The number of calls I’ve gotten from friends and family members lately asking me to help with using credit card points for flights is at an all-time high. You should have a workshop, they say. We’d pay to have you figure this out for us, they tell me.

But look, I’m not going to charge them—or you—but I will share all my secrets here. It’s taken me awhile to figure out the process, and it’s a bit like travel Jenga if we’re being honest. If you do find this content helpful, I’d appreciate you use the embedded links to open credit cards or subscriptions, as it continues to help me provide these resources free of charge to you.

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Quick resources for booking flights

• For finding cheap airfare: Going
• For finding rewards flights: Point.me
• For earning points toward free travel: these credit cards
• For booking excursions and tours: Get Your Guide
• For building maps and itineraries: Steller

How to find rewards flights

People think that opening a credit card and earning the sign-up bonus is all you have to do, and rewards flights will just materialize. Wrong! Obviously, you need the points first, but each airline varies in how much inventory they have open for awards seats and the amount of points needed to book (which also depends on time of year you’re traveling, class of service and route, among other things). One service I love that makes this process easier is Point.Me, which lets you load in all your credit card points and figures out flights for you based on which points you have (Ultimate Rewards, Membership Rewards, Bilt Reward, etc.). You can then sort by lowest points, quickest flights or your personal credit card/airline loyalty programs.

It’s how I found our flights in a very complicated itinerary to Qatar and onto Thailand—we flew in suites all the way around the world and just paid a total of $200 out of pocket for taxes—and it’s well worth the subscription fee. But if you don’t want the ease of a service to do it for you, here’s what you need to know as you start the process of using credit card points for flights.

You have to put in the research

Once you have your destination in mind, the first things to research are 1) what airlines fly there from your home airport and 2) do your credit card points transfer to those airlines? For example, Chase Ultimate Rewards points transfer to United, KLM and AirFrance, while American Express Membership Rewards transfer to Delta (and no one transfers to American, ha). I find this chart from In Points We Trust a helpful one to reference quickly when I’m doing my flight searches.

When finding reward flight availability, you may have to reposition to a larger airport (i.e. book a separate flight to a larger airport with better airlift). Being based out of Nashville at BNA, I do a lot of this—I often fly for cheap or use my Companion Pass to get to other cities like D.C., Atlanta, Newark or even JFK to begin my journey, then book my round-trip international airfare out of those hubs.

Once you have an idea of what routes go where, then you can start plugging and playing on the airline websites. You’ll usually need a frequent flier account to search rewards availability, so go ahead and sign up for the airline(s) you think you may be flying so you’ll be one step closer. After you have an account, you can plug in your dates or date range, then start looking at availability and pricing. For many airlines, this means checking a box that says “use points” or “rewards flights.” And if the airline (like United, pictured here) offers a calendar by the month, it’s worth checking to see what days have the cheapest rewards availability to your destination.

Sometimes, I find it easier to search awards availability on the airline’s app, so if you’re finding the browser experience clunky, considering downloading the app instead. The 300 level of using credit card points to fly for free is learning what alliances (e.g. Avios, Flying Blue, etc.) you can transfer to—and also what airports to avoid connecting through as they charge an exorbitant amount of taxes (I’m looking at you, Heathrow)—but that is a topic for another day once you’ve got the basics down.

This is important: You’re always going to want to transfer points to that airline’s site versus booking through the credit card portal, which often costs five times the points as transferring directly to the airline, not to mention has fewer routes available.

If you find a flight for, say, Qatar Airways that requires 140,000 points, then—and only then—is it safe to transfer the points over from your credit card to that airline account and book the flight stat. Points transfers often are instantaneous but sometimes can take up to 72 hours, so don’t fret if you don’t see them in your airline account right away. And if an airline allows you to hold the seat—which often is something you’d have to do via calling—absolutely take them up on that.

You have to book early

For our Thailand trip this year, I booked my flights 11 months out, and the same for our Australia trip coming up this winter. Do you always have to be looking that far out? If you want to fly business, the answer is generally yes. Economy availability is usually more plentiful, but business class has limited inventory because the airlines want the cash for those expensive seats.

Airlines typically release flights around 330 before departure. If you’re flying international and want to use points for business class seats, I suggest you book as close to that release date as possible.

You have to be flexible

You can’t have dates set in stone when you need to leave and arrive and expect to find points flights that magically align with that dream. After I have a general idea of where I want to go—like the year and season, for example—and how many days I want to be gone for, I’ll start tracking prices on Google Flights (if I’m paying out of pocket), including setting up price alerts, and watching rewards availability like a hawk (if I’m using points). This is a time-consuming hobby, make no mistake.

If you have the flexibility to travel with a few weeks’ notice, you can definitely make out well using points for flights. For example, I just saw a lot of award availability open up to Europe for next month! The points game is great for Type A travelers like me who plan their travels a year out, as well as fly-by-the-seat-of-their-pants jetsetters who have the flexibility to up and go on a whim.

I also subscribe to many different newsletters like Going and 10xTravel—I recommend the paid subscriptions for both—which give me heads up about short sales, awards flight availability and more.

Also know going into this process that many holidays or high season periods will likely be sold out or blacked out—or, on the flip side, you’ll have to spend a premium of points, meaning it might not be worth it to use your hard-earned points on that specific trip. I typically find I get the best bang for my buck using credit card points for flights when I’m traveling outside of the big travel seasons like summer and November/December.

My favorite credit cards for earning travel points

I have an entire blog post on earning points with credit cards that I update often, but these are my top three cards for earning points on travel pretty much always:

• The Platinum Card® from American Express
• Capital One Venture X Rewards Credit Card
• Chase Sapphire Reserve or Preferred

Each of them has different benefits, but all of them come with lounge access, which I use the heck out of.

Top ways to earn points toward flights

Beyond opening credit cards, getting the sign-up bonuses and using those cards for key categories, there are other things you can do to make sure you’re getting the maximum points.

Link your Rakuten to your AmEx account

The number one—read this: NUMBER ONE—way to rack up additional Membership Rewards points is by signing up for a free Rakuten account, then linking it to your American Express card. I’ve found my points through cash back are way more valuable than a few dollars each cycle.

You can only do this if you have an AmEx account. Sorry, Chase and Cap1 card holders. Explore my favorite AmEx card here.

Check your offers regularly

No matter which card you have, there will be an offers section in your dashboard. I routinely browse them and add any ones—like LuluLemon, Marathon gas, Hilton, etc.—to my offers, that way if I spend money with any of those businesses and meet the criteria, I’ll either earn additional points or cash back. AmEx, in particular, often has points deals for Amazon purchases. You just have to make sure you (obviously) use that card when shopping at the business.

Refer your family and friends

Once you have opened credit cards, using your referral link when friends and family open the same card can be helpful in accruing additional points you can use toward travel. And bonus, you didn’t have to spend a dime to do it either!

Any other questions on using credit card points for flights? This is just the tip of the iceberg, but should get you going as you work toward your master’s degree in rewards travel.

Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.