Any points earning or utilization tips that you wish you had known earlier? For example...

Paying taxes with the WOH credit card. For a 1.87% fee, I can charge tens of thousands of dollars of taxes on my credit card.

$25K at 1.87% is $467.50. So for $467.50 I can get 25,467 points plus 10 nights. Assuming I'll be over 60 nights by the end of the year, the extra 10 nights will give me an extra 10K milestone points. So that's 1.32 cents per point ( $467.50/(10,000+25,467) ). Not bad given that I regularly redeem points for 3+ cents

Even better is to do just enough at the end of the year to get to that 70, 80, 90, or 100 night level

And even if you don't actually owe tens of thousands of dollars, you can pay the money and get it back when you file your taxes.

EDITED: messed up the decimal point. Earning at 1.32 cents and spending at 3+ cents