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Credit card points are a type of reward that credit card companies offer to encourage customers to use their credit cards for purchases. The basic idea is that for every dollar you spend using the credit card, you earn a certain number of points. The number of points you earn per dollar spent typically varies depending on the credit card used and the type of purchase.

Once you've accumulated enough points, you can redeem them for various rewards. Common redemption options include travel (either via a credit card travel portal or by transferring points), gift cards, merchandise, cash back, experiences, or charitable donations.

The value of credit card points can vary widely depending on the credit card and how you redeem the points. For example, points might be worth more when redeemed for travel compared to when redeemed for merchandise or gift cards. It’s important to spend some time understanding how points work and how to get the most value out of them.

What are credit card points?

Typically, the best way to get the most value out of your points is by transferring them to travel partners. For example, if we use Roame’s 

 product to search for a business class flight to Europe from any airport in North America, we can find some awesome award options that might cost us around 50,000 points one way. Comparatively, that same flight might run you over $3,000 in cash!

With points, you can set yourself up to embark on the travel journey of your dreams and we’re here to help make that happen.

How do I use my points?

To get the most value for hotel stays, you’ll want a card that offers strong transfer partners or free night benefits. Some programs provide great value at luxury hotels, while others are better for mid-tier stays.

Read our full guide on the best credit cards for hotel bookings and rewards:

What’s the best credit card for booking hotels?

There are several ways and different programs to book flights to Europe with points, including programs that offer low-cost business class redemptions. Earning flexible points is key.

See the best strategies and credit cards for flights to Europe in our guide:

What are the best points to fly to Europe?

If you have a small business or side gig (you probably have something), certain business cards can help you earn valuable points, enjoy big welcome bonuses, and maximize everyday spending.

Learn how to earn more points for less with our Ink card guide:

What are the most valuable business cards and can I get them?

Premium cards come with high fees but top-tier perks. Choosing the right one depends on your travel style, lounge access needs, and how you like to redeem points.

Compare top travel cards side-by-side in our full guide:

Which premium travel credit card is best for me?

Booking premium flights to Japan is possible with the right points and strategy. Learn how to book business or first class for fewer points than you think.

Explore the best cards and award programs for Japan travel:

What are the best points to fly to Japan?

Combining the right cards helps you earn more on every dollar and maximize redemptions. The best combos depend on your spending habits.

See the top card combos to earn and redeem more points:

What’s the best credit card combo to earn more points?

For domestic travel, flexibility matters. Look for cards that transfer to U.S. airlines or offer good value in their travel portals.

Check out our top picks for domestic travel cards:

Points 101