Credit Cards

How To Use Credit Cards Point For Airline Ticket

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 7 minute read

Everything you need to know about how to redeem credit card points for plane tickets.

How To Use Credit Cards Point For Airline Ticket? Many people use credit cards in order to accumulate points for benefits like a free vacation. Credit card points may be used for free airline tickets as a method to reap the benefits of credit card use.

You may redeem credit card points for airline tickets once you’ve accumulated a certain number. Your points can still get you to your destination even if you don’t have the greatest travel credit card. Free travel is possible if you pay your credit card bill in full each month and avoid accruing interest.

Using credit card points for plane tickets may be done in a variety of ways, and this article will help you figure out which method is best for you and how to optimize your benefits.

Through Your Credit Card’s Online Purchasing Gateway, You May Purchase Airline Tickets

A number of credit card companies offer their own online shopping platforms, making it simple to use your reward points. A good illustration of this is the Ultimate Rewards program from Chase. To redeem your Chase Ultimate Rewards points for airline tickets, log into your account through the Chase Ultimate Rewards site (located in the upper right of the page). After that, click on “Travel” and start looking for flights. To book, you’ll need a certain number of points.

In general, your points are worth about one cent apiece when you book through Chase Ultimate Rewards. You can get a bigger return on your points with some cards than others. The Chase Sapphire Reserve’s points are worth 1.5 cents apiece, whilst the Chase Sapphire Preferred’s points are worth 1.25 cents each point.

You should be able to log in and book travel using the rewards portal regardless of the rewards program you have. Verify your redemption for an airline ticket one more time to be sure you’re receiving the best deal possible.

How to Use Credit Card Points to Purchase Airline Tickets Through a Travel Partner

Another approach to maximize your rewards points is to transfer them to a travel partner. It’s possible that transferring your points will provide you with an even greater return in some cases. There are 15 travel partners that you may transfer points to on the Capital One Venture Rewards Credit Card. Your points may be transferred from one airline’s rewards program to another, increasing your options for redeeming them. In addition, if you book hotels and rental cars via Capital One Travel and use the Venture card, you’ll earn 5X the miles on those purchases and 2X the miles on all other purchases.

Transferring points to airline partners is also possible through systems like Chase Ultimate Rewards. Chase Ultimate Rewards may be transferred to a partner airline, allowing you to book a free flight if you don’t have enough points to do so.

For some cards, such as the Chase Sapphire Reserve, booking through the Chase gateway earns you a bonus. Chase Freedom, on the other hand, does not provide this improved redemption option. The ideal strategy is to transfer points that are not earning a bonus from the Chase site to airline partners in order to get the most value out of them when pooling points with an airline partner.

How to Use a Co-Branded Credit Card and Frequent Flyer Program to Acquire Cheap Airline Tickets

Getting a co-branded credit card is another option to redeem credit card points for airline tickets. The Delta SkyMiles Gold American Express Card is an example of a credit card that I use to earn points. Using this card earns me points for every dollar I spend, and Delta purchases give me an additional bonus point. To redeem my points, I just log into my Delta account and submit my booking details. My options include selecting the option that displays the fare in points and selecting the ticket that works best for me.

Co-branded mileage schemes are also available on other credit cards. When I lived near an American Airlines hub a few years ago, I signed up for a Citi American Airlines co-branded credit card. The United Explorer Card for personal use and the United Explorer Business Card from Chase are both branded cards that offer additional rewards in addition to the points you earn through United’s program.

It’s not always easy to transfer points from a co-branded credit card to other airlines once they’ve been earned, so it’s important to think about which airlines you’re most likely to fly with when choosing a credit card.

