{"id":54116,"date":"2023-11-14T19:00:43","date_gmt":"2023-11-14T19:00:43","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2023\/11\/14\/how-to-maximize-your-holiday-purchases-with-points-and-miles-the-points-guy\/"},"modified":"2023-11-14T19:00:43","modified_gmt":"2023-11-14T19:00:43","slug":"how-to-maximize-your-holiday-purchases-with-points-and-miles-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2023\/11\/14\/how-to-maximize-your-holiday-purchases-with-points-and-miles-the-points-guy\/","title":{"rendered":"How to maximize your holiday purchases with points and miles &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>As we quickly approach the holiday season, you may already be in the process of finding the <a href=\"https:\/\/thepointsguy.com\/guide\/holiday-gift-guide\/\" rel=\"noopener\" target=\"_blank\">perfect gifts<\/a> for your loved ones. However, if you are a travel rewards enthusiast, there is an important decision you need to make regarding these purchases. You must determine whether it&#8217;s best to pay for gifts directly or with your <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">points and miles<\/a>, thus keeping money in your pocket. Both approaches have advantages and disadvantages, along with potential pitfalls to avoid.<\/p>\n<p>Everyone has their strategy for maximizing the value of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ten-credit-card-commandments\/\" rel=\"noopener\" target=\"_blank\">credit cards<\/a>, points and miles. Some individuals would never consider redeeming them for gifts, as they prefer to save them for flights or <a href=\"https:\/\/thepointsguy.com\/guide\/most-aspirational-points-hotels\/\" rel=\"noopener\" target=\"_blank\">high-end hotel stays<\/a>. Others view these rewards as a form of currency and primarily use them to reduce everyday expenses. Ultimately, if you spend responsibly this holiday season, there is no wrong way to approach your shopping.<\/p>\n<p>Now, let&#8217;s delve into how to make the most of your holiday purchases so you can save money.<\/p>\n<p><a id=\"choosing-the-right-credit-card-s\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Choosing the right credit card(s)<\/h2>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/20231102_Capital-One-Denver-Lounge-Opening_KOlsen_97.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/20231102_Capital-One-Denver-Lounge-Opening_KOlsen_97.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/20231102_Capital-One-Denver-Lounge-Opening_KOlsen_97.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/20231102_Capital-One-Denver-Lounge-Opening_KOlsen_97.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/20231102_Capital-One-Denver-Lounge-Opening_KOlsen_97.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/20231102_Capital-One-Denver-Lounge-Opening_KOlsen_97.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/20231102_Capital-One-Denver-Lounge-Opening_KOlsen_97.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/20231102_Capital-One-Denver-Lounge-Opening_KOlsen_97.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/20231102_Capital-One-Denver-Lounge-Opening_KOlsen_97.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">Capital One Lounge in Denver. KYLE OLSEN\/THE POINTS GUY<\/figcaption><\/figure>\n<p>During the holiday season, you&#8217;ll want to ensure you use <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-choose-a-credit-card\/\" rel=\"noopener\" target=\"_blank\">the right credit card(s) for your purchases<\/a>. However, it&#8217;s important to note that there isn&#8217;t a universal perfect credit card for everyone. The ideal choice will vary based on your specific purchases and priorities.<\/p>\n<p>If you have recently acquired a new <a href=\"https:\/\/thepointsguy.com\/guide\/limited-time-card-offers\/\" rel=\"noopener\" target=\"_blank\">credit card with a welcome bonus<\/a>, it should be your primary option for holiday shopping. Following that, consider cards that offer bonus rewards for the specific places where you plan to shop this year.<\/p>\n<h3>Earn a bonus on a new card<\/h3>\n<p>If you have a considerable amount to spend on holiday shopping, now might be an opportune moment to consider applying for one of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel\/\" rel=\"noopener\" target=\"_blank\">the top travel rewards cards<\/a>. Many cards offer <a href=\"https:\/\/thepointsguy.com\/news\/cards-with-100k-point-bonuses\/\" rel=\"noopener\" target=\"_blank\">sign-up bonuses of 100,000 points or more<\/a>, translating to a value of more than $1,000 in the first year.