Earn flexible credit card points so you're not locked into travel - Business Insider

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The most valuable type of credit card points is impossible to get stuck with — you can use them for travel, but can also redeem them for cash back and gift cards

make it easy to earn points in this program, which are incredibly useful when it comes to booking travel through AmexTravel.com or transferring points to Amex transfer partners like Delta SkyMiles and Hilton Honors.

, yet few people know just how many ways you can redeem points in this program. For starters, you can redeem these points for gift cards with a wide range of retailers, or for shopping using this program's Pay with Points feature. You can also donate your points, and you can even use them to make a payment on your mortgage or your student loans.

Some cards in this category also let you redeem points for gift cards or merchandise, and this is another area where it would be nearly impossible to be stuck with points. If you can use cash back to shop on Amazon.com, for example, then you can basically get whatever you want — even if you only need dog treats or toilet paper.

since it lets you earn 2% back on everything you buy — 1% when you make a purchase and another 1% when you pay it off., and the. All of these cards earn rewards you can use whether or not you end up traveling.

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