The best travel rewards are the ones that get you where you want to go, and some do a better job of that than others. Airline miles can help you book free flights and hotel points can help you book free rooms, but transferable points (like Chase Ultimate Rewards and AmEx Membership Rewards) can do both — and more.
Here are six reasons why transferable points are at the apex of travel rewards, and why you should prioritize earning them over other types of points and miles.
1. Transferable points provide flexibility
Suppose you’re in the market for a new travel credit card and you’ve narrowed your decision to two choices: the first card earns points that can be redeemed with your favorite airline, while the second card earns points that can be redeemed not only with your favorite airline, but also with your favorite hotel chain. The cards are functionally identical otherwise. Which do you choose?
The second card is the obvious answer. The option to redeem with both airline and hotel partners makes the rewards you earn from it more useful, since they can meet a broader range of award travel needs. In short, the rewards earned by the second card are more valuable because they’re more flexible.
Transferable points programs expand on that premise by partnering with a variety of airline and hotel loyalty programs, giving you a diverse range of redemption options instead of just one.
Flexibility isn’t the only ingredient needed to add value, since making points transferable doesn’t necessarily mean transferring them is worthwhile. For example, you can transfer Hilton Honors points to more than two dozen airline partners, but in most cases the transfer ratio is a dismal 10:1 (i.e., 10,000 Hilton points becomes 1,000 airline miles).
That provides marginal value because it’s only useful in marginal situations, like if you urgently need a small number of miles to book a highly valuable award flight. While Hilton Honors points are technically “transferable,” their transferability doesn’t add much.
In contrast, the major transferable points programs generally offer neutral or favorable transfer ratios, as well as transfers that process quickly (or in many cases, instantly). That kind of flexibility adds more clear and consistent value.
2. Transferable points have greater upside
Suppose you’re booking a long weekend trip from Denver to San Francisco in the spring. You’ll be attending a wedding at the Hyatt Regency San Francisco and plan to pay out of pocket for your room there, but you have 60,000 United Airlines MileagePlus miles you can use to book your flight.
You want to arrive Thursday morning and return Sunday evening, so you search United’s website and find an itinerary that suits your needs for 32,200 miles and $11.20 in fees. You compare that with the cash price of $375.72 and calculate a redemption value of 1.13 cents per mile. That’s quite close to NerdWallet’s valuation of1.2 cents per mile, so you’re satisfied.
Now imagine that instead of United miles, you have a reserve of 60,000 Chase Ultimate Rewards points. Instead of being able to redeem them solely for United flights, you can transfer those points to 11 airlines and three hotels based on which one suits your needs and offers the best value.
For example, instead of booking with United, you could transfer points to Southwest Airlines and book a comparable (though not identical) itinerary for 27,577 points and $11.20 in fees, versus a cash price of $386.97.
Assuming you’re not bothered by the earlier outbound departure and you don’t have a strong preference for one airline, the ability to choose between them saves you about 4,600 points on your flight.
Alternatively, you could transfer points to Hyatt to book your stay at the Hyatt Regency San Francisco. The award cost is 17,000 points per night, totaling 51,000 points for your three-night visit.
Cash rates start at $323 per night, but the cheapest rates require advance purchase and are nonrefundable, while booking with points generally allows you to cancel with no penalty until two days before arrival.
A cash rate with a comparable cancellation policy totals $1,386.22 after taxes and fees, which yields a redemption value of over 2.7 cents per point (more than double what you’d get by redeeming for the United flights above).
This is just one example about a set itinerary, but it illustrates how the versatility of transferable points provides an upside when you’re not locked into specific travel providers.
Having more redemption options yields more opportunities to use points efficiently, which in turn raises the expected value of each redemption.
3. Transferable points have more favorable expiration policies
Many loyalty programs have expiration policies that can cause your rewards to vanish over time. While you’ll generally have 12 to 36 months to keep rewards active, some points and miles expire in as little as six months.
It’s easy to let rewards lapse and disappear in that timeframe if you’re not a frequent traveler and you don’t monitor your loyalty accounts vigilantly.
In contrast, transferable points generally don’t expire as long as your account remains open and in good standing. That means you won’t have to keep track of when you last logged activity in each loyalty program or take action to keep dormant rewards from expiring.
4. Transferable points offer lucrative transfer bonuses
Most transfers to airline and hotel partners are done at a 1:1 ratio, so transferring typically gets you the same number of rewards you put in.
For example, transferring 1,000 Chase Ultimate Rewards points to United Airlines gets you 1,000 United miles, or transferring 1,000 Citi ThankYou Rewards points to Wyndham Hotels gets you 1,000 Wyndham points. While exchange rates vary depending on the loyalty program and credit card you’re using, a 1:1 transfer ratio is the industry standard.
However, transferable points programs offer occasional transfer bonuses that boost the exchange rate, commonly by 20%-50%. Instead of the usual 1:1, every 1,000 points you transfer with a bonus could get you 1,200 to 1,500 points with the partner program (or in some cases, more).
These higher exchange rates can save you points when a transfer bonus aligns with your travel plans, since booking the trip you want requires fewer transferable points than it would normally.
Transfer bonuses also create opportunities to top up your loyalty account balances by sending points to the programs you use most (even if you don’t have immediate plans to redeem them).
5. Transferable points reduce the risk of devaluation
Loyalty programs change over time, and while they sometimes add features, lower award prices or introduce new redemption options that make rewards more valuable, the opposite is more common.
Devaluations are a regular occurrence among airline and hotel programs and sometimes take place with no warning. When your points or miles are suddenly in decline, you have little recourse.
Transferable points programs aren’t immune from devaluations; they add, remove and modify features just like airline and hotel programs.
However, transferable points are insulated from devaluation by the sheer number of available redemption options — when a single airline or hotel program devalues, other transfer partners are unaffected, so transferable points retain the bulk of their worth.
In short, earning transferable points is the award travel equivalent of diversifying investments: By having a share of many loyalty programs, you’re less affected by a downturn in one of them.
6. Transferable points offer alternative redemption options
Transfers to airline and hotel partners tend to be the most valuable use of rewards, but transferable points programs feature a variety of other ways to redeem them.
One is to book flights, hotels or other travel directly through the program’s travel portal, especially with programs that offer added value for travel portal redemptions. For example, Chase Sapphire Reserve® cardholders get 1.5 cents per point when redeeming through the Chase Ultimate Rewards travel portal.
Chase Sapphire Reserve®
NerdWallet Rating
Annual fee
$550
Some programs also offer added value when redeeming for cash equivalents like statement credits or gift cards. For example, the American Express Platinum Card for Schwab lets you redeem Membership Rewards points at 1.1 cents apiece for cash deposits to an eligible Charles Schwab account. Terms apply.
