When it comes to travel, using credit card points is a game-changer. Flights, hotels, car rentals—those rewards can save you so much money! But let me share a little lesson I recently learned that might save you from making the same mistake I did. Spoiler: transferring points isn’t always the best move.
Here’s my story and some tips to maximize your travel rewards.
The Points Transfer Process: Quick and Easy
I transferred points from two credit cards to book a flight on Emirates, and here’s what I noticed:
1. Capital One:
- Points transferred instantly, even though they said it could take up to 24 hours.
- The rules stated points must be transferred in increments of 1,000, but I was able to transfer smaller amounts like 4,800 points without a problem.
2. American Express:
- Points also appeared instantly, even though the website warned it could take up to 48 hours.
- They stuck to the rule of transferring in 1,000-point increments, no exceptions.
✨ Takeaway: Transfers can be fast, but always double-check the rules and timing—especially if you’re working on a tight schedule.
The Booking Breakdown: What I Spent
Excited about my successful transfers, I booked my flight directly on the Emirates website. Here’s the cost:
● 115,000 points for the flight.
● 38,600 points to upgrade to seats with extra legroom (because comfort matters!). ● Out-of-pocket cost: $475.68 in fees.
✨ Grand Total: 153,600 points + $475.68.
What I Should Have Done
Here’s the part that stings: If I had left my points in the American Express Travel Portal, I could have booked the same flight for 121,000 points—and paid nothing out of pocket.
That’s a difference of 32,600 points and $475.68. Ouch.
The lesson? While transferring points to a travel partner can offer perks like seat upgrades or additional options, it’s not always the most cost-effective choice.
Tips to Maximize Your Travel Points
If you’re using points for travel, here’s how to avoid my mistake:
1. Compare Costs:
Always compare the cost of booking directly through your credit card’s travel portal versus transferring points to a travel partner. The portal often has no additional fees and better redemption rates.
2. Know the Transfer Rules:
Some programs allow odd-point transfers (like Capital One), while others stick to strict increments (like American Express). Be sure to check these details beforehand.
3. Factor in Fees:
Booking directly through a travel partner often comes with additional fees that can add up quickly—especially for international flights.
4. Plan Ahead:
Even though my points transferred instantly, not all programs work that fast. If you’re on a tight timeline, make sure you plan accordingly.
What’s Your Points Strategy?
Have you had a points win or learned a hard lesson like I did? Do you use your miles for flights, hotels, or upgrades? I’d love to hear your tips and experiences! Share them in the comments below or reach out to me directly.
Final Thoughts
The points game is all about strategy. Sometimes transferring points can unlock amazing opportunities, but other times it’s better to leave them where they are. By taking the time to compare costs and understand the rules, you’ll make the most of your travel rewards and avoid unnecessary fees.
Want more travel tips? Check out my services and let’s plan your next adventure together—smarter and better!
