You also have redeeming points and miles for travel through your credit card portal. And that typically looks a little bit better than a statement credit, but it doesn't necessarily perform better. And what I mean by that is a lot of times card issuers or some card issuers, at least, will offer opportunities to get like, let's say, 25% more for your points when you redeem points for travel through their travel portal.

And that looks and sounds good, but there's some opportunity cost involved there where you're not necessarily getting the 25% more that you think you are. So I don't necessarily love booking travel through the credit card portal. Although there are times when it makes sense. And I think it makes more sense for flights in general than for hotels.

Uh, and sometimes if you're booking a boutique hotel where you wouldn't have access to a better price, otherwise, there are times when that can make sense. But generally speaking, I find the opportunities to get outsized value to be in transferring your points to the various credit card transfer programs.