Even though cashing out yields a lower average return than transfers to travel partners, it’s nice to be given the option when you need it, as it’s one you generally don’t have with other points and miles programs.
Why you should be using transferable points
Among travel rewards, transferable points have the best chance to provide useful redemption options, yield a high return and retain their value over time.
That’s why they’re broadly prized above rewards from individual airline and hotel programs, and why earning them should be the focus of your award travel strategy.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
While a recession never materialized in 2023, it was still a tough year financially. Interest rates and costs continued to climb, leaving many consumers turning to their credit cards — and taking on more debt — to make ends meet. According to NerdWallet’s 2023 American Household Credit Card Debt Study, total credit card debt in U.S. households increased by 15.6% from 2022 to 2023. Here’s what we saw happen with credit cards last year:
The credit card industry took a cautious approach, pulling back on those targeted credit card offers you get in the mail or your email inbox, according to Competiscan, a company that tracks and analyzes direct marketing activity.
Consumers sought lower-interest loan products, opting for buy now, pay later plans and borrowing against their credit limits at lower rates. “What I like about that is it’s giving people more options on how to manage their money and what works best for them,” says Beth Robertson, managing director of Keynova Group, a financial services intelligence firm. “I think that will continue regardless of interest rate fluctuations.”
Credit card rewards remained important to consumers who were looking to get more value out of their purchases at a time when costs increased.
Here are some trends we may see in 2024.
1. Interest rates could go down
Interest rates have increased 11 times since the beginning of 2022. The average APR charged for credit card accounts that incurred interest peaked at 22.77% in the third quarter of 2023, according to the Federal Reserve (the average rate as of November 2023 went down just a smidgen to 22.75%). Because inflation is cooling off, the expectation is that the Fed will lower interest rates in 2024.
Regardless, credit cards charge higher interest rates compared with other types of loans. It’s worth considering ways to reduce spending on interest payments, such as using a balance transfer credit card or consolidating debt with a personal loan. Some cards allow you to borrow a portion of your credit limit at a low-interest rate. You can also call your credit card company to see whether you’d be eligible for a lower interest rate.
2. All eyes are on the Credit Card Competition Act
When you make a purchase with a credit card, a payment network like Visa or Mastercard serves as the intermediary between the merchant and the credit card company. For their services, these networks charge an interchange fee, a small percentage of the purchase price. If you use a card that runs on the Visa network — that is, a card that features the Visa logo — then, the merchant must go through Visa to process that transaction and pay whatever fee is charged. The same is true of Mastercard: Present a credit card bearing that logo, and the merchant must run the payment through Mastercard and pay that fee.
The Credit Card Competition Act is a bipartisan measure that would require large credit card-issuing banks to allow merchants more choice in which payment network can be used for processing transactions. The idea is that introducing competition might drive down some of those interchange fees, which many merchants consider excessive. Proponents say merchants may pass those lower costs to consumers, or reinvest in their businesses, leading to an improved customer experience.
Opponents of the proposal, however, point out that it doesn’t require merchants to lower their prices, so there’s nothing stopping business owners from simply pocketing those earnings. They also argue that if credit card issuers lose out on interchange fee revenue, they may diminish their rewards programs to make up for the shortfall.
But for now, at least, all of these possible outcomes are just theories. No one knows for sure what progress the bill could make this year, if any, or what exactly its consequences might be.
3. Rewards will continue to be reimagined
Earning cash back or travel rewards when you use your card for groceries, gas, restaurants and travel expenses is certainly nice, albeit a little unimaginative at this point. To attract and retain millennial and Generation Z consumers, credit card issuers are continuing to rethink rewards.
According to Jacqueline White — president of i2c Inc., a global provider of banking and payment solutions — more personalization helps younger consumers feel seen by the credit cards they carry. “It comes down to marketing specifically to you as an individual, knowing your age, stage of life, financial goals,” White says.
Matthew Goldman, founder of Totavi, a financial technology consulting firm, says that financial technology companies will continue to bring unusual credit cards to the market. “A lot have failed, but that won’t stop people from trying.”
Expect more cards that earn rewards in relatively new categories that appeal to the next generation, like electric vehicle charging, online shopping and rent payments. “The innovation is exciting, because a more personalized card for what you need is going to be a better card for you,” Goldman says.
4. Issuers want to keep cardholders close
One way card issuers are keeping their customers loyal is by welcoming them into a complete ecosystem, according to Jessica Duncan, assistant vice president of research and insights at Competiscan. Travel rewards cards do this by encouraging cardholders to use brand-specific portals to book upcoming trips, as opposed to booking directly with airlines and hotels. Duncan says you also see this with credit-building cards that require users to open a bank account within the same institution to fund the card’s credit limit.
Short-term promotions that allow cardholders to earn more rewards are another way to keep card use higher, Robertson says. For example, there was a recent limited-time promotion for select Chase cards that offered a statement credit if you used your card to pay for certain bills, including utilities, internet, transit or gym memberships.
5. Magnetic stripes are going extinct
Beginning this year, newly issued Mastercard credit and debit cards will no longer be required to include a magnetic stripe, with a plan to completely phase them out by 2033. With so much valuable real estate getting freed up on the backs of cards, their designs could look quite different.
Meg Cipperly, vice president of client services at Competiscan, says this could pave the way for additional cards with vertical designs, which are more in line with how people hold their cards when inserting them into chip readers.
Thankfully, wallets with vertical card slots already exist.
Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:
Get answers to common questions that will allow you to maximize your credit card rewards points and avoid common point planning pitfalls with our Nerdy expert tips.
How can you travel more while spending less? How could changes in airline loyalty programs affect your travel plans? What are the benefits of co-branded airline or hotel credit cards versus flexible rewards cards? NerdWallet’s Sean Pyles and Erin Hurd dive deep into credit card rewards points, addressing a range of topics that will resonate with anyone eager to maximize their credit card points and travel perks. They discuss recent changes in airline loyalty programs, including Delta and Alaska Airlines, and explore the advantages and drawbacks of co-branded airline or hotel credit cards and the benefits of using flexible rewards cards.
They also present strategies for maximizing credit card sign-up bonuses while avoiding common mistakes that can lead to fewer rewards, and offer tips for how you can track and manage credit card points and perks. Sean and Erin also explain the pitfalls of carrying a balance on travel credit cards, the implications of credit card fees and surcharges at local stores, potential industry changes, such as interest rates and fee structures, and the potential impact of the Credit Card Competition Act on rewards programs.
Check out this episode on your favorite podcast platform, including:
NerdWallet stories related to this episode:
Episode transcript
This transcript was generated from podcast audio by an AI tool.
Sean Pyles:
Airline points, restaurant points, retail points, rental car points, hotel points, points, points, points, points, points. Wrap them all up in credit cards and sometimes it can be head spinning.
