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Introduction to points and miles

To the point Earning points is new to you? Not sure where to start with credit card applications? Wondering how to compare offers and how to select references? Here is THE complete beginner's guide to points and miles by milesopedia.


Many of you are starting to learn how to earn points and miles. That being said, points and miles, how are they different? Why wouldn’t your current credit card be enough for you?

So many questions! We have designed this beginner’s guide and broken it down into six chapters (given the amount of information there is to learn). It’s a real course on travelling at low cost or no cost, with must-know and must-read articles for beginners like you.

Do you prefer the video version?

Here’s everything you need to know about the credit score and report in 5 minutes:

We all know:

  • a family member
  • a friend
  • a co-worker
  • an acquaintance

… who earns points and has already told you about it.

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Two solutions are offered to you:

  1. You can either assume that the card you currently have corresponds to your needs
  2. or you can forget your fears and embark on the magical journey of earning points and rewards!
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  • Do you like flight deals?
  • Do you keep tabs on grocery coupons and promotions?
  • Do you enjoy being eligible for free movies?

Why not go a little out of your way to earn points and miles?

With points and credit cards, you can save on all big trip expenses:

Or get cash back to reduce your monthly budget!

You can do it !

I would like you to understand that you too are capable of doing it and can become autonomous without being told which card to apply for!

If others can earn numerous points, with the right credit cards you too can do so, and thus achieve what it takes to pay for your dream trip!

I start from the general belief that nothing is inaccessible if we give ourselves the proper means. Everyone goes at their own pace and especially according to their own means. No need to rush and burn your feathers.

Travel hacking is a marathon, not a sprint!

Jean-Maximilien Voisine, milesopedia
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The beginner's fears

Whether we are a beginner in a sport or in our own profession, as an example, it is not uncommon to encounter this feeling of fear, similar to being lost in the fog, and which is expressed in different ways:

The Unknown

The work environment, the difficulty of the exercise, the scope of the tasks to accomplish…

Alteration of the credit report

Quite contrarily, because we keep a much closer eye on it, our credit score is better. Good travel hackers will tell you, their credit score is generally very good!


True, it’s a lot of organisation. But once well organised, card management doesn’t require much more time! Pay your bills as soon as you get them, and make a personalised strategy for yourself.

Lack of time

With work, children, sports… Where to find the time to manage additional credit cards? As mentioned above, it is organisation but it’s nothing impossible.

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These fears lock you in your comfort and prevent you from moving forward… and above all saving a lot of money!

It’s like everything, you don’t become an expert in a field in a blink of an eye, it requires patience and work. But this hobby will bear fruit… and be very lucrative!

Goal-setting: The essential starting point

If you are reading this guide, it’s because the world of points sparks your interest!

Know that before counselling any member of the milesopedia community, the first question asked is ALWAYS THE SAME:

What’s your goal?

Set goals!

Earning points does not start until one has specific goal(s):

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Once the goals are defined, we will seek to define a strategy to achieve them through:

The goal should therefore be the base of YOUR strategy! As a matter of fact, you will be able to see in the testimonial section that all those who shared their success stories with points and miles… started from a specific goal!

If there is one thing you must remember, it is the order in which to proceed: GOAL then PROGRAMS then CARDS! Not the other way around!


Before understanding the points and loyalty programs, let’s attempt to make you understand how the cards work.

Some will say that this is common sense, but given the questions that arise on the facebook group, a return to basics will not hurt.

For example, it is not uncommon to see posts on Facebook like “I own a World Elite, it’s the best”… which does not mean anything given the number of institutions that offer a World Elite card. The advantages and offers for a card are different from one bank to another… even for a similar product called “World Elite”!

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