. Expert tips go beyond common advice found online. Flight booking strategies turn a pricey United flight to Paris into an 88,000-point trip using AmEx points via ANA.

Current credit card websites give general recommendations without considering personal circumstances. Where you live and where you travel can affect which card is best for you. Credit card blogs may promote specific cards for their gain. We don't do that and will help you get the best sign-up bonus.