Erin Hurd:
My guidance is generally pretty similar for most people, even if they have pretty different travel goals, and that all really goes back to the idea of just earning flexible points. If you have a stash of flexible points that aren’t locked into any one travel brand, you have a lot of options.
Sean Pyles:
Welcome to NerdWallet’s Smart Money Podcast. I’m Sean Pyles.
Erin Hurd:
And I’m Erin Hurd.
Sean Pyles:
This is the final episode of our nerdy deep dive into your money in 2024. Erin, we’re almost a month in, so how is your 2024 going so far?
Erin Hurd:
So far, so good. I can’t believe we’re already into 2024, but all is going well.
Sean Pyles:
Love to hear it.
Erin Hurd:
How about you, Sean?
Sean Pyles:
It’s been alright so far. I’m just glad the days are getting longer at this point, however slowly. So, Erin, we’ve brought you back onto the show because you are a nerdy points pro. How did you come to be so interested in credit card points programs and do you have a degree in complex mathematical equations? Because sometimes it seems like you need one to figure out how to use all of these.
Erin Hurd:
That sounds like it could be true, but actually it’s quite the opposite. I majored in English and math was always my least favorite subject. I’ve always been a deal seeker. I’m always looking for sales, I’m finding coupons, I’m figuring out how to get more, but how to pay less for it. So my husband and I have always loved to travel and I started dabbling in points and miles many years ago to help defray our travel costs so that we could travel more. But I really fell down the rabbit hole with the points and miles when we grew our family, and now we needed four seats on the airplane and in some circumstances, we need two hotel rooms for our family of four. So that’s when I really got serious about earning enough points and miles so that our family could travel more than just to the local campground, because that’s all that I would be willing to pay for.
Sean Pyles:
Yeah. And when you’re wrangling kids, I’m sure you don’t want to spend time doing math, but the good news is nobody needs a math degree because all they have to do is go to the NerdWallet site, poke around with our very handy calculators, and all will be revealed. But let’s give everyone a rundown of things they might want to think about when managing their credit card points. Now, would you say that the start of a new year is a good time for listeners to take stock of where they are with their points programs? Or is that something they should be monitoring all year round?
Erin Hurd:
Great question. Well, in a perfect world, ideally you do want to be giving your points some attention more than once a year, especially if you’re trying to save them up to take a big trip, because the amount of points that you’ll need for that trip can fluctuate. Often it requires more than you think that you’ll need and it can take time to earn those points and then to find great redemptions for them. But don’t fear, it’s never too late, so the new year is a fantastic time to check in if you haven’t been already.
Sean Pyles:
Well, we are going to give everyone a head start by taking a look at what we can expect from 2024 in Point Land. But before we get started, a reminder that we always want to hear what you think, too, listeners. To share your ideas, questions, concerns around credit card points, or anything else, leave us a voicemail or text the Nerd hotline at (901) 730-6373. That’s (901) 730-NERD, or email a voice memo to [email protected]. Stay with us. We’re back in a moment with the future year in credit card points.
So Erin, let’s start with a look back at last year in Point Land and see if there are some lessons that we can learn from 2023 to take into this year. And before we get too deep into the conversation, I want to flag that we are going to mention some companies that are NerdWallet partners, but that does not influence the way that we talk about them. So, Erin, in this conversation, we’re mostly going to focus on maximizing credit card points, but I want to briefly touch on the fact that at least two of the major airlines, Delta and Alaska, changed their point reward systems toward the end of last year. What did that mean for flyers and were there any kind of bigger messages about point systems that came out of that?
Erin Hurd:
Yeah, those were big headlines in the travel world. Now, they were pretty different in scope. Delta changed the requirements to earn elite status in future years, this won’t actually take effect just yet, but they also put limits on some of the benefits that credit card holders can use, like airport lounge access.
Now Alaska, on the other hand, made big changes to its award chart and an award chart is what determines the number of miles you’ll need to pay for a ticket. But these are both examples of a bigger takeaway that we see over and over again, and that is that you should never have all your proverbial eggs or points in one basket. So what I mean by that is that even if you fly a certain airline often because that’s what serves your home airport, having only a credit card that earns points or miles for that one brand really limits your options. The truth is that, unfortunately, travel loyalty programs change or get devalued relatively often and sometimes with little to no notice. So that means if you’ve racked up a nice chunk of say, Alaska miles for an upcoming trip, but they suddenly change their award chart, as they just did, and decide that the flight you want to book will now cost double the miles, you’re pretty hamstrung if all you’ve got is a chunk of Alaska miles.
Sean Pyles:
Yeah, having multiple different cards from different brands is a way of having credit card dollar cost averaging in a way, where you’re spreading your risk across different kinds of products. So, that is one way to offset the ups and downs of what these companies are doing. But I can see these changes making some folks wary of using these cards that are co-branded with an airline or hotel. Do you still think they’re worthwhile given recent changes?
Erin Hurd:
I do. For travelers, carrying a co-branded airline or hotel credit card, it can be really beneficial for certain perks. Some of the airline cards, for example, will give you free checked bags for you and sometimes, depending on the card, up to eight traveling companions every time you fly. So, that can add up to a huge value if you’re flying relatively often, even if you’re flying a couple times a year and you’re checking a bag, that can make it worth it. And especially because you’ll earn, generally, a welcome bonus when you open up the card.
But I advise leaning more on what we call flexible rewards credit cards, and they can give you a lot more options for your travel, plus they often earn more rewards on everyday purchases.
Sean Pyles:
Can you tell us what you mean by flexible points? How do they work and how do you earn them?
Erin Hurd:
Oh, sure. As the term suggests, they are flexible. So, there’s a number of credit cards that have their own travel points. Instead of earning Delta miles or Alaska miles or Marriott points, for example, there are several Chase cards that earn points called Ultimate Rewards. There are many different American Express cards that earn something called Membership Rewards. There’s City Thank You points, ect. And the beauty of these flexible points is that they can be used to book all kinds of travel, not just a Delta flight or not just an Alaska flight.
So generally, these credit card issuers have their own travel portal and you can book your travel there and pay directly with your points and you don’t have to involve any cash. And many of these programs also allow you to transfer those points to certain airline and hotel travel partners, usually at a one-to-one ratio, which is great because often you can get more value from your points when you transfer them to the airline or the hotel and book directly. But really, the biggest benefit is just having so much more flexibility. So instead of being locked into a Delta flight, like you probably would be if you only had a Delta miles earning credit card, flexible points just give you lots of options.
Sean Pyles:
Okay. Well let’s get to cards. First, anything from last year stand out to you? Any program changes you saw that were worth paying attention to or new ways to use them?
