Travel Credit Cards: The Secret To Affordable Flights All Over The World

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When my husband and I left for our 6 month trip to 18 countries, we knew that airfare would be one of the single largest individual costs of our trip. So, after a little bit of research, we found a way to get affordable flights all over the world: travel credit cards.

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How Points & Miles Saved Us Thousands

The first note here that I need to make is that almost no flight is truly free, you do have to pay the taxes and fees. But, what if I told you I just bought a $6 flight from North Carolina, USA to Athens, Greece this week. Or that I’ve spent only $11 for my husband and I to fly from NC to Turkey?

Would you believe those numbers?

I never in a million years thought I could fly abroad for less than a few hundred dollars, and that’s if I somehow found an amazing deal!

It wasn’t until I came across travel credit cards and the world of points and miles that I understood how these serial travelers I was seeing everywhere were affording their flights.

The trick was this: more often than not they were using points to purchase their flights.

So, after tons of research, applying for credit cards, earning the welcome offers, and of course getting everything in order to leave home for 6 months to travel, I bought our one way flights to Türkiye for $11.

How did we do it?

The world of points and miles, of course!

Let me tell you how we did it and give you the information you need to start paying for flights with points! 

Let me preface this with one statement: the world of points and miles is BIG and there is a lot that you honestly don’t need to know to just get started.

So, I’m going to give you the most necessary information to get you started and cut out all the fluff. Let’s go!

What Are Points and Miles?

Points and miles are the reward currency of airlines and hotels: aka loyalty points. 

I’m not only talking about the points you earn by flying with an airline repeatedly, that you only rack up over several years. 

I’m talking about points and miles you earn just from having the credit card you already use!

Each bank or airline that offers credit cards with points and miles use them as an alternative currency for purchasing flights. 

Many of the banks that offer travel credit cards have both airline and non-airline branded credit cards: a.k.a the airline the bank has partnered with offers airline miles as the sign up bonus, not credit card points. Those miles can only be used with that airline. 

If you apply for a bank branded card with no airline association, you’ll earn points with that bank that can then be transferred to their airline or hotel partners. 

How To Get Points And Miles With Travel Credit Cards?

The fastest way, and most likely reason why you’re wanting a travel credit card, is to earn points with a welcome offer.

Most banks offer a welcome offer of varying amounts after a certain amount of qualifying purchases on the card in the first few months. 

It might sound something like this: “earn 60k bonus points when you spend $3,000 dollars on purchases in the first 4 months.” Yadah yadah. 

But, you will also earn points while using your card on your everyday purchases! Some cards offer bonus categories, like 3x on grocery purchases, or 2x at restaurants, etc. So, when you spend money on your card, you’ll earn points in return that can be redeemed for various things, like flights or hotel stays. 

Generally, if you’re wanting to redeem miles for flights or hotels, you’re going to need a good chunk of miles to do so. 

You can purchase some domestic flights with as little as 8,500k points one way, but if you’re flying international, it will likely cost you 20k one way, at least. 

Other ways to earn points with travel credit cards include anniversary bonuses, giveaways, and transfer bonuses. These come and go and aren’t something I would rely on.

For the purposes of this post, which is all about a beginner’s guide to free flights with points and miles, sign up bonuses are your very best friend. 

Resource: Sign up for my favorite points and miles newsletter!

How Much Are Points and Miles Worth?

Not all points are created equal.

Some points are more valuable than others simply because you can transfer and redeem them in more ways. 

Points and miles also get their value depending on the deal you get when redeeming them. 

Let me give you an example scenario to explain…

For example, let’s say you have 75k Capital One miles and you want to fly from Atlanta, Georgia to Athens, Greece for an amazing holiday eating delicious Mediterranean food and swimming in crystal clear waters for 8 days. 

These are the flights you’re looking at. They’ll take you to Greece during the best time to visit, late summer when it isn’t too crowded yet and not too hot.

You have a few options. 

Option 1: Redeem Points with a Travel Portal

Option 1 is to redeem your miles through Capital One Travel and their online portal. When you do this, you’re going to get a fixed redemption rate of 1¢ per mile.

