Beginners often freeze because points seem complex, but the core rule is simple: travel redemptions beat cashback and merchandise almost every time.

A point value depends on the redemption. As a statement credit it may be worth under a cent; on a well-chosen flight it can be worth several times more.

The best first redemption is usually an economy flight you were already going to buy, especially a long or peak-date route where cash prices are high.

Avoid gift cards and merchandise early on, and collect in one flexible programme until you have enough for a complete trip rather than scattering small balances.