Erin Hurd:
Yeah. Well, the good news is that we’re still seeing some pretty juicy bonuses offered for new card holders who sign up for a card and meet certain spending requirements in the first few months. And we’re excited that those seem to be sticking around. Years ago, it used to be that a credit card welcome bonus of around 30,000 or 40,000 points was really generous, but over time those numbers have crept up and up, and it became not uncommon to see bonuses of 60,000 points or 80,000 points or even 100,000 points offered to new cardholders.
Now, that trend continued throughout COVID, even when people weren’t traveling as much, the banks kept offering big bonuses to keep travel credit cards interesting. And we’ve been wondering, all this time, if we’d start to see the bonuses start to shrink back down as people return to travel, as inflation and recession fears crept in. But the good news is we have not seen that happen so far. Right now, there are several six figure welcome bonuses out there for various travel credit cards and welcome bonuses are an important part of the travel credit card strategy for a lot of people.
Now, I don’t open credit cards just for the welcome bonus. I don’t advise doing that, but I also know that I’ll earn more rewards from that bonus than I probably will from a year or more of regular spending on that card. So it’s definitely a factor.
Sean Pyles:
Yeah. And these signup bonuses are often folks’ best chance at getting a huge amount of points since points can take a long time to accrue through daily purchases alone. And we’ve also seen new ways to use rewards, right? What’s the latest on that front?
Erin Hurd:
As far as new ways to use rewards, we’ve seen a steady stream of options evolving to use your points to pay for merchandise at various stores. At Amazon, for example, when you check out, you may have noticed you have the option to pay using several different kinds of points, credit card points. It makes it really easy and it can feel like you’re getting stuff for free if you’re using points instead of actually charging your card or paying cash. But really be careful because the downside is that you’re often getting poor value for your points when you use them this way. You’re paying for convenience and they’re betting on people not really understanding or questioning the value of the points.
So for example, if you use Chase Ultimate Rewards at Amazon to check out, they’re worth 0.8 cents each, but those same points can be worth up to 1.5 cents each when you use them to book travel through Chase, depending on which card you have, or often even more than 1.5 cents each if you transfer them to travel partners.
Sean Pyles:
Wow, that breakdown is really eye opening. I’ve seen that at Amazon checkout and I’ve been a little tempted to use my points in that context, but after that, I definitely won’t be doing so. So, thank you for that. So Erin, I think one of the most common questions people have is how to know which card and point program is not only best in class, but best for them and their specific situation. So, if you’re looking to maximize points, how do you figure out which card to get in the first place?
Erin Hurd:
Yeah, it’s a great question and there are so many options, and I know it can be really overwhelming for people who aren’t immersed in credit cards all day long like we are here at NerdWallet. And it may seem like there are many different factors, maybe you think it’s going to be different if you want to use points for travel, which airlines are most convenient for you? What style of travel do you enjoy? What kind of trips are you planning for? But really my guidance is generally pretty similar for most people, even if they have pretty different travel goals. And that all really goes back to the idea of just earning flexible points. If you have a stash of flexible points that aren’t locked into any one travel brand, you have a lot of options.
So I also encourage people who really want to get the most from their points to not get scared off by credit card annual fees. I know it can seem silly to pay a fee just to have a card, I hear resistance from people, and I get it, but the rewards and the perks that you get from the cards that charge annual fees often far outweigh the fee itself. In a lot of cases, you get what you pay for, and yes, there are lots of excellent no-fee cards out there, but if you really want to up your points game and take it to the next level, it’s really worth considering the more premium cards that do charge a fee.
Sean Pyles:
Yeah, I, for a long time, was really opposed to annual fees on credit cards because I just didn’t want to pay for access to a credit card and the fee-free option seemed to be sufficient for me. But I recently actually acquired a travel credit card that does have an annual fee because I looked at all of the perks that it was going to offer me and then compared that to how much the card costs on an annual basis. And the perks, by far, outweighed the cost. So you’re really getting something that’s worth more than you’re paying an annual fee if you make it worth it. You do have to do a bit of work to make sure you’re taking advantage of all of the benefits that these cards offer you.
Erin Hurd:
That’s right.
Sean Pyles:
So Erin, since you are deep in the points world, I would love to hear how you have approached this thought process in the past. Are you the type to be selective with cards in your wallet, or do you have a small collection of cards at your disposal?
Erin Hurd:
Well, both. So personally, I am selective, but I have also collected a pretty large portfolio of cards over time. Our family does travel a lot, and so we make pretty full use of the credits and the perks that the cards give us, but I also reevaluate each and every year to make sure every card still makes sense for me and for our family. And I really recommend that people go slowly and have a strategy. It’s really easy to get excited by the big welcome bonuses and people can be tempted to open lots of cards all at once, but please just slow down. Be aware that each credit card issuer has their own set of guardrails. They won’t extend excessive amounts of credit to any one person, and they want to make sure that you’re going to be a good long-term customer.
One issuer, for example, won’t approve you for a new credit card if you’ve opened more than five cards across any card issuer in the past 24 months. So I really like to hammer home that this is a long-term game and it pays to have a strategy. Don’t just go opening cards willy-nilly without a plan.
Sean Pyles:
And then with the cards that you use, how do you keep track of the points and perks that you have and the fees associated with them? Do you have a spreadsheet? Are you using a notebook? What’s your process for that?
Erin Hurd:
Yeah, I have a simple spreadsheet. As a credit cards Nerd, I’m also pretty engrossed in it all day long. NerdWallet has a lot of resources to keep everyone up to date, we cover all the news. So you can always check NerdWallet, but I recommend just a simple spreadsheet, taking note of what cards you have, when you opened it, what signup bonus you earned when, and then just what categories that bonus is on.
So another tip is to make sure you can meet the minimum spending requirements when you do open a new credit card. In order to earn the bonus, you’ll typically need to spend anywhere between $1,000 and $5,000 or even more on that card in the first three to six months. Make sure you have a plan to meet those spending requirements without spending any more money than you intend to or would otherwise.
Sean Pyles:
Yeah, and one big thing to watch out for is bonus categories. You can look for specific spending areas, say travel or groceries or gas, and get more points for those than for other purchases. Walk us through how to make sure we’re using each card in the most efficient way to rack up those points and rewards.
Erin Hurd:
Yeah, that’s a great point. And honestly, that’s another reason why many brand-specific cards, like a Delta card, probably won’t be your best bet because they tend to offer only 1x rewards on most everyday spending categories, except purchases on their brand. So if you really want to ramp up your points earning, don’t just blindly use one card for every purchase. I like carrying a few cards that can work together to earn the most rewards across many different categories. So you could use one card for groceries, but have a different card for restaurants.
Now, the good news is many of the major credit card issuers offer several cards that have synergy. They all earn the same bucket of flexible points for you, but one card is better for some categories and another is better for different kinds of purchases. Now, in the show notes, we’ll include our articles about some three-card combos you can have that can really help you ramp up your rewards.
