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        日本女子相扑Full Disclosure:日本女子相扑 We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure?for more details. We appreciate your support!

        Getting started with miles and points can be tricky. After all, with so many cards available, where do you start?

        Don’t get too overwhelmed — in fact, armed with the right knowledge, you can be flying for free (in business class, of course!) in no time at all.

        If you’re looking to get started with airline miles and points, you’ve come to the right place. In this guide, we’ll walk you through the basics of earning miles and points.

        But before we start, keep in mind that日本女子相扑 this article is for beginners日本女子相扑. We’ll mostly focus on earning Chase Ultimate Rewards (because they’re simple and transferable) and give you a look at some of the other quirks and features of the miles and points game, too — let’s get started!

        日本女子相扑Hot Tip: 日本女子相扑日本女子相扑Ask us literally any travel question日本女子相扑 about points & miles inside: “日本女子相扑Level UP Travel日本女子相扑“, our new Facebook Group. We’re even posting over-the-shoulder “how-to” videos on making bookings, searching for award space, maximizing your points – you name it. Join here for free.


        Stack of Credit Cards
        Image Credit: lentamart via Shutterstock.com

        Rewards-earning credit cards are the base of the miles and points hobby. These cards make it easy to earn airline miles quickly through sign-up bonuses and spending multipliers. However — as with any credit card — rewards credit cards should be treated with great care and consideration.

        With that in mind, 日本女子相扑we don’t recommend signing up for a new credit card if you have a record of misusing credit日本女子相扑. These cards often have high interest rates and expensive annual fees — so if you don’t pay the balance in full, it can cost you some serious coin in the long-run.

        Likewise, 日本女子相扑don’t overspend just to earn points or meet a sign-up bonus日本女子相扑 — as a general rule, it’s only worth earning points on transactions you’re making anyway. In other words: no amount of credit card or airline points is worth going into debt over, so don’t do it.

        Sound good? Great. Now that we have the heavy stuff out of the way, let’s dive into the miles and points earning fun!


        How To Add A Travel Alert To Your Chase Account
        Image Credit: Jirapong Manustrong via Shutterstock.com

        There are a ton of rewards-earning credit cards on the market. However, most of these are co-branded credit cards that earn points with a specific airline or hotel chain.

        These cards can be great, but they have some major downsides. For example, you’re limited to redeeming points in 1 specific airline program, so you’re subject to program devaluations and limited award space.

        With that in mind, 日本女子相扑we recommend earning transferable points日本女子相扑 that can be transferred to different airline partners. At Upgraded Points, one of our favorite types of transferable points is Chase Ultimate Rewards.

        It’s easy to see why we love them: Chase partners with a vast network of transfer partners, making the points super valuable. In fact, with these points you can book award flights on all airline alliances or redeem free hotel stays at some of the world’s most luxurious properties.


        There are 2 main reasons:


        In short, this rule prevents you from getting new Chase cards if you’ve opened 5 credit cards (across any bank) in the last 24 months. Currently, other issuers like American Express, Citi, and US Bank do not have this type of restriction.

        If you’ve signed up for fewer than 5 cards in the last 2 years, we highly?recommend starting with the Chase strategy we’ll lay out below. Because if you don’t do it now, who knows when you’ll be able to apply for Chase cards again?

        日本女子相扑BOTTOM LINE: 日本女子相扑Start your points journey by collecting Chase points. They are 日本女子相扑super?easy to earn日本女子相扑 (see below) and you can transfer them 7 airlines and 4 hotel partners for endless choices!


        Chase isn’t the only bank that issues transferable points. In fact, American Express, Citi, and Capital One all have similar programs with their own set of transfer partners.

        Don’t get us wrong: you should definitely earn and redeem those points in the future. However, because of Chase’s 5/24 rule, you’ll want to keep your focus on Ultimate Rewards points in the beginning. This will let you 日本女子相扑earn as many points as possible日本女子相扑 and not miss out on any valuable offers that you may not be able to take advantage of later down the road.

        日本女子相扑Hot Tip: 日本女子相扑Already maxed out your 5/24? No worries – head to the bottom of this article for a quick-start guide to American Express Membership Rewards, 日本女子相扑Citi ThankYou Points, and Capital One points.?


