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You'll often get the best value from Capital One miles by transferring them to travel partners like Aeroplan, Choice, British Airways, and Wyndham.

The value of Citi points depends on how you redeem them and which cards you have, but you'll usually get the highest return from transfer partners.

The value of Amex points depends on how you redeem them, but you'll usually get the highest return when you transfer to airline and hotel partners.

Chase points value depends on the cards you have and how you use your rewards, with transferring to travel partners usually the most lucrative option.

Writer Peter Rothbart strategically buys gift cards from stores where he gets 5% cash back on his credit card purchases.