re: Best use out of Chase Sapphire Card

I have the Chase Sapphire and have used points for a car rental. I have points saved for a future vacation.

Sometimes I get a better rental car rate through the site than I can even with my corporate discount code.

For a lot of airline flights, you are better off transferring the points for miles at a 1-1 ratio. I know they do this with United. As an example, from my home, a flight to Hawaii is a minimum of $900, and that is if you are effing lucky. You can get there on 40k United miles most of the time. Those 40k points are free to transfer, and would only equate to $480 towards the purchase of a ticket through their system. The points I was talking about having saved are going to be used exactly like this. 120k gets my family to Hawaii next business trip I have there.

Similarly, if you ball out w/ points, if you saved 320k and transferred to Marriott, you would get a week at a Category 7 hotel, plus 120k airline miles to your airline of choice. Again United is usually best on points, so you are looking at about a 2-3k hotel stay, plus enough airline miles to get you where you need to go more than likely.

Also, make sure you book what you can through their site when paying because you get an extra point per dollar. However, keep in mind that you always pay up front when doing that.


In summary, save the points, plan with the points, and compare to see if you are better off transferring them to a loyalty program.