With the advent of credit cards such as the Citi Prestige and Chase Sapphire Reserve, you might have checked whether booking a flight or hotel using points via their travel portal provided better value than simply transferring points to the respective loyalty program. While there are benefits, watch out down below for some major pitfalls!
Sometimes this can provide quite good value. For example, if a ticket is <$200 on American, this method is better value since through American, you’d still be forced to use 12,500 miles in most cases. Say if a flight is $150, you would have to use only 190 / .016 = 9,375 ThankYou points. Citi ThankYou points are worth 1.6 cents per point (cpp) when used on American Air flights. And these code as revenue flights so you earn miles and EQMs too!