        Here’s how to jumpstart your mileage journey and quickly earn a healthy amount of Chase Ultimate Rewards points. In fact, this tried-and-true approach is how most of the 日本女子相扑Upgraded Points team got into the miles and points game themselves!


        Chase sign
        Start your miles and points journey with Chase Ultimate Rewards points. Image Credit: Alexander Oganezov via Shutterstock

        日本女子相扑First, apply for the Chase Sapphire Preferred? Card.日本女子相扑

        The card usually carries a nice sign-up bonus to get you started, and you’ll earn 2 points for every dollar spent on dining and travel purchases. The “travel” bonus category includes flights, hotels, Uber, taxis, and even the subway. The “dining” category works at coffee shops, bars, and other dining establishments in the U.S. and abroad.

        In short: 日本女子相扑it’s the perfect card to start with日本女子相扑 (and trust us: we get asked about the best starter card a lot). Plus, you’ll pay just $95 per year to keep the card and its great benefits.

        Check out these articles to learn more about the Chase Sapphire Preferred card:


        You may have seen the Chase Sapphire Reserve? Card, too. This is another great card in the Chase Sapphire family, but it has a few key differences from the Chase Sapphire Preferred card.

        日本女子相扑The main difference is in the benefits日本女子相扑. The Chase Sapphire Reserve card has a number of frequent traveler benefits like a Priority Pass?lounge membership, $300 annual travel credit, and complimentary Global Entry reimbursement. Additionally, the card has a higher award earning ratio for travel and dining purchases.

        However, these benefits come at a cost. The Chase Sapphire Reserve card has a large $550 annual fee, while the Chase Sapphire Preferred card has a $95 annual fee.

        Because of this, we recommend starting with the Chase Sapphire Preferred card?before dropping money on a card with benefits you may not use in the beginning.


        Make sure you put all your purchases on your Sapphire Preferred card when you first get it. This will help you meet the minimum spending requirement for the sign-up bonus and you’ll earn valuable Ultimate Rewards points with each purchase.

        Chase Sapphire Preferred
        Image Credit: Chase


        The most valuable part of a card is the sign-up bonus. With that in mind, be sure you have a plan to hit the minimum spending required to earn the sign-up bonus, usually within 3-4 months.

        We emphasize “having a plan” so you don’t have to spend more than you usually would just to earn the bonus. Luckily, you can earn points for virtually 日本女子相扑all日本女子相扑?of your spending, including cell phone, cable, utilities, insurance, and other bills. And don’t forget services like Spotify, Apple Music, Netflix, Hulu, and Lyft!

        If you need a boost to hit the minimum spend, you can use a service called Plastiq to 日本女子相扑pay bills that otherwise don’t accept credit cards.日本女子相扑 There is a small fee to use the service, but it can be worth it to earn that initial sign-up bonus. You can use 日本女子相扑Plastiq to pay rent, a mortgage, student loans, and more.

        Remember: carrying a balance and overspending is never a good idea, so be responsible and don’t buy unnecessary things.

        日本女子相扑BOTTOM LINE:?日本女子相扑Getting the big sign-up bonus is critical to earning the maximum number of points possible. Make sure to track your spending and hit that minimum within the introductory period.


        If you’re shopping online, make sure you check the Ultimate Rewards shopping portal. If the online store where you are shopping has partnered with Chase, you can earn extra Ultimate Rewards points.

        The whole process only adds 60 seconds (or less) to your shopping experience. All you need to do is log in to the Chase shopping portal, click on the retailer you’re purchasing from and you’ll then be redirected to their website where you’ll checkout as normal. Your bonus points will then be credited to your account a few weeks later!


        Dining Out
        Image Credit: Shutterstock.com.

        You can earn extra airline miles or hotel points just by signing up for their dining program and attaching a credit card to your profile; nothing else is required.

        If you dine at a participating restaurant, you’ll automatically earn the miles or points. And after 11 dines, you’ll earn VIP status that awards 5 points per $1 spent at participating restaurants.


        Like dining rewards programs, Dosh gives you extra cash-back for participating purchases. Just sign up for an account, link a credit card, and use your card as normal.

        You can earn up to 日本女子相扑7% cash-back日本女子相扑 at participating merchants, which you can cash out via PayPal when you meet the $25 minimum payout threshold.