<\/p>\n<p>Most cards require a specific amount of spending within the initial few months to unlock the welcome bonus, and some cards even waive the annual fee for the first year.<\/p>\n<p>If you&#8217;ve been reluctant to apply for a card due to concerns about meeting the spending requirement, the holiday season, with its accompanying expenses, presents a perfect opportunity to open a new card. If you&#8217;re in search of a new addition to your wallet, here are three cards that currently offer appealing welcome offers:<\/p>\n<div class=\"&#10;        EmailSignUp_container__70lh2&#10;        undefined&#10;        EmailSignUp_isLoading__zGkU5&#10;      \"><picture class=\"EmailSignUp_graphic__AEA5s\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__cnneL\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/turn-holiday-shopping-into-rewards\/\" rel=\"noopener noreferrer\" target=\"_blank\">How to turn your holiday shopping into a free vacation<\/a><\/strong><\/p>\n<h3>Cards that earn bonus rewards on holiday spending<\/h3>\n<p>Another approach is to use a credit card that offers bonus rewards with popular merchants for holiday shopping. Here are some of the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-holiday-purchases\/\" rel=\"noopener\" target=\"_blank\">top cards to consider for your holiday purchases<\/a>:<\/p>\n<p><em>The information for the Discover It Cash Back has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/news\/holiday-shopping-credit-card-plan\/\" rel=\"noopener\" target=\"_blank\">3 things to consider for your holiday shopping credit card strategy<\/a><\/strong><\/p>\n<h3>Add an authorized user<\/h3>\n<p>Adding an <a href=\"https:\/\/thepointsguy.com\/news\/everything-you-need-to-know-about-authorized-users\/\" rel=\"noopener\" target=\"_blank\">authorized user to a credit card<\/a> account offers numerous advantages. Firstly, it aids the primary cardholder in meeting specific spending requirements and accelerating the accumulation of rewards. Additionally, authorized users can leverage the primary cardholder&#8217;s credit score and credit history, which often leads to improved credit scores.<\/p>\n<p>Moreover, certain credit cards provide additional benefits to authorized users, including access to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/airport-lounge-access\/\" rel=\"noopener\" target=\"_blank\">airport lounges<\/a> and statement credits for <a href=\"https:\/\/thepointsguy.com\/guide\/global-entry-vs-tsa-precheck\/\" rel=\"noopener\" target=\"_blank\">Global Entry or TSA PreCheck applications<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-authorized-user-credit-cards\/\" rel=\"noopener noreferrer\" target=\"_blank\">The 7 credit cards with the greatest value for authorized users<\/a><\/strong><\/p>\n<p><a id=\"why-you-should-avoid-store-cards\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Why you should avoid store cards<\/h2>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Saks-Fifth-Avenue-store-at-Waterside-Shops-in-Naples-Florida_John-GreimLightRocket-via-Getty-Images.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Saks-Fifth-Avenue-store-at-Waterside-Shops-in-Naples-Florida_John-GreimLightRocket-via-Getty-Images.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Saks-Fifth-Avenue-store-at-Waterside-Shops-in-Naples-Florida_John-GreimLightRocket-via-Getty-Images.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Saks-Fifth-Avenue-store-at-Waterside-Shops-in-Naples-Florida_John-GreimLightRocket-via-Getty-Images.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Saks-Fifth-Avenue-store-at-Waterside-Shops-in-Naples-Florida_John-GreimLightRocket-via-Getty-Images.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Saks-Fifth-Avenue-store-at-Waterside-Shops-in-Naples-Florida_John-GreimLightRocket-via-Getty-Images.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Saks-Fifth-Avenue-store-at-Waterside-Shops-in-Naples-Florida_John-GreimLightRocket-via-Getty-Images.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Saks-Fifth-Avenue-store-at-Waterside-Shops-in-Naples-Florida_John-GreimLightRocket-via-Getty-Images.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Saks-Fifth-Avenue-store-at-Waterside-Shops-in-Naples-Florida_John-GreimLightRocket-via-Getty-Images.