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Message: [QUOTE="HuskyHawk, post: 5282982, member: 1414"] I use a dedicated airline card now, but in the past the way it worked was: figure out what airline you need to use -> figure out the points needed for your flight -> transfer points to your reward account. Essentially you're using Chase points to buy airline points. If you're like my sister and always use one airline (Delta) then you can just dump them more indiscriminately. But you may want to spread them out. Works the same for hotels. The variance in points needed depending on when and where you fly or stay is pretty high. [/QUOTE]