        As mentioned earlier, Chase Ultimate Rewards has a wide array of airline and hotel transfer partners.

        You can check out the full list of transfer partners below. Using these will give you?much more value than redeeming your Ultimate Rewards for cash-back or gift cards.


        Chase Hotel Transfer PartnerMin TransferTransfer RatioTransfer Time
        日本女子相扑World of Hyatt
        1,0001:1Almost Instant
        IHG Rewards Club1,0001:11 day
        Marriott Rewards1,0001:12 days


        So you have a new stash of Ultimate Rewards points — now, it’s time to figure out how you want to use them.

        Maybe you want to try an international first class flight such as Singapore Airlines’ famous Suites class. Or maybe you just want to take your family to the beach for a weekend. Whatever the goal may be, now’s the time to lock in your plan to make it happen.


        Don’t worry — after you use your first haul of Ultimate Rewards points, you’re not done yet. Check out the following resources on how to earn more points (and go on more amazing vacations!):

        When you’re ready for a second card to help you earn more Ultimate Rewards, you have a few options:

        • The?Chase Freedom? card earns 5 points per dollar in quarterly rotating categories. This can be a big boost to your points collection, especially when the category is groceries, ride-sharing, Amazon, or another place where you already spend money every month.
        • Another option is the?Chase Freedom Unlimited? card, which earns 1.5 points per dollar on all purchases. This card is a great choice for purchases that aren’t part of a bonus category like bills, shopping, and groceries.

        Note that when you sign up for another Chase Ultimate Rewards card, you can combine your points into 1 central account. So if you have a Chase Sapphire Preferred card and a Freedom Unlimited card, you can pool points and earn more than 1 point per dollar on all purchases.


        Business Credit Card
        Image Credit: G-Stock Studio via Shutterstock


        If you own a business, you may want to open the Ink Business Preferred? Credit Card for your business spending (you can also get the Chase Sapphire Preferred card for your personal expenses). Since we’ve already discussed what you get with the Chase Sapphire Preferred card, let’s take a look at what you get with the Ink Business Preferred card.

        You will earn:

        • 3 points per dollar on travel, shipping, internet, cable, and phone services, plus advertising purchases made with social media sites and search engines each account anniversary year (on the first $150,000 spent per cardholder year)
        • 1 point per dollar everywhere else

        If you put all your business spending on the Ink Business Preferred card and all your personal spending on the Chase Sapphire Preferred card, you’ll earn you some serious Ultimate Rewards points on all?of your business and personal transactions.


        As a Visa business card, the Ink Business Preferred card is eligible to enroll in the Visa SavingsEdge program. Similar to the dining programs discussed above, once you’re enrolled, you don’t have to worry about a thing.

        When you make a purchase at a participating Visa SavingsEdge merchant, you will automatically receive a small percentage back in the form of a statement credit. Depending on your business spending habits, you can rack up some serious dough with this awesome program.

        Oh, and don’t forget to enroll your Ink Business Preferred card in Dosh, too. This will help you earn even more cash-back on your business purchases!


        The steps we discussed above for starting with the Chase Sapphire Preferred card apply for small business owners as well. Follow steps 3 through 7 to ensure you earn your sign-up bonus and figure out your travel goals. Don’t worry, you can use Plastiq to pay your office rent, too!


        Follow the above steps with this card as well! A great companion card with no annual fee is the Ink Business Cash? Credit Card. For this card, you earn 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

        Plus, you’ll earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. For all other card purchases, you’ll earn an unlimited 1% cash-back.

        Don’t think “cash-back” is worthless, either — if you also hold the Chase Sapphire Preferred card, Ink Business Preferred card, or the Chase Sapphire Reserve card, 日本女子相扑you can combine your points and transfer them to any of the travel partners we discussed earlier日本女子相扑.

        日本女子相扑Hot Tip: 日本女子相扑For more information on the perks related to this card, check out our article on the 日本女子相扑20+ valuable benefits of the Ink Business Cash? Credit Card.


        Before you think about your first redemption (assuming it’s international), you will need to make sure you have a valid passport.

        Don’t forget to check our booking guides to make the redemption process even easier. These will walk you step-by-step through the booking process for many popular award tickets.


