Beginner's Guide to Credit Card Points and Transfers

What Are Transferable Points?

Some credit cards earn "transferable points" — a flexible currency you can move to airline or hotel programs. Think of it like having cash that can be converted to any loyalty currency at favorable rates.

The Big 6 Transferable Programs

1. Chase Ultimate Rewards — earned on Sapphire cards
2. Amex Membership Rewards — earned on Amex Gold, Platinum
3. Capital One Miles — earned on Venture X, Venture
4. Citi ThankYou Points — earned on Strata Premier
5. Bilt Rewards — earned on the Bilt Mastercard (even on rent!)
6. Wells Fargo Autograph — earned on Autograph Journey

How Transfers Work

When you transfer 10,000 Chase points to United at a 1:1 ratio, you get exactly 10,000 United miles. The transfer is usually instant and irreversible. Only transfer when you have a specific booking in mind.

Your First Steps

1. Pick one transferable points card (we recommend Chase Sapphire Preferred for beginners)
2. Earn points on everyday spending
3. Use Mink Points to find the best transfer routes for your travel goals
4. Transfer and book when you find a good redemption

Common Mistakes to Avoid

• Never transfer points speculatively — only when you see availability you want to book
• Don't pay cash for a flight that could be a 15,000 point award
• Don't ignore transfer bonuses — they can add 20-50% more value