So your 75k miles would be worth $750 for travel. You could use those 75k miles to buy a flight worth up to $750 through the Capital One Travel portal. That’s a little over half of what this ticket is worth. So you would still have to pay about $390+ on top of your 75k miles for this ticket. 

We can definitely do better than that!

Option 2: Transfer to a Partner

Option 2 would be to transfer your Capital One miles to one of their airline transfer partners, then book the flight on their website using your points. 

If you did this, those 75k miles could become 75k FlyingBlue points (Air France & KLM’s loyalty program and one of Capital One’s transfer partners). 

The same exact flight booked on Air France with cash would cost you $1,142.

But, you can transfer your points from Capital One and over to FlyingBlue, so now you have up to 75k FlyingBlue miles! Let’s use them!

If you use FlyingBlue to book the exact same flight, you would only need 30,000 miles and $208 in taxes & fees. Way better than using all 75k and only covering half of the cost!

And, instead of paying $1,142 out of pocket for a round trip ticket to Europe, you’re only paying $208 plus 30,000 points.

*you want to transfer only the amount of points you need. In this scenario, thats only 30k of the 75k.

In this scenario, you would be redeeming your Capital One points, through FlyingBlue, for 3.1cents per mile. Now that’s more like it!

This is why points can be so valuable and why transfer partners can be the best way to go when redeeming points.

What’s The Best Option For Redemption?

I know that was a lot, so let me summarize if for you:

• Out of pocket price for ticket Atlanta to Athens: $1142 on Air France/KLM
• Price of same ticket booked through Capital One Travel: 75k miles + $392
• Price of same ticket booked through FlyingBlue after transferring Capital One miles: 30,000 miles + $208 in taxes and fees.

You would come out of this deal with around 45k Capital One miles left in the bank. That’s enough to buy you another roundtrip flight to Europe.

Now THAT’S how we use points and miles to our advantage 🙂 

*be sure to only transfer the points you need and no more so you can keep the extra points with your bank and transfer them elsewhere in the future*

Don’t have any points or miles yet? Check out this list of My Top Travel Cards to get started.

How Do You Redeem Points And Miles For Flights?

The way that we typically redeem our points and miles is by using them to purchase flights. We do this by transferring our credit card points to transfer partners. 

The scenario above is a great example of how we would use our points and miles to get amazing deals on flights.

The process of transferring points can be a bit complicated, but I’m going to help you out here. 

Here is the basic rundown of how to redeem your points for flights:

• Accumulate points on your credit card
• Research credit card airlines transfer partners (which airlines your bank’s points can transfer to. They are not all the same. You can find this information in your online banking travel portal.)
• Search Google Flights or Skyscanner to find ideal flight routes
• Search for award flights on airline transfer partners
• Find desired flights and see how many points/money required to book them
• Create a frequent flier account with airline if you don’t already have one
• Transfer points on your bank’s website to airline transfer partner of choice
• Book those flights!!

To use the example from above, I would find the flights I want and make sure I have enough points to pay for them. Then, I would log into Capital One and go to the Capital One Travel portal to transfer my points to FlyingBlue. Once my points were transferred, I would buy my flights!

The real trick is finding award flight availability and the deals that are out there waiting to be had! It takes a little bit of time and practice but you’ll get the gist!

What Travel Credit Cards Are Best?

For me to answer this question, you’ll need to ask yourself a question first: what are your goals?

Are you looking to cover some international long haul flights? Maybe you’re an avid domestic traveler and would like to cover a few legs of travel for your upcoming trips. Would you like to stay in nice hotels for just the cost of fees?

It’s good to look at the options and decide what you think will work best for your goals!

If you want to cover some flights, I would find a card that has great travel benefits and flexible rewards. If you’re more interested in hotel stays, get a hotel branded card!

But my general rule of thumb is this: choose a card that earns flexible rewards (not an airline branded card). You’ll have so many more options when the time comes for redemptions.

Resource: Find my favorite travel credit cards and all the information about them on my
Top Travel Cards Page

“Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”