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">JOHN GREIM\/LIGHT ROCKET\/GETTY IMAGES<\/figcaption><\/figure>\n<p>While the strategies above can help you maximize your holiday purchases, there is one sales tactic you should avoid: applying for <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-store-credit-cards\/\" rel=\"noopener\" target=\"_blank\">store credit cards<\/a>. As you shop online or in-store this holiday season, you may receive offers from specific retailers to open a new store card account. These offers can be tempting, especially when they promise an instant discount of 10% or 20%, along with ongoing rewards.<\/p>\n<p>However, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/steer-clear-store-credit-cards\/\" rel=\"noopener\" target=\"_blank\">it is generally not worth getting a store credit card<\/a>. Firstly, applying for one usually results in a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hard-pull-vs-soft-pull-credit-report\/\" rel=\"noopener\" target=\"_blank\">hard inquiry on your credit report<\/a>, which can negatively impact your credit score. Additionally, it will likely be considered a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/ultimate-guide-chase-5-24-rule\/\" rel=\"noopener\" target=\"_blank\">new account by most card issuers<\/a>, which can have consequences in the future. Moreover, the discount you receive from a store credit card is unlikely to match the value of a welcome bonus offered by a new travel rewards card.<\/p>\n<p>For instance, if a store card gives you a 20% discount on a $1,000 purchase, you would save $200. While this may seem significant, the best rewards credit cards can provide you with more than $1,000 in value during your first year. Therefore, store credit cards cannot compete with sign-up bonuses.<\/p>\n<p>Furthermore, store cards often offer subpar rewards for your spending. However, it may be worth considering enrolling in store-specific loyalty programs, especially if you plan to continue shopping at those retailers. Although these programs may provide better rewards to holders of their respective store credit cards, joining them can still be a relatively effortless way to boost your rewards.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/savvy-saturday-dont-open-store-credit-cards\/\" rel=\"noopener\" target=\"_blank\">Why you shouldn&#8217;t open a store credit card during the holiday season<\/a><\/strong><\/p>\n<p><a id=\"using-online-shopping-portals\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Using online shopping portals<\/h2>\n<p>You&#8217;ll probably be doing a lot of your holiday shopping online. Fortunately, there are many ways to make the most of online purchases.<\/p>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:31.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/AA-Shopping-Portal-homepage.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/AA-Shopping-Portal-homepage.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/AA-Shopping-Portal-homepage.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/AA-Shopping-Portal-homepage.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/AA-Shopping-Portal-homepage.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/AA-Shopping-Portal-homepage.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/AA-Shopping-Portal-homepage.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/AA-Shopping-Portal-homepage.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/AA-Shopping-Portal-homepage.png?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">AADVANTAGEESHOPPING.COM<\/figcaption><\/figure>\n<p>One of our favorite strategies to maximize online purchases allows you to earn bonus points, miles or cash back on various online transactions. Specifically, most airline, hotel and credit card reward programs have an <a href=\"https:\/\/thepointsguy.com\/guide\/maximizing-online-shopping-portals\/\" rel=\"noopener noreferrer\" target=\"_blank\">online shopping portal<\/a> offering additional rewards at featured retailers.<\/p>\n<p>All you need to do is start at the portal instead of going directly to the seller&#8217;s site. Sometimes, you can even install a <a href=\"https:\/\/thepointsguy.com\/guide\/shopping-portal-extensions\/\" rel=\"noopener noreferrer\" target=\"_blank\">shopping portal extension for your browser<\/a>. Many popular online retailers, including Target, Home Depot and Macy&#8217;s, participate in these portals. It&#8217;s a quick and nearly pain-free way to boost your earnings this holiday season.