Points 101
Where to Start
A five-step order of operations for a first year in points, written to stop you spreading thin.
Pick one transferable points ecosystem
Chase (good for Hyatt and United), Amex (good for international airlines), or Citi (good for Turkish Miles&Smiles). Don't spread thin early — concentration beats diversification until you have enough for redemptions.
Earn a sign-up bonus
The minimum spend requirement on a new card (typically $4,000–$5,000 in 3 months) earns a bonus worth $600–$1,500+. Put everyday spending on the card and pay it in full every month.
Pick a target trip and work backwards
Reverse engineering is more motivating than abstract accumulation. Decide where you want to go, look up the award price, and let that number drive which programs you focus on building.
Learn the transfer partners for your ecosystem
See the full transfer partner list → Understanding which airlines and hotels your bank points can reach — and at what ratio — unlocks the most powerful redemptions.
Track everything
You're already in the right place. Knowing your balances, card anniversary dates, and expiring credits is the difference between a well-executed strategy and leaving value on the table.