But I know there’s a lot of people out there who don’t want to futz with having a lot of cards, and that is completely fine, but I would ask you to at least consider two cards. That way, if the largest spending in your budget is on grocery stores, say, you could choose a card that earns good bonus rewards at grocery stores, and then you could use another card that earns a flat 2% on all other purchases, and you’ll be good to go.
Sean Pyles:
When you’re thinking of which card to use or which card to take out, it really helps to know yourself and where you’re spending the most amount of money. So the card is helping you earn points on those categories that you’re spending on.
Erin Hurd:
That’s right.
Sean Pyles:
So Erin, what are some common mistakes that people make when trying to maximize their points? Can you run down a few of those for us?
Erin Hurd:
Absolutely. I think one of the problems I see a lot are that people don’t really understand the value of their points. And please do not feel badly if this is you, because it is a pretty complex scenario. Not all points are created equal.
The good news is NerdWallet has a full breakdown of baseline values for your points, and it shows you how you should expect to redeem them. Consult that guide before you redeem your points and it’ll help give you a gut check to see, is this a good use of my points or is this a poor value? I think it helps to think of points like a currency, right? So there are many different kinds of points and they all do have some kind of value, and that value is equivalent to an amount of money. And once you start thinking of them like a currency, and not just something that you get for free, you’ll be apt to spend them more wisely.
Sean Pyles:
And we should also mention that carrying a balance on a credit card that offers points, especially travel credit cards, can be a really costly mistake. Credit card interest rates are really high right now, and paying interest on your balance can negate any benefit that you get from the points that you earn.
Erin Hurd:
Yes, that is the number one rule in this game. The interest that you’ll pay on balances that aren’t paid in full every month will far outweigh the rewards that you’ll earn. Now, if you need a breather on interest, there are many cards on the market that offer a 0% intro APR period, and they also earn rewards. Another reminder is that it also rarely makes sense to pay more in order to use your credit cards. Like sometimes at local stores or restaurants, you may have to pay a surcharge in order to use that credit card, and the reality is that that surcharge that you’ll pay usually outweighs the reward that you’ll earn.
Sean Pyles:
That’s a great point and something that I am guilty of, because I just want the convenience of using my credit card and getting those points. But like you said, it negates the point of doing that in the first place. So, I’m taking that with me into 2024.
So Erin, if you could look into your plastic credit card crystal ball, is there anything you think is worth watching for this year in particular besides possible changes in interest rates?
Erin Hurd:
Yeah, we’ve seen several cards raise their annual fees, creep up the fees in exchange for adding more perks and benefits to the cards. And I think that’s a trend we could see continue. But just be careful because oftentimes these perks require some hoops. For instance, some offer credits towards certain purchases, but those credits are doled out monthly or quarterly, and they’re use it or lose it in that short timeframe. So just make sure you’re taking a look at the value you personally receive from a card each year when it’s up for renewal and not just its potential value on paper. If you are not using the perks, then it may not make sense for you any longer, even if it still makes sense for others.
Sean Pyles:
Erin, I also want to ask you about the Credit Card Competition Act, which has been making headlines for over a year at this point, but it seems like we might finally see some movement on this legislation that could change how we use points. Can you give us a rundown on that and what it might mean for point fanatics?
Erin Hurd:
Yeah. So, the Credit Card Competition Act is definitely something we’re keeping close tabs on here at NerdWallet. For those who aren’t familiar, this is proposed legislation that could really affect the rewards you earn from your credit cards.
See, merchants pay transaction fees as a cost of doing business for accepting credit cards. They’re called interchange fees, and this is where a lot of the money comes from that fund the credit card rewards. So if credit card issuers get less money from these fees, they may be forced to cut back on the rewards that they offer to consumers. So, we could be having a pretty different conversation about credit cards this time next year if it passes.
Sean Pyles:
We will all be keeping close eyes on this, and folks listening, we’ll let you know what happens as there’s any updates on this. Well, Erin Hurd, thank you so much for joining us and getting to the point.
Erin Hurd:
Thanks, Sean. And that’s all we have for this episode. Do you have a money question of your own? Turn to the Nerds and call or text us your questions at (901) 730-6373, that’s (901) 730-NERD. You can also email us at [email protected] and also visit nerdwallet.com/podcast for more info in this episode. And remember to follow, rate, and review us wherever you’re getting this podcast.
Sean Pyles:
This episode was produced by Tess Vigeland and Erin. I helped with editing. Kenley Young helped with fact checking. Kaely Monaghan mixed our audio. And a big thank you to NerdWallet’s editors for all their help.
Erin Hurd:
And here’s our brief disclaimer. We are not financial or investment advisors. This nerdy info is provided for general education and entertainment purposes and may not apply to your specific circumstances.
Sean Pyles:
And with that said, until next time, turn to the Nerds.
Inside: Are you looking to maximize your rewards and credit card hacks? This guide will teach you the most effective methods for using your hacking, signing up for bonus rewards, and making efficient card purchases.
Credit card use extends beyond just making purchases. Savvy credit card users understand that with the right set of hacks and optimal usage, there’s a world of rewards that are ripe for the picking.
Money saved can be money earned, and this simple philosophy forms the cornerstone of these 25 credit card hacks you’ll be learning about today.
Why do credit card hacks matter? Well, I just received a $700 check for credit card rewards. That is enough to pay for a weekend trip away.
What are Credit Card Hacks?
Credit card hacks are creative strategies employed by credit card users to maximize the benefits and rewards offered by their credit cards while also potentially saving more money.
This trend has become more popular in recent years due to the rise in premium travel and cashback cards that offer lucrative ongoing rewards programs. Users who learn about these hacks can save you money on travel or just put cold hard cash back in your wallet.
With strategic approaches, these hacks provide an avenue to optimize rewards and navigate the financial landscape more effectively.
Proven Credit Card Hacks to Maximize Rewards
Tip #1 – Utilize sign-up bonuses
One of the most attractive features of credit cards is the sign-up bonuses they offer, which are essentially rewards that cardholders can earn after meeting a certain spending threshold within a specified timeframe. The bonuses can range from hundreds to even thousands of points, miles, or cash – favorably impacting your rewards balance.
To illustrate, if you take the Chase Sapphire Preferred® credit card, both partners in a household can get up to 50,000 extra points each as part of the sign-up bonus.
Bonus tip: Stagger your applications, so once one person gets the bonus after meeting the spending requirement, the other person can then apply and achieve the next round of bonuses.
Tip #2 – Increase credit limit
The principle behind this is simply buffering your “credit utilization ratio”, which is how much of your total available credit you are utilizing.
To illustrate how a credit limit increase will work, let’s consider an example: with a credit limit of $10,000 and a credit usage of $3,000, your utilization ratio stands at 30%. But once your credit limit increases to $15,000 with the same credit usage, your utilization ratio drops to 20% – which is a noticeable improvement.
