Credit card points don’t have to be complicated. I’m breaking down exactly how travel points work, how to transfer them to airline and hotel partners, how to know when you’re getting a good deal, and the beginner mistakes we wish we’d known to avoid.

Want to use credit card points to travel more with your family but have no idea where to start? I’m breaking down exactly how we use Chase Ultimate Rewards points to book flights and hotels, transfer points to travel partners, and make family travel more affordable—without needing to become a points expert.