How to Get Rid of the Cost of a Plane Ticket by Using Reward Points

Points can be used to cancel your already-purchased flight. There are credit cards that allow you to cancel these transactions, such as the Capital One Venture Rewards Credit Card

To redeem, simply book your flight as normal using your Venture Rewards card. Travel choices will then appear when you log in to your Capital One account, including “redeem travel purchases.” You only need to choose which part of your trip’s expenses you’d like covered, and the points you’ve earned will be used toward that expense. Using a third-party aggregator like Orbitz, you may be able to save money by using fewer points.

It’s possible that you’ll miss out on reward points if you buy from a third-party website. If you book through an aggregator website rather than directly with the airline, you may not receive the additional travel points. Even if you don’t have a credit card, you may still rack up miles by traveling with the airline. Before you make a decision, do the numbers.

Not All Points Are Equal

Keep in mind that not all points are the same. The value of your points may vary depending on how you choose to redeem them, as not every program values them the same way. When booking a flight, the quality of service you choose (first-class vs. coach) and other factors influence how much your miles are worth. Make sure you do the math when redeeming your credit card points for airline tickets.

Let’s assume I booked a flight using Southwest Rapid Rewards points. Using 21,237 points, I bought a round-trip ticket for $312. I can calculate a value for points by dividing the cash cost by the number of points required. $312 divided by 21,237 equals 0.01469, or 1.5 cents each point. In my opinion, that’s a good deal.

Using the Chase travel portal, for example, gives you varying point values, so you need to find out which programs are most suited to your needs and where you’ll receive the most points per dollar spent.

How You Book Airline Tickets is Up to You

There are a variety of ways to maximize your savings on airline tickets if you understand how to use credit card points for that purpose. A few years back, I was able to save money by flying out of a different airport and taking the flight on a different day of the week. For example

Begin by performing the simplest things first. Learning how to traverse fare charts and redemption schedules might be a more sophisticated strategy as you have more experience. No matter whatever airline rewards program you choose, you’ll soon be an expert and able to earn additional free flights.

How to Find the Best Credit Cards with Credit Card Rewards

When it comes to a credit card that lets you earn points that can be redeemed at airline partners, there’s a number of things that you should keep in mind.

First, you will want to shop around and get free quotes from multiple credit card issuers. Your ability to earn points and redeem points can change drastically depending on the credit card issuer that you have chosen.

Then there’s aspects of the actual credit card itself that you will want to consider. Preferably, you will want a credit card with no annual fee, no foreign transaction fees, a high credit limit, and flexible ways to earn and redeem rewards. A card issuer that offers a welcome bonus (also known as a sign-up bonus) can also be appealing.

By earning these valuable points and miles while traveling and making travel purchases, you will likely want to get a credit card that not only allows you to earn points and miles while making eligible travel purchases, but also on everyday purchases.

Because of this, a credit card that lets you earn miles and rewards points when you make other eligible purchases, such as online grocery purchases or purchases made at gas stations, will let you rack up points faster which can be used at partner airlines for many different travel rewards.

Having flexible rewards, such as the ability to get a statement credit instead of hotel points or airline miles is also a huge bonus.

Credit card benefits can really allow you to save money if you use them wisely, particularly if you’re a frequent traveler and your credit card is linked to a frequent flyer program.

Keep in mind that you will likely need a credit score of 670+ in order to be eligible for some of the best travel credit cards available.

If you would like to learn more about credit scores and travel cards, we recommend you check out our previous articles, such as how to get a perfect credit score or how to earn Chase Ultimate Rewards faster.

Bottom Line

Many credit cards have programs in place that will award flights and other travel perks if you have earned enough points. You will want to make sure that your credit card points are eligible at the airline and hotel partners that you plan on utilizing.

You will want to shop around and compare travel rewards credit cards in order to find the one that best suits your travel needs. Getting a credit card from the best credit card company will mean you need to look at a number of different aspects, such as the credit limit, if there are any fees (an annual fee, or foreign transaction fees), if there is any sign-up bonuses, and how flexiblie the rewards program is, for both how you can earn rewards and how you can redeem travel rewards in the airline frequent flyer programs of your choice.

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