Remember, when requesting a credit limit increase, some card issuers might execute a hard inquiry on your credit report, which could temporarily decrease your score. Hence, you should try to find out beforehand whether your issuer is likely to perform a hard or soft credit pull. Soft inquiries won’t affect your credit score, making them the preferable approach.
Tip #3 – Master balance transfers
A balance transfer, executed proficiently, can be an effective way to handle significant credit card debt. By focusing on reducing the cost of debt through lower interest rates, balance transfer can accelerate your debt repayment process while saving you considerable money over time.
This is what one of my clients did and the date when the 0% interest ended was very motivating to pay off their debt.
This process entails the shuffling of debt from one card (usually one with a high interest rate) to another card—preferably with a 0% promotional APR offer. With this interest-free period, you can focus on repaying the principal balance, hence clearing your debt faster.
As a finance expert, make sure balance transfers are only beneficial if you’re mindful of the terms, like how long your 0% rate will last and what fees are involved in the transfer to the new card.
Tip #4 – Purchase prepaid cards with credit
Need a way to spend a certain dollar amount by a certain deadline? Then, look at purchasing prepaid cards with a credit card as a strategy to earn extra rewards points. This method entails buying prepaid cards or gift cards using your credit card, and later using these prepaid cards to cover those expenses you typically will use.
In other cases, customers have reported that their credit card companies have clawed back rewards points that were initially given for gift card purchases. Double check their terms and conditions, many issuers, including American Express, explicitly exclude such transactions from earning rewards. 1
Tip #5 – Harnessing the 15/3 Methodology
The 15/3 Methodology is a credit card hack that intends to optimize your credit utilization ratio—one of the significant factors that impact your credit score.
Here’s how it works: You pay off a majority of your card’s balance 15 days before your statement date, and then pay off the remaining balance three days before the statement date. By doing this, you create the illusion of a lower balance, which can positively impact your credit score.
There is still a debate about whether or not this strategy improves your credit card score. Paying your bill on time will definitely improve your score.
Tip #6 – Strategies to earn additional rewards through third-party programs
An often overlooked but highly effective credit card hack is utilizing third-party apps and websites that offer additional rewards when you shop at participating retailers and restaurants. These rewards are additional to the cash back, miles, or points awarded by your credit card.
One such app is Dosh, a cashback app. By linking your credit card to your Dosh account, you can earn up to 10% cash back from participating retailers on top of the rewards earned from your credit card. Similarly, apps like Drop and Bumped give users points for every dollar spent, and these points can be redeemed for gift cards.
Furthermore, many airlines and hotels participate in dining rewards programs where you’ll earn extra rewards at select restaurants. Airlines like United, Southwest, Delta, and hospitality giant companies like Marriott and Hilton actively participate in such programs.
Tip #7 – Earn a credit card sign-up bonus then canceling the card right away
Also known as credit card flipping or churning, the tactic of earning a credit card sign-up bonus and then canceling the card right away has been employed by some savvy credit card users to maximize rewards.
However, this practice isn’t as easy or beneficial as it appears. While it sounds like an accessible system to generate easy money, it comes with several potential pitfalls that could make it a risky move.
Firstly, numerous card issuers have, over the years, implemented stricter rules to deter this practice. Chase, for instance, has the 5/24 rule indicating you can have only five new credit cards within the last 24 months. 2
Repeatedly opening and closing the same card can result in a declined application or rescinded bonus and hurt your credit score-perceived as credit misbehavior by the issuer.
It can also be viewed as unethical and potentially lead to you being barred from opening accounts with that issuer in the future.
Churning can negatively affect your ability to get approved for future credit cards and loans because lenders may think you’re a risky borrower.”
Tip #8 – Develop a multi-card system
This method aims to cover all your spending by using different cards that offer elevated rewards for certain purchase categories.
For instance, we have one card that pays an unlimited flat rate of 2% on all purchases. Then, another rewards card offering increased category rewards, with travel and gas. Then a there card that rotates through various categories each quarter.
Diversifying your spending amongst several credit cards can help you to earn the maximum possible rewards. However, endowing yourself with several credit cards is not for everyone as it requires careful financial management. In some cases, the potential of overspending can outweigh the benefits.
Tip #9 – Transfer points between multiple cards
Transferring points between cards (provided they are from the same issuer) is another useful strategy whereby you can redeem them at their maximum possible value.
The goal is to make your spending work for you and maximize the rewards you can earn from daily expenses. However, people should employ this strategy responsibly and ensure they’re not overspending just to earn rewards.
In such a strategy, points on traditional cashback cards can be transferred to airline and hotel partners when you also have a transferable points card like the Sapphire Reserve or Sapphire Preferred. So, not only are you earning cashback on your purchases, but you’re also accumulating lucrative points that can be redeemed for travel.
Tip #10 – Don’t use cash
In the world of credit card rewards, cash is no longer king. Whenever feasible, you should consider using your credit cards instead of cash or debit to pay for everyday purchases. This allows you to earn rewards on purchases you’re making anyway.
The best way to implement this is for you to bills with their credit cards instead of cash or debit and set this up on autopay. This serves a dual purpose of potentially earning rewards on these payments whilst also conveying a positive message to the banks about your money management skills, leading to possible credit score improvements.
However, this method works best when your spending doesn’t increase as a result. Only use your credit card for expenses that you’d normally pay in cash and for which you already have the money set aside to pay.
Tip #11: Time your purchasing
Being strategic about when you make your credit card purchases can help you wring out some extra benefits.
One way to optimize your earning potential and maintain a healthy credit score is to plan your large purchases around your credit card’s billing cycle. Making your most significant purchases immediately after your statement date ensures that you have the longest possible repayment period, effectively offering you a short-term, interest-free loan.
Furthermore, if your issuer has a rewards cut-off at the end of a calendar year, you can make larger purchases ahead of time to push yourself into a higher rewards bracket.
Tip #12 – Make Micropayments
Rather than making one full payment, consider making multiple payments over the billing cycle, commonly referred to as ‘micropayments.’ This helps keep your running balance low and, in turn, your credit utilization ratio – the percentage of your available credit limit you’re using – also low, positively impacting your credit score.
Plus it helps to keep your checking account at a more accurate level.
Tip #13: Have your spouse apply for the same credit card
Known informally as the “two-player mode” amongst credit card hacking enthusiasts, having your spouse or partner apply for the same credit card can be an effective strategy to earn double the sign-up bonus. This approach is based on the idea that instead of just adding your spouse or partner as an authorized user to your card, they should apply separately.
For instance, if a card like the Chase Sapphire Preferred® offers a 50,000 points bonus on sign-up, both partners can potentially earn up to 100,000 points collectively, essentially doubling the bonus.