<\/p>\n<p>Popular online shopping portals include:<\/p>\n<p>Although many of these portals are run by the same company (and thus look the same), the payouts can differ. Fortunately, there&#8217;s an effortless way to quickly compare earning rates: Use a <a href=\"https:\/\/thepointsguy.com\/guide\/shopping-portal-aggregator\/\" rel=\"noopener noreferrer\" target=\"_blank\">shopping portal aggregator<\/a> like <a href=\"http:\/\/evreward.com\" rel=\"noopener noreferrer\" target=\"_blank\">Evreward<\/a> or <a href=\"https:\/\/www.cashbackmonitor.com\/\" rel=\"noopener noreferrer\" target=\"_blank\">Cashback Monitor<\/a>. These sites show a side-by-side comparison of the bonuses you&#8217;ll earn across these portals, so you don&#8217;t need to fire up each one individually every time you make an online purchase.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/news\/which-credit-card-shopping-portals\/\" rel=\"noopener noreferrer\" target=\"_blank\">TPG reader credit card question: Which credit card should I use in shopping portals?<\/a><\/strong><\/p>\n<p><a id=\"check-for-targeted-card-offers\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Check for targeted card offers<\/h2>\n<p>Depending on your card, you may have some enticing offers and discounts on purchases you would likely make this holiday season.<\/p>\n<h3>Amex Offers<\/h3>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:61%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Current-Amex-Offers.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Current-Amex-Offers.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Current-Amex-Offers.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Current-Amex-Offers.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Current-Amex-Offers.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Current-Amex-Offers.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Current-Amex-Offers.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Current-Amex-Offers.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Current-Amex-Offers.png?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">AMERICANEXPRESS.COM<\/figcaption><\/figure>\n<p>If you have one or more <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/\" rel=\"noopener noreferrer\" target=\"_blank\">American Express cards<\/a>, you&#8217;ll want to pay close attention to the Amex Offers section of your online account(s). These targeted offers cover various merchants that could be great options for your holiday gift needs. <a href=\"https:\/\/thepointsguy.com\/news\/stack-amex-offers\/\" target=\"_blank\" rel=\"noopener\">By combining Amex Offers with earnings from online shopping portals<\/a>, you can receive some impressive discounts on your holiday shopping.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/news\/how-to-get-more-amex-offers\/\" rel=\"noopener noreferrer\" target=\"_blank\">The secret to getting more (and sometimes better) Amex Offers on your card<\/a><\/strong><\/p>\n<h3>Chase offers<\/h3>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:57.1875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/List-of-Chase-Offers.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/List-of-Chase-Offers.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/List-of-Chase-Offers.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/List-of-Chase-Offers.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/List-of-Chase-Offers.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/List-of-Chase-Offers.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/List-of-Chase-Offers.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/List-of-Chase-Offers.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/List-of-Chase-Offers.png?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">CHASE.COM<\/figcaption><\/figure>\n<p>If you have a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/\" target=\"_blank\" rel=\"noopener\">Chase card<\/a> in your wallet, check out the Chase offers on your online account and add the promotions that appeal to you. You can check the offers available if you have multiple Chase credit cards.<\/p>\n<p><a id=\"getting-the-best-purchase-protection\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Getting the best purchase protection<\/h2>\n<p>Are you purchasing a high-priced gift like an iPhone 15 this holiday season? If so, by using the right credit card to buy your big-ticket item, you might be covered with <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-purchase-protection\/\" rel=\"noopener\" target=\"_blank\">purchase protection<\/a>.<\/p>\n<p>Purchase protection can save you from the costs of repairing or replacing damaged, stolen or lost items. However, not all credit cards offer this benefit, and the coverage can vary. Just remember to check the specific terms, such as the time period covered and the claim process, as well as the maximum coverage amount provided by your credit card.