I'm a huge fan of collecting transferable points and miles, such as Chase Ultimate Rewards points, Capital One miles and Citi ThankYou Rewards points. I love the flexibility of choosing when and where to transfer my rewards, especially when issuers offer juicy transfer bonuses.

Though I hold some airline-branded credit cards, like the underrated Aeroplan® Credit Card (see rates and fees), I haven't been as interested in locking myself to one airline loyalty program.

I'm not a regular United Airlines flyer, and the United MileagePlus program isn't my default Star Alliance program, in part because I don't live near a United hub. Therefore, applying for a United credit card and investing in the MileagePlus program has never been at the top of my list … until now.

A great solo travel tip spotted this week on The Points Guy Articles.

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