But remember, this hack should be used strategically – you should stagger your card applications and ensure each of you fulfills the spending criteria to qualify for the bonus.
Tip #14 – Importance of prompt payment
Quite possibly the hack with the most significant impact on both your credit score and your pocket, prompt payment of your credit card bill cannot be overstated.
Making on-time payments can drastically improve your credit score since your payment history is the most heavily-weighted factor that credit scoring models consider.
Plus paying your balance in full each month can help you avoid interest charges and penalties, effectively saving you money in the long run.
Tip #15 – Know What Rewards you Want
Rewards such as travel miles, discounts at partnered retailers, cashback, or access to premium experiences like airport lounges or concert tickets are available, depending on your card.
By understanding and leveraging these varied rewards, you can get the most excellent value out of your credit card expenses.
Cautionary Advice on Credit Card Hacks
While credit card hacks can undoubtedly offer substantial benefits when done right, pitfalls can ensue if one isn’t careful.
Pitfall #1 – Overspending
For starters, these hacks can inadvertently lead to overspending or unnecessary purchases. Be wary of making purchases you don’t need or can’t afford in an attempt to earn more rewards or meet the spend necessary for a sign-up bonus.
Consequently, the pursuit of credit card rewards could also lead to accumulated debt if you’re not diligent about paying off your balance in full each month. The interest that you need to pay on balances carried over can easily eat up the value of any rewards earned.
Pitfall #2 – Impact on your Credit Score
Applying for multiple cards can lead to hard inquiries on your credit report, which can temporarily lower your credit score. Similarly, canceling cards after acquiring the sign-up bonus could harm your credit utilization ratio and your length of credit history, both key factors in your credit score calculation.
Additionally, irresponsible habits like ‘credit card churning’ and ‘paying for everything with credit’ may risk your relationship with card issuers. Some companies might close accounts or even ban individuals from opening new ones if they’re perceived as abusing the system.
While some of the top-tier reward and travel credit cards often come with hefty annual fees, not all of them are worth paying. This is especially true when a card’s annual fees outstrip the value of the rewards earned.
Before you sign up for a credit card with an annual fee, it’s advised to read the fine print and estimate what you can earn from it. You should evaluate whether the perks, bonuses, rewards, and credits offered offset the annual fee cost.
Personally, I don’t use any cards that have an annual fee.
Pitfall #4 – Paying interest
Credit card interest can significantly impact your overall financial health if you’re not careful. The money invested toward paying it off could be better used elsewhere – for saving, investing, or spending on your needs and desires. Hence, one of the best “credit card hacks” out there is to simply stop paying interest.
You want to focus on debt free living.
Pitfall #5 – Avoiding counterproductive habits like “balance surfing”
Balance surfing is a strategy where you continually move credit card debt from one card with an ending 0% APR promotion to another card with a new 0% APR offer. While this approach can potentially delay interest payments, it can become a dangerous cycle if you find yourself simply transferring debt instead of reducing it.
Meanwhile, the total debt remains the same. Without a consistent debt repayment strategy, this method can lead to an endless cycle of balance surfing.
What are some of the best credit card rewards and hacks for 2024?
As we venture into the new year, some credit card reward strategies remain timeless while others evolve in response to new credit card offers and updated reward programs. In 2024, here are some of the best credit card hacks worth considering:
Take Advantage of Updated Card Offers: Credit card issuers frequently update their card offers and rewards programs. Ensure you stay updated on these changes to maximize your card benefits.
Focus on Cards with Flexible Reward Categories: Some cards, like the Bank of America® Customized Cash Rewards credit card, allow you to choose your highest cash-back category (like online shopping, dining, or grocery stores). These flexible category cards can be more advantageous as you can adapt them to your spending habits.
Leverage Rotating Categories: Cards like the Chase Freedom Flex℠ and Discover it® Cash Back offer 5% cash back on up to $1,500 in purchases in various categories that rotate each quarter, once you activate. Plan your spending in advance to leverage these rotating categories optimally.
Remain Alert on Loyalty Program Partnerships: Many credit cards and airlines have partnerships with other brands. This can mean increased rewards when shopping with those brands, so always watch for new partnerships or promotions.
Revisiting Annual Fees: If your credit card perks no longer justify its annual fee due to changes in lifestyle or spending habits, consider downgrading to a no-fee card from the same issuer. This way, you can save on annual fees without closing your account which could potentially harm your credit score.
Diversify Your Rewards: While it may be tempting to concentrate all your spending on a single card, diversifying your rewards can make you earn more. Consider employing a multi-card system to maximize rewards across different spending categories.
Your credit card should be a tool to enhance your financial flexibility, not a burden that leads to financial stress.
Frequently Asked Questions (FAQs)
Deciding whether to focus on paying off a single card or distributing payments over several cards can seem complicated, but there are a couple of methodologies to strategize your payoff.
The Debt Avalanche method suggests focusing on the card with the highest interest rate first. Once you’ve paid this card off in its entirety, you then move on to the card with the next highest interest rate. This can potentially save you more money in the long term as it targets high-interest debt first.
Alternatively, the Debt Snowball method, proposed by financial guru Dave Ramsey, recommends paying off the card with the smallest balance first, then moving on to the card with the second-smallest balance. While you may not save as much money in interest compared to the debt avalanche method, the psychological motivation of paying off a credit card balance entirely may be more important for maintaining consistent repayment.
Either method requires you to make minimum payments promptly on all cards to avoid late fees and possible credit score damage.
Getting credit card points without spending any additional money may seem like wishful thinking, but there are certain strategies that you can employ to achieve this. Strategically managing your credit cards can turn your everyday spending into reward points, miles, or cash back.
Referral Bonuses: Many credit card companies offer referral bonuses to their existing cardholders who refer friends or family members. If the person you referred gets approved for the card, you can earn bonus points.
Cardholder Perks: Credit card companies often run promotions offering bonus points for certain activities. These can range from enrolling in paperless billing, adding authorized users to your account, or completing an online financial education course. Check with your card issuer to view any current promotions.
Shopping Portals: Many credit card issuers, and even airline and hotel rewards programs, have their own online shopping portals where you can earn additional bonus points for every dollar spent. If you were already planning on making an online purchase, consider making it through these portals to earn extra rewards.
Sign-up Bonuses: Some cards offer sizeable sign-up bonuses for new cardholders who meet a required minimum spend within the first few months. Although this technically requires spending money, it doesn’t require spending more money if you use your card for purchases you were already planning to make.
While implementing certain credit card strategies can potentially earn you higher rewards or save money, they can also unintentionally harm your credit score if not executed responsibly.
Several factors can contribute to this potential downfall:
Opening and Closing Accounts: A high frequency of card applications can lead to multiple hard inquiries on your credit report, which might lower your score in the short term. Closing credit cards, especially older ones, can affect both your credit utilization ratio and the age of your credit history, two significant factors in your credit score calculation.