<\/p>\n<div class=\"jsx-3709662331 tpg-table \">\n<div tabindex=\"0\" class=\"jsx-3709662331\">\n<table class=\"jsx-3709662331\">\n<thead class=\"jsx-3709662331\">\n<tr class=\"jsx-3709662331\">\n<th class=\"jsx-3709662331\"><strong>Card<\/strong><\/th>\n<th class=\"jsx-3709662331\"><strong>Maximum coverage amount per claim<br \/><\/strong><\/th>\n<th class=\"jsx-3709662331\"><strong>Maximum coverage amount per account<\/strong><\/th>\n<th class=\"jsx-3709662331\"><strong>Coverage duration (days)<\/strong><\/th>\n<th class=\"jsx-3709662331\"><strong>Earning rate(s)<\/strong><\/th>\n<th class=\"jsx-3709662331\"><strong>Annual fee<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3709662331\">\n<tr class=\"jsx-3709662331\">\n<td><strong><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-american-express-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express\u00ae Gold Card<\/a><\/span><\/strong><\/td>\n<td>$10,000 per item (or $500 per event for natural disasters)*<\/td>\n<td>$50,000 per card, per calendar year<\/td>\n<td>90<\/td>\n<td>4 points per dollar spent at restaurants and U.S. supermarkets (on up to $25,000 per calendar year, then 1 point per dollar); 3 points per dollar spent on flights booked directly with the airline or purchased through <a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-travel-guide\/\" target=\"_blank\" rel=\"noopener\">Amex Travel<\/a>; and 1 point per dollar spent on all other purchases<\/td>\n<td>$250 (<a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener noreferrer\">see rates and fees<\/a>).<\/td>\n<\/tr>\n<tr class=\"jsx-3709662331\">\n<td><strong><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Ink Business Cash Credit Card<\/a><\/span><\/strong><\/td>\n<td>$10,000 per claim<\/td>\n<td>$50,000 per account<\/td>\n<td>120<\/td>\n<td>5% cash back at office supply stores and on internet, cable and phone services (on up to $25,000 of purchases per year, then 1%); 2% back at gas stations and restaurants (on up to $25,000 per year in purchases, then 1%); 1% back on all other purchases<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr class=\"jsx-3709662331\">\n<td><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/blue-cash-everyday-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Blue Cash Everyday\u00ae Card from American Express<\/a><\/span><\/td>\n<td>$1,000 per item (or $500 per event for natural disasters)*<\/td>\n<td>$50,000 per card, per account<\/td>\n<td>90<\/td>\n<td>3% cash back on groceries at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 per calendar year in purchases for each category, then 1%), plus 1% cash back on other purchases<\/td>\n<td>$0 (<a href=\"https:\/\/thepointsguy.com\/apply\/blue-cash-everyday-card-from-american-express-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener noreferrer\">see rates and fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"jsx-3709662331\">\n<td><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-freedom-flex\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Chase Freedom Flex<\/a><\/span><\/td>\n<td>$500 per claim<\/td>\n<td>$50,000 per account<\/td>\n<td>120<\/td>\n<td>5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter (requires activation) and on travel booked through the <a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-rewards-travel-portal\/\" target=\"_blank\" rel=\"noopener\">Ultimate Rewards portal<\/a>; 3% back on dining and drugstores; 1% back on all other purchases<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr class=\"jsx-3709662331\">\n<td><a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-venture-x-rewards-credit-card\/\" target=\"_blank\" rel=\"noopener\"><strong>Capital One Venture X Rewards Credit Card<\/strong><\/a><\/td>\n<td>$10,000 per item<\/td>\n<td>$50,000 per account<\/td>\n<td>90<\/td>\n<td>10 miles per dollar spent on hotels and rental cars booked through Capital One Travel; 5 miles per dollar spent on flights booked through Capital One Travel; 2 miles per dollar spent on all other purchases<\/td>\n<td>$395 (see <a href=\"https:\/\/thepointsguy.com\/apply\/capital-one-venture-x-rewards-credit-card-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><em>* Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.<\/em><\/p>\n<p>These cards, each chosen with a particular type of consumer or purchase in mind, are discussed below. Coverage can vary based on your state of residence, and bonus categories sometimes have caps.