Points & Miles for Beginners

So, you want to travel the world for pennies on the dollar? You’ve come to the right place. Here at Million Mile Secrets, we can show you the basics of how to get (nearly) free flights and hotel stays to make travel more affordable for everyone.

Earn Points

Redeem Points

Points vs Cash? Use our calculator to decide

Should I pay with points or cash?

Points valuations are based on MMS calculation and not provided by the loyalty programs

Input the cash price of the ticket, including any taxes/fees


Miles required to purchase

Most award tickets will have cash cost, such as taxes and fuel



Input the cash price of the stay, including any taxes/fees


Points required to purchase

Most award nights will have resort fees for the stay



Fill out the inputs to get a payment recommendation

We recommend paying with

Total savings

Value of cash :

Value of + fee:

Note: This calculator bases its decision on MMS points and miles valuations. After years and years of award travel, we have estimated the value of all the major points currencies (these are our values — card issuers don’t place a value on these points). The calculator will assess whether or not your redemption falls below the lowest acceptable value.

Best Travel Credit Cards

Check out our experts’ picks of the best travel credit cards. They compare the pros and cons of each card and why they like them.

See Credit Cards
Woman at pool looking to horizon

All Beginner Posts