What is Traveling on Point(s)?
Traveling on point(s) involves earning credit card points and using those points to travel the world for free or nearly free. Follow along to learn more!
Welcome to ToP and the exciting world of award travel! Points and miles can help you travel better and more often than you ever thought possible. Whether your goal is to visit far-flung destinations or see family across the country more often, award travel can make that happen. Take a look at our beginner articles and join our Facebook group, where you can ask all your questions and learn from fellow award travelers.
Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Traveling on point(s) involves earning credit card points and using those points to travel the world for free or nearly free. Follow along to learn more!
We explain the most important rule in award travel. Following this one rule is crucial for traveling on points.
One of the first questions people ask when learning about award travel is whether opening many credit cards hurts your credit score. The answer is NO. In fact, opening additional credits can even help your credit score!
One of the first things we recommend to “newbies” is to figure out your 5/24 status. As a reminder, your 5/24 status is a rule
Every single blog that covers award travel discusses Chase, something called 5/24, and steers newbies towards Chase cards first. Why? The “5/24” rule is the reason behind this.
Points Miles Glossary The points & miles world is filled with acronyms and abbreviations. Many of these become second nature after some time. If you
Traveling on point(s) involves earning credit card points and using those points to travel the world for free or nearly free. Follow along to learn more!
We explain the most important rule in award travel. Following this one rule is crucial for traveling on points.
One of the first questions people ask when learning about award travel is whether opening many credit cards hurts your credit score. The answer is NO. In fact, opening additional credits can even help your credit score!
One of the first things we recommend to “newbies” is to figure out your 5/24 status. As a reminder, your 5/24 status is a rule
Every single blog that covers award travel discusses Chase, something called 5/24, and steers newbies towards Chase cards first. Why? The “5/24” rule is the reason behind this.
Points Miles Glossary The points & miles world is filled with acronyms and abbreviations. Many of these become second nature after some time. If you
Meeting minimum spend can be tricky when you open a new card without a plan. In this article, we outline a few of our favorite strategies.
We analyze the strategy of sign-up bonuses and why they are so much more valuable than spending on bonus categories with everyday cards.
Creating and sticking to a plan of which credit cards to open is essential to earning the most points you can so you can travel for free.
Now that you are ready for a CSP versus a CSR, how do you decide which one? This is your first decision, since you cannot hold both.
Chase Credit Card Applications Flowchart The fastest way to earn Ultimate Rewards is via welcome offers from opening new Chase credit cards, like the Chase
Am I Eligible For Business Credit Cards? One of the most popular questions in the ToP Facebook Group is, am I eligible for business credit
Credit Card Application Rules For Each Bank Being approved for a new card requires more than having a high credit score or proving a good source
Credit Card Reconsideration Call No one likes rejections, let alone for a new credit card. Unfortunately, it can happen, even to those with great credit
Business Cards That Don't Count Against Chase 5/24 When members of our Facebook group ask for advice on what card to get next, we usually
Meeting minimum spend can be tricky when you open a new card without a plan. In this article, we outline a few of our favorite strategies.
We analyze the strategy of sign-up bonuses and why they are so much more valuable than spending on bonus categories with everyday cards.
Creating and sticking to a plan of which credit cards to open is essential to earning the most points you can so you can travel for free.
Now that you are ready for a CSP versus a CSR, how do you decide which one? This is your first decision, since you cannot hold both.
Chase Credit Card Applications Flowchart The fastest way to earn Ultimate Rewards is via welcome offers from opening new Chase credit cards, like the Chase
Am I Eligible For Business Credit Cards? One of the most popular questions in the ToP Facebook Group is, am I eligible for business credit
Credit Card Application Rules For Each Bank Being approved for a new card requires more than having a high credit score or proving a good source
Credit Card Reconsideration Call No one likes rejections, let alone for a new credit card. Unfortunately, it can happen, even to those with great credit
Business Cards That Don't Count Against Chase 5/24 When members of our Facebook group ask for advice on what card to get next, we usually
We often discuss in our Facebook group how transferable points are so much more valuable than miles or points with a single airline or hotel. This is because transferable points are the key to unlocking incredible value from credit card points.
With transferable points, you gain flexibility and high redemption value. With access to different transfer partners, you can opt for the partner that will give you the most value.
We recommend creating loyalty accounts ahead of time to avoid the common issues relating to brand new accounts, such as delayed transfer times. Having your loyalty accounts set up when you're ready to book makes everything easier.
How to Combine Ultimate Rewards Chase offers lots of flexibility for cardholders to combine their Ultimate Rewards. You can combine Ultimate Rewards from all of
While there are several ways to redeem Chase Ultimate Rewards (UR) including their travel portal and Pay Yourself Back; one of the most beneficial is by transferring to their travel partners.
ToP walks you through how to transfer Membership Rewards to Amex's hotel and airline partners to get you the most value for your points.
Airline and hotel companies often sell points with big bonus offers, but it's important to understand the risks associated with buying points.
Citi ThankYou Points are an underrated transferable points currency. Yet it provides great value and flexibility. Citi's cards offer an excellent earning structure with a baseline of 2x on every purchase. Having so many transfer partners in common with Chase and Amex is actually a strength of Citi's. Lastly, for those looking to cash out their points, Citi offers ease and flexibility.
We often discuss in our Facebook group how transferable points are so much more valuable than miles or points with a single airline or hotel. This is because transferable points are the key to unlocking incredible value from credit card points.
