5 times you should book travel through your card's travel portal

Here are the times booking through travel portals may be better than booking through third-party travel sites

Stephanie Zito
Travel and cards writer
Travel expert who writes the "Have Cards, Will Travel" column for CreditCards.com

How to earn an exotic vacation at the grocery store

The content on this page is accurate as of the posting date. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs.

What’s the best way to get a great redemption with your bank rewards points? The truth is, there isn’t just one way that works the best for every situation.

Three easy ways to use your credit card rewards points to book free travel are:

  • Booking award tickets directly through an airline or hotel partner.
  • Paying for travel upfront and getting reimbursed on your credit card statement.
  • Booking travel reservations through your bank’s own travel portal.

To be a smart rewards traveler who maximizes the value of their points, finds the availability they want, and stretches their redemptions as far as possible, it is important to understand how and when to use each of these methods.

This week we’ll look at when it is smartest to book travel rewards directly through your credit card’s travel portal.

See related: 5 ways to maximize credit card rewards before year end

Booking through your card’s travel portal

When I say credit card travel portal, I’m referring to the travel booking tool offered by the bank who has issued your credit card.

Every bank that has its own travel awards program has a booking tool, even small local banks with awards programs. Chances are you’ve heard of the most popular ones:

When booking through a bank travel portal you are actually using your rewards points like cash to purchase a plane ticket or hotel stay.

Your credit card issuing bank makes the transaction on your behalf – just like when you book through a travel agent or a travel site like Expedia.

The bank sets the value that each of your points is worth, and the number of points you pay is based on the price that the bank pays for the ticket or room you are booking.

5 scenarios where it’s best to redeem points through your bank travel portal:

1. When you need multiple tickets on the same flight

If you need to purchase more than one or two award tickets on the same flight, booking tickets directly through your bank travel program can be a lifesaver.

Since the credit card company is actually purchasing the tickets from the airline, the number of seats you can purchase isn’t limited by the airline’s award availability.

If multiple seats are available on the plane, you should be able to buy them through your bank portal. This comes in very handy for families and small groups who want to travel together on the same flight using points.

2. When you want to travel on blackout dates or when there aren’t any award tickets available

Sometimes you may find that there are no mileage tickets available on a particular date, even when there are still seats available for purchase. This often happens during peak times and blackout periods when airlines block or limit the number of “free” seats because they know they will be able to fill the plane with paying passengers.

If you need to travel during one of these popular times with little award availability – particularly summer weekends, or any flights around the holidays – you are likely to find a reward ticket via the bank booking portal even when you can’t find one directly through the airline.

3. When you need to earn the miles for your award flight

When you book a plane ticket using your miles directly through the airline, you will not earn additional points when you take your flights.

When you fly on a ticket booked through the bank, however, you will still earn miles! Since the bank is actually paying for the ticket, the airline considers this the same as if you had purchased it with money though a third party.

Take note that this principle doesn’t apply to hotel bookings made through a bank portal. Most hotels won’t allow you to earn points and stay credits, or take advantage of elite status if your reservation is made through a third party. If you need your hotel stay to account for these benefits, it’s best to transfer your points to the hotel group and book directly.

4. When the flight or hotel is low cost

Because the number of points you are charged by the bank is based on the actual dollar cost of the travel, you can actually save points by booking through the bank when the cost of your flight or stay is low.

While most airline and hotel points programs have set point costs for free nights and award flights, banks have a set spending value for each point.

When you earn Ultimate Rewards points with your Chase Sapphire Reserve, for example, each of these points has a value of 1.5 cents when it comes time to reedming for travel through Chase Ultimate Rewards.

The 50,000-point Ultimate Rewards sign-up bonus on the Reserve is worth $750 of travel when booked through the portal.

Consider that a flight between Houston and New York on United Airlines will cost a minimum of 12,500 points when booked through the airline – no matter if the price of the flight is $99 or $499.

When we use the bank math above (1 point = 1.5 cents), we see that these 12,500 points have a bank travel value of $187.50. If the cash price of a ticket is under $187 it’s a good deal to book through the bank’s travel portal as you’ll pay fewer points.

If the price is above $187, you’re getting more value if you transfer your bank points and book directly through the airline.

5. When traveling off the beaten track with a non-partnered airline or boutique hotel

If you’re traveling to a destination not served by a mainstream carriers or hotel groups, booking though your bank portal is a secret savings weapon.

Small airlines and independent hotel properties that can’t be booked through any other award program can often be booked through a travel portal. If you’re heading to an off-the-grid bucket-list destination, or need to fly a partnerless airline like Air Tahiti into Bora Bora, booking through your bank can save you hundreds of out-of-pocket travel dollars.

Redeeming your reward points through your bank travel portal offers great benefits to stretch your rewards further; but remember, it isn’t always going to be the best option for every traveler or every circumstance.

Use these tips as a rule of thumb as your compare reward options, and come back next time when we’ll talk about when it’s savvy to redeem points directly through airline transfer partners.


Join the discussion
We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

If you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings. By leaving the 'Post to Facebook' box selected, your comment will be published to your Facebook profile in addition to the space below.

The editorial content on CreditCards.com is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company's business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.




Weekly newsletter
Get the latest news, advice, articles and tips delivered to your inbox. It's FREE.


Updated: 12-13-2018