I’ve been maximizing my points all wrong

On making travel suck less, the benefits I’d been overlooking, and why I still think one credit card is worth $895 a year

This is the Window Seat Points & Loyalty series, a practical look at how points and miles actually work, offering exact breakdowns, templates, and systems to help you secure lie-flat seats and 5-star stays for a fraction of the cost.

Ed. Note: Flights, accommodations, and experiences were provided by American Express. All opinions and recommendations are…