I save a ton of money while traveling by using my points to book flights, and my credit card also gets me into airport lounges where I don't have to pay for food and beverages.
Instead of hoarding points, I strategize how I'll use them. I always have a target or goal that I'm saving my points toward, and I use them for travel we're planning in the near term.
In my experience, it's rarely a good value to use my airline miles and credit-card points on hotel stays or vacation packages.
I never want to carry a balance I can't afford and potentially negatively impact my credit or get charged interest.
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