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/news\/how-to-use-purchase-protection\/\" rel=\"noopener\" target=\"_blank\">How an often-overlooked credit card benefit put $1,400 back in my wallet<\/a><\/strong><\/p>\n<p><a id=\"using-points-and-miles-for-holiday-purchases\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Using points and miles for holiday purchases<\/h2>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.7578125%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/12\/christmas-tree-presents-scaled.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/12\/christmas-tree-presents-scaled.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/12\/christmas-tree-presents-scaled.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/12\/christmas-tree-presents-scaled.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/12\/christmas-tree-presents-scaled.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/12\/christmas-tree-presents-scaled.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/12\/christmas-tree-presents-scaled.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/12\/christmas-tree-presents-scaled.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/12\/christmas-tree-presents-scaled.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">GOODPONG\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Rather than paying for your gifts this year, you may be looking to redeem your points or miles for those purchases. This can happen when you want to minimize your out-of-pocket expenses or have many reward points and miles \u2014 especially if you aren&#8217;t traveling this holiday season.<\/p>\n<p>Even though you generally get more value from travel redemptions, most loyalty programs offer numerous ways to redeem your rewards for merchandise and gift cards. Here&#8217;s a rundown of the major programs.<\/p>\n<h3>American Express Membership Rewards points<\/h3>\n<p><a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-amex-membership-rewards\/\" rel=\"noopener noreferrer\" target=\"_blank\">American Express Membership Rewards points<\/a> are worth 2 cents each based on <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener noreferrer\" target=\"_blank\">TPG&#8217;s valuations<\/a>. However, in most cases, you&#8217;ll be lucky to receive even half that value when you redeem your points for gift cards or merchandise.<\/p>\n<p>You&#8217;ll only receive 0.5 cents per point when choosing American Express gift cards, and points redeemed for many retailers&#8217; gift cards will result in values below 1 cent per point.<\/p>\n<p>You can also use your Membership Rewards points to pay with points at checkout when shopping with select online retailers. One of these retailers is Amazon, where your points are worth 0.7 cents. That said, there are often promotions where you can <a href=\"https:\/\/thepointsguy.com\/news\/amazon-amex-membership-rewards-discount\/\" target=\"_blank\" rel=\"noopener\">save using points<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/redeem-points-miles-amazon\/\" rel=\"noopener noreferrer\" target=\"_blank\">How to redeem points and miles for Amazon purchases<\/a><\/strong><\/p>\n<h3>Chase Ultimate Rewards points<\/h3>\n<figure class=\"jsx-4252866712 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:75%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/05\/Gift-cards.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/05\/Gift-cards.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/05\/Gift-cards.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/05\/Gift-cards.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/05\/Gift-cards.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/05\/Gift-cards.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/05\/Gift-cards.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/05\/Gift-cards.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/05\/Gift-cards.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">SUMMER HULL\/THE POINTS GUY<\/figcaption><\/figure>\n<p><a href=\"https:\/\/thepointsguy.com\/guide\/redeeming-chase-ultimate-rewards-maximum-value\/\" rel=\"noopener noreferrer\" target=\"_blank\">Chase Ultimate Rewards points<\/a> are worth 2.05 cents each, according to TPG&#8217;s valuations. These points are typically worth about half that when redeemed for gift cards, merchandise and other non-travel options.<\/p>\n<p>Most retail gift card awards have a value of 1 cent per point. However, there are sometimes several different gift card options that offer you up to 10% more value, including The Home Depot, DoorDash, Bath and Body Works, Adidas and Barnes &amp; Noble Booksellers. For these cards, you&#8217;d get a value of 1.1 cents per point.