With transferable points, you gain flexibility and high redemption value. With access to different transfer partners, you can opt for the partner that will give you the most value.
We recommend creating loyalty accounts ahead of time to avoid the common issues relating to brand new accounts, such as delayed transfer times. Having your loyalty accounts set up when you're ready to book makes everything easier.
How to Combine Ultimate Rewards Chase offers lots of flexibility for cardholders to combine their Ultimate Rewards. You can combine Ultimate Rewards from all of
While there are several ways to redeem Chase Ultimate Rewards (UR) including their travel portal and Pay Yourself Back; one of the most beneficial is by transferring to their travel partners.
Airline and hotel companies often sell points with big bonus offers, but it's important to understand the risks associated with buying points.
Citi ThankYou Points are an underrated transferable points currency. Yet it provides great value and flexibility. Citi's cards offer an excellent earning structure with a baseline of 2x on every purchase. Having so many transfer partners in common with Chase and Amex is actually a strength of Citi's. Lastly, for those looking to cash out their points, Citi offers ease and flexibility.
How should you choose when to use points through a travel portal, transfer to a travel partner, or convert to cash back? ToP analyzes the pros and cons of each approach to help you maximize your credit card points.
This article teaches you how to best use your miles and we explain the differences among the main types of award charts: zone-based, distance-based, and dynamic pricing.
How to Use Award Hacker Award Hacker is a helpful website that can tell you what points and miles you can use to book a
Saver award availability is crucial for booking cheap award flights. ToP explains what saver awards are and how to find them.
ToP explains how to search and book United Airlines' excursionist perk award, which can get you a free one-way award within a multi-city itinerary.
IATA airline codes can be confusing, but this list spells out the codes for most of the major airlines in the U.S. and the rest of the world.
How to Book an Award Flight Using Points We get a lot of questions in the ToP Facebook group about how to book an award
How should you choose when to use points through a travel portal, transfer to a travel partner, or convert to cash back? ToP analyzes the pros and cons of each approach to help you maximize your credit card points.
This article teaches you how to best use your miles and we explain the differences among the main types of award charts: zone-based, distance-based, and dynamic pricing.
How to Use Award Hacker Award Hacker is a helpful website that can tell you what points and miles you can use to book a
ToP explains how to search and book United Airlines' excursionist perk award, which can get you a free one-way award within a multi-city itinerary.
IATA airline codes can be confusing, but this list spells out the codes for most of the major airlines in the U.S. and the rest of the world.
How to Book an Award Flight Using Points We get a lot of questions in the ToP Facebook group about how to book an award
How do you maximize earning Chase points? That's easy. Obtain the Chase Trifecta. CSP/CSR, the Freedom Flex and the Freedom Unlimited (or Ink Unlimited) make an almost perfect trio of cards for bonus and non-bonus spending!
The Travel on Points team explores ways to earn cash and gift cards back using methods other than credit cards.
Our spending habits may have changed during this time of social distancing, but everyone still needs to eat. If you’re like my family, you’re spending
As we spend more of our time in social distancing, many of us are cooking more. However, we all need a break sometime. Grabbing takeout or delivery can be a nice alternative for each of us.Â
Earning points in one player mode can be different. Explore strategies on how you can still earn significant points and miles to travel on!
The ToP Guide to Amex Offers walks you through the uses and benefits of this great Amex program that can yield some big savings.
The ToP Guide to Chase Offers walks you through the basics of how to use and maximize this great Chase program that can help you save money.
How do you maximize earning Chase points? That's easy. Obtain the Chase Trifecta. CSP/CSR, the Freedom Flex and the Freedom Unlimited (or Ink Unlimited) make an almost perfect trio of cards for bonus and non-bonus spending!
The Travel on Points team explores ways to earn cash and gift cards back using methods other than credit cards.
Our spending habits may have changed during this time of social distancing, but everyone still needs to eat. If you’re like my family, you’re spending
As we spend more of our time in social distancing, many of us are cooking more. However, we all need a break sometime. Grabbing takeout or delivery can be a nice alternative for each of us.Â
Earning points in one player mode can be different. Explore strategies on how you can still earn significant points and miles to travel on!
The ToP Guide to Amex Offers walks you through the uses and benefits of this great Amex program that can yield some big savings.
The ToP Guide to Chase Offers walks you through the basics of how to use and maximize this great Chase program that can help you save money.
Many times, especially after you've been in the award travel world for a while, you may be approved for a smaller credit limit than you wanted or expected. This could be for various reasons, such as issues on your credit report, credit extended to you with that specific credit card company, total available credit, or low credit utilization or non-use of your existing credit cards.
The ToP Guide to Credit Card Retention Offers walks you through how to ask for a retention offer when your annual fee comes due.
Credit card annual fees can be obnoxious, but ToP shares some factors to consider when deciding whether to pay them.
Many times, especially after you've been in the award travel world for a while, you may be approved for a smaller credit limit than you wanted or expected. This could be for various reasons, such as issues on your credit report, credit extended to you with that specific credit card company, total available credit, or low credit utilization or non-use of your existing credit cards.
The ToP Guide to Credit Card Retention Offers walks you through how to ask for a retention offer when your annual fee comes due.
Credit card annual fees can be obnoxious, but ToP shares some factors to consider when deciding whether to pay them.
We promise to keep things short, sweet, and packed with awesome insights!