        Let’s say in a few years, you’ve earned hundreds of thousands of points and redeemed them for an awesome vacation around the globe — look at you go!

        Now you’re ready to move on to earn other types of transferable points. As discussed earlier in the article, there are 3 other major transferable points programs you can use to travel the world: American Express Membership Rewards, Citi ThankYou, and Capital One.

        Each of these programs has unique transfer partners and cards with varying earning rates and features. Below is a quick primer on each of these currencies — we’ll give you an overview of their transfer partners, discuss some of the credit cards you can earn with, and dish out other important info.

        日本女子相扑Hot Tip: 日本女子相扑Not all points and miles are created equal. Check out our always up-to-date points and miles valuation guide?to see how much all of the major travel currencies are worth.


        Next to Chase Ultimate Rewards, American Express Membership Rewards are the most well-known transferable points currency. American Express has an array of transfer partners that i all 3 major alliances, and even include some non-alliance airlines like El Al, Emirates, and Virgin Atlantic.

        American Express has a variety of different cards that earn Membership Rewards points, too. Some of our favorites include the American Express? Gold Card that earns 4 points per dollar spent on dining and groceries and The Platinum Card? from American Express that offers 5 points per dollar spent on airfare purchases.

        Want to learn more about American Express membership rewards? Check out these guides on earning and redeeming them:


        Citi ThankYou is another transferable points currency. It doesn’t have quite as many transfer partners as Membership Rewards or Ultimate Rewards, but it has some unique transfer partners like Qantas and THAI that can give you incredible value on redemptions to Asia (Hong Kong, Singapore, etc.), Australia, and beyond.

        There are a few different cards that 日本女子相扑earn Citi ThankYou Points, and each has its own perks and earning structures. One of the most valuable cards is the Citi Rewards+? Card that rounds each purchase to the nearest 10 points.

        Check out the following guides for more info on Citi ThankYou Points:


        Finally, Capital One is a newcomer to the transferable points game. This currency added transfer partners in 2018, giving cardholders the ability to transfer their points to partners like Air France/KLM FlyingBlue, Finnair Plus, Cathay Pacific Asia Miles, and more. However, these transfers process at a 2:1 or 2:1.5 ratio (depending on the partner), so you’ll technically lose points during the transfer.

        日本女子相扑Hot Tip: 日本女子相扑Capital One cardholders can also redeem points toward paid travel at a rate of 1 cent per point.

        Capital One offers an array of both business and personal credit cards you can use to earn points. These include the Capital One? Venture? Rewards card that earns unlimited 2x miles on every purchase, and the Capital One? Spark Miles Select for Business that earns unlimited 1.5x on every business purchase.

        Read these guides for more info on Capital One points:



        Currently, 6 different cards earn Chase Ultimate Rewards points. Of the 3 starred below, 日本女子相扑you will need at least 1日本女子相扑 in order to transfer your points to travel partners.

        Otherwise, points for all your Chase cards will be available for use in the Ultimate Rewards portal.

        If you’d like, you can still collect points and just sign up for one of the travel cards once you are getting ready to transfer.

        • Chase Sapphire Preferred card*
        • Chase Sapphire Reserve card*
        • Freedom card
        • Freedom Unlimited card
        • Ink Business Preferred card*
        • Ink Business Cash card


        We recommend transferring when you’re ready to book a specific redemption. Transferring in advance leaves you susceptible to devaluations and limits your redemption options.


        Transfers to most travel partners are near instant. However, some partners — namely Singapore KrisFlyer — may take up to 24 hours to process.

        Andrew Kunesh


        Andrew was born and raised in the Chicago suburbs and now splits his time between Chicago and New York City. He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 25 countries, 10 business class products, and 2 airline statuses (United and Alaska) under his belt.

        日本女子相扑Disclaimer:日本女子相扑 Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


        1. Tom日本女子相扑 August 3, 2019

          Great post, thank you.


        2. Katherine日本女子相扑 August 29, 2019

          It was really helpful and the guide was on point. Thank you so much!


        3. Lilia日本女子相扑 March 7, 2020

          Do any of these offers apply to South African citizens?


        4. Rita日本女子相扑 日本女子相扑 July 12, 2020

          I like the content on your posts. Could you add my email so I can receive regular updates. Thank you.



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