<\/p>\n<p>You can also use your Ultimate Rewards points to <a href=\"https:\/\/thepointsguy.com\/news\/amazon-chase-discount\/\" target=\"_blank\" rel=\"noopener\">shop directly with Amazon<\/a>, but you&#8217;ll only receive 0.8 cents per point. In contrast, you&#8217;ll receive 1.25 cents per point when booking travel reservations directly through Chase&#8217;s Ultimate Rewards travel portal if you have a Chase Sapphire Preferred Card or an Ink Business Preferred Credit Card. Better yet, you&#8217;ll receive 1.5 cents per point in value when booking through the Chase travel portal if you have the Chase Sapphire Reserve in your wallet. Not only is redeeming Chase points through Amazon a poor value proposition, but a compromised account could wipe your Chase balance away.<\/p>\n<p>Finally, <a href=\"https:\/\/thepointsguy.com\/guide\/chase-pay-yourself-back\/\" rel=\"noopener noreferrer\" target=\"_blank\">Chase Pay Yourself Back<\/a> is a worthy option to redeem points for a statement credit. This feature is available on all Ultimate Rewards-earning cards and allows you to redeem points for as much as 1.5 cents apiece to offset eligible purchases.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/sweet-spots-chase-ultimate-rewards\/\" rel=\"noopener noreferrer\" target=\"_blank\">From international business class to domestic hops: 6 of the best Chase Ultimate Rewards sweet spots<\/a><\/strong><\/p>\n<h3>Citi ThankYou Rewards points<\/h3>\n<p><a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-citi-thankyou-rewards\/\" rel=\"noopener noreferrer\" target=\"_blank\">Citi ThankYou Rewards points<\/a> are worth 1 cent each toward gift cards and 0.8 cents each toward Shop with Points at Amazon. Alternatively, you can get up to 1 cent per point when redeeming toward cash back, depending on your card. However, Citi ThankYou points are worth 1.8 cents each, according to TPG&#8217;s latest monthly valuations.<\/p>\n<p>Holders of cards like the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-thankyou-premier-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Premier\u00ae Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-premier-card-rates-and-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>) would likely be better off transferring points to one of the <a href=\"https:\/\/thepointsguy.com\/guide\/citi-transfer-partners\/\" rel=\"noopener noreferrer\" target=\"_blank\">Citi ThankYou Rewards transfer partners<\/a>. If you transfer your points to an airline or hotel partner, you can get a lot of value when you redeem for last-minute awards or premium experiences. You can also transfer your ThankYou points to any other ThankYou Rewards member for free, which could make for a good gift.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/redeeming-citi-thankyou-points-maximum-value\/\" rel=\"noopener noreferrer\" target=\"_blank\">How to redeem Citi ThankYou Points for maximum value<\/a><\/strong><\/p>\n<h3>Capital One miles<\/h3>\n<p><a href=\"https:\/\/thepointsguy.com\/guide\/capital-one-venture-rewards\/\" rel=\"noopener noreferrer\" target=\"_blank\">Capital One miles<\/a> are worth 1 cent each when redeeming travel statement credits or most gift cards. Or, you can redeem miles to Shop with Amazon or through PayPal at a rate of 0.8 cents per mile.<\/p>\n<p>However, TPG&#8217;s most recent valuations peg the value of Capital One miles at 1.85 cents each. So, you&#8217;ll generally be much better off <a href=\"https:\/\/thepointsguy.com\/guide\/capital-one-transfer-partners\/\" rel=\"noopener noreferrer\" target=\"_blank\">transferring your Capital One miles to hotel or airline partners<\/a>. You can also share your Capital One miles with anyone as long as they have a miles-earning account, such as the Capital One Venture card or Spark card.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one\/reasons-to-get-capital-one-venture-rewards\/\" rel=\"noopener noreferrer\" target=\"_blank\">7 reasons to get the Capital One Venture Rewards Credit Card<\/a><\/strong><\/p>\n<h3>Airline and hotel programs<\/h3>\n<p>Many airline and hotel loyalty programs offer the ability to redeem rewards for merchandise and gift cards, but you&#8217;ll almost always receive inferior value compared to travel rewards.<\/p>\n<p>If you want to turn your airline miles or hotel points into a gift, consider redeeming your rewards to book travel for others. This will provide better value than redeeming your points or miles for gift cards or merchandise.