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How to Use Credit Card Points for Flights (Beginner Guide)

Step-by-step: how to use Chase Ultimate Rewards, Amex Membership Rewards, and Capital One miles for free flights.

Published June 8, 2026 · Updated June 8, 2026 · By Meera Rao, Lead Flight Specialist Last reviewed Jun 2026

Use credit card points for flights: 1) Transfer points to an airline partner (Chase UR → United, Amex MR → Delta, Capital One → Avianca), 2) Find an award seat on that partner's website, 3) Book using your transferred points + small taxes (often $5-$80), 4) Target premium cabin redemptions for best value (3-8 cents/point vs 1-1.5 cents).

The short answer is in the box below. Read on for the details.

The Short Answer

Use credit card points for flights: 1) Transfer points to an airline partner (Chase UR → United, Amex MR → Delta, Capital One → Avianca), 2) Find an award seat on that partner's website, 3) Book using your transferred points + small taxes (often $5-$80), 4) Target premium cabin redemptions for best value (3-8 cents/point vs 1-1.5 cents).

The Full Guide

This is one of the most common questions our travel desk gets every week. Here is the complete breakdown of what works in 2026.

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Why This Matters in 2026

Travel pricing, rules, and tools have changed rapidly. What worked in 2020 doesn't work today — airline IT systems are more aggressive at preventing loopholes, but new opportunities (consolidator fares, transferable points, AI tools) have emerged.

Frequently Asked Questions

See the FAQ schema attached to this article for quick answers. Our agents answer these and dozens more at +1 (833) 546-3547.

When to Call vs DIY

ScenarioDIYCall an agent
Simple US domestic round-trip 30+ days out✅ Use Google Flights
International long-haul or Business Class✅ Consolidator fares save $500+
Same-day or last-minute✅ Live agent + held seat
Group of 10+✅ Group rates
Post-cancellation rebooking✅ Multi-carrier search
Multi-city / open-jaw✅ Human-built routing

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