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/maximizing-rewards-points-non-travel-redemptions\/\" rel=\"noopener\" target=\"_blank\">Maximizing points and miles to beat inflation and save money<\/a><\/strong><\/p>\n<h3>Should you do it?<\/h3>\n<p>When you have the option of <a href=\"https:\/\/thepointsguy.com\/guide\/a-guide-to-earning-transferable-points\/\" rel=\"noopener noreferrer\" target=\"_blank\">transferring points to airline miles or hotel points<\/a>, as you do with American Express Membership Rewards, Capital One miles, Chase Ultimate Rewards and Citi ThankYou Rewards, you can come out far ahead of any merchandise or gift card options. However, when transfer options don&#8217;t exist, you may be able to get the same value when redeeming your rewards for gift cards or merchandise. Alternatively, gifting points may also be a good option.<\/p>\n<p>It&#8217;s up to you regarding how you want to redeem your points. For many people, it&#8217;s better to <a href=\"https:\/\/thepointsguy.com\/news\/do-not-burn-miles-for-merchandise\/\" rel=\"noopener noreferrer\" target=\"_blank\">save points for award travel<\/a> and pay for gifts out of pocket. However, if your account balances are overflowing or you value the cash savings of redeeming for merchandise or gift cards, feel free. As the saying goes, value is in the eye of the beholder.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/non-travel-statement-credit-redemptions\/\" rel=\"noopener noreferrer\" target=\"_blank\">Are non-travel statement credit redemptions worthwhile?<\/a><\/strong><\/p>\n<h3>Consider booking trips for others as a gift<\/h3>\n<p>Remember that most (but not all) loyalty programs let you book travel for others, too. Spending your hard-earned miles to send a friend or family member on a trip might be the ultimate gift you could give this holiday season. Plus, you&#8217;ll get the same value from your points when booking a trip.<\/p>\n<p>So, if you&#8217;re flush with points and miles, consider booking your college-aged cousin on their next round-trip ticket home from school. Or, treat your parents to their first international business-class ticket. Whatever it may be, you&#8217;re giving the gift of travel to those who may not have the resources to do it independently.<\/p>\n<p>To buy a ticket for others, book an award trip as normal and simply add the gift recipient&#8217;s name and information on the checkout screen. They can then check in for their flight and take off \u2014 even if you&#8217;re not accompanying them.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/give-travel-gift\/\" rel=\"noopener\" target=\"_blank\">How to give the gift of travel<\/a><\/strong><\/p>\n<p><a id=\"bottom-line\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Bottom line<\/h2>\n<p>There are many ways to make the most of your holiday purchases this year. Most programs provide straightforward ways to redeem points and miles on gifts for your loved ones. However, you&#8217;ll generally get more value from transferring points to partner programs or redeeming them directly for travel purchases. So, consider booking your loved one a trip this holiday season or paying for gifts and maximizing your return with the perks outlined above.<\/p>\n<p><em>For rates and fees of the Amex Gold Card, click <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a><\/em><\/p>\n<p><em>For rates and fees of the  Amex Blue Cash Everyday click <a href=\"https:\/\/thepointsguy.com\/apply\/blue-cash-everyday-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a><\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-maximizing-holiday-purchases\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As we quickly approach the holiday season, you may already be in the process of finding the perfect gifts for your loved ones. However, if you are a travel rewards enthusiast, there is an important decision you need to make regarding these purchases. You must determine whether it&#8217;s best to pay for gifts directly or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":54117,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-54116","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/54116","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=54116"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/54116\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/54117"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=54116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=54116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=54116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}