Carrying a Balance: Maintaining a high credit utilization ratio—i.e., carrying a large balance relative to your credit limit—can negatively impact your credit score.
Late Payments: If these deadlines are not strictly adhered to, they could result in late payments, which can seriously harm your credit score.
Excessive Spending: Some tactics lead to unnecessary spending to earn more reward points or meet an initial spend required for a sign-up bonus. Not only can this increase your credit utilization ratio and potentially lower your credit score, it can lead to debt if these balances are not paid off in time.
While both rewards cards and travel rewards cards offer perks to their users in return for spending, the primary difference lies in the kind of rewards they offer and their target user base.
A Rewards Card generally offers cash back, points, or miles for every dollar spent, redeemable in a variety of ways. This is the type of card I prefer. For example, you may redeem your accumulated rewards as cash back into your account, use them to purchase products or services, or exchange them for gift cards. The flexibility of rewards makes these cards are suitable for people with varied spending habits and prefer a variety of redemption options.
A Travel Rewards Card, on the other hand, is designed specifically for frequent travelers. These cards earn you points or miles on specific travel-related expenses, like booking flights or hotel stays. The redeemed rewards are typically used towards further travel-related expenses like airfare, hotel stays, or car rentals. Travel Rewards Cards often offer additional travel-centric perks like free checked bags, priority boarding, airport lounge access, and more.
Consider your spending habits, lifestyle, travel frequency, and preference in terms of reward redemption.
Protecting yourself from credit card fraud is an important aspect of managing your credit card usage effectively.
Monitor Your Accounts Regularly: Keep a thorough watch on your credit card statements for any unauthorized or suspicious charges. Report them to your credit card issuer as soon as possible.
Use Secure Networks: When making online purchases, only shop on secure websites (look for “https” in the web address), and avoid using public Wi-Fi networks for transactions.
Keep Your Personal Information Safe: It’s important to dispose of old credit card statements properly, and avoid giving out credit card information over the phone unless you initiated the call and you trust the recipient.
Protect Your PIN and Password: Don’t share these with anyone, and avoid using easily guessable combinations like birth dates or the last four digits of your social security number.
Enable Account Alerts: Most banks now offer optional security alerts that can be sent via text message or email whenever a charge above a certain amount gets made to your account.
Protect Your Computer and Phone: Make sure your devices are equipped with up-to-date antivirus software and that your phone is locked with a secure password or fingerprint identification.
In case you become a victim of credit card fraud, know the steps to protect yourself – report it to your bank or credit card company immediately, file a report with the Federal Trade Commission, and report it to the three major credit bureaus, requesting them to put a fraud alert or a credit freeze on your account.
Also remember, credit cards don’t have routing numbers.
Making the Most of Credit Card Hacking
When used wisely, credit card hacks and reward strategies can play a significant role in stretching your budget and rewarding your spending. These secrets of savvy credit card use — from aligning your card to your spending habits, making the most of sign-up bonuses and reward categories, to understanding the ins and outs of your credit card’s rewards structure — can help maximize your potential rewards and save money.
Personally, we use all of our credit card rewards to pay for our travel expenses.
However, it’s paramount to remember that these tips and tactics should not encourage unnecessary spending or carrying a balance. Only spend within your means, ensure you pay off your balances each month to avoid interest charges and remember to safeguard your credit score by handling credit card applications and closures cautiously.
Ultimately, credit card hacks and rewards should fit within your overall financial plan and goals, adding value to your everyday spending habits and rewarding you for well-managed financial practices.
Remember your goal is to reach your FI number.
Source
Reddit. “American Express Clawing Back Points Earned From Gift Card Purchases.” https://www.reddit.com/r/AmexPlatinum/comments/14hywaq/american_express_clawing_back_points_earned_from/. Accessed January 19, 2024.
CNN. “What is the Chase 5/24 rule?” https://www.cnn.com/cnn-underscored/money/chase-5-24-rule#:~:text=The%205%2F24%20rule%20is,your%20approval%20odds%20with%20Chase. Accessed January 19, 2024.
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The desire to get a good deal unites practically all travelers. Whether you’re looking for a cheap getaway or a luxury vacation, no one wants to spend more than necessary. When it comes to booking flights, travelers may naturally head to an airline’s website. However, that’s not always the best site to book flights.
Whether it’s taking advantage of credit card perks, earning bonus miles or saving money, the best flight booking site can vary depending on your situation and willingness to get creative. Let’s take a look at six of the best sites to book flights and when each is the best option.
The best flight booking sites
1. Google Flights
For ease, speed and features, Google Flights is arguably the best website for flight searches. Search results appear almost instantly. Filters let you narrow down to nonstop options, select a subset of airlines, limit by price or factor in the price of a bag. Similarly, you can use Google Flights filters to avoid certain airlines, multi-stop itineraries, long layovers, early flights or pretty much whatever you might want to avoid.
You can easily check flexible dates, and if you’re flexible on where you go you can use the Explore map to see prices for a variety of destinations for certain dates, a certain month or anytime in the next six months.
Google Flights partners with hundreds of airlines and online travel agencies (OTAs) to pull current flight prices. That way you don’t have to search each of these sites to be able to see the options. Once you select your preferred trip, Google Flights links you to the top booking options for actually booking your flight — including the airline itself and the best OTA booking options.
The downsides of Google Flights are few. One is the lack of Southwest flight prices. Although Southwest flight schedules will show in flight search results, Southwest flight prices aren’t available. That’s because Southwest chooses to publish flight prices only on its website.
Another downside is that Google Flights doesn’t always show the cheapest prices — particularly for international flights. That means it’s worth double-checking prices on another site before booking through Google Flights.
2. Kayak
Like Google Flights, Kayak searches hundreds of other websites and flight booking platforms to find the best deal. Kayak generally doesn’t let you book flights directly. However, one benefit of Kayak is the streamlined process. Rather than having to click through several pages to confirm your selection, clicking “view deal” on the results page can take you right to the cheapest booking option.
Also, some travelers may find Kayak’s flexible date search a bit easier to work with as you can see results from several days in the search results — eliminating the need to check each day’s results separately.
But perhaps the most important reason to use Kayak instead of Google Flights is that it can catch better deals. For example, we found a $550 round-trip flight from Los Angeles to Barcelona using Google Flights. Kayak found a way to lower that price to just $472 round-trip — at least once you scroll past an advertisement.
Note that Kayak manages other flight search sites — including Momondo and Cheapflights — so the results may be very similar between these sister sites.
3. Expedia
So far, we’ve focused on ease in flight searching, and that’s going to be enough for many travelers. However, now let’s add in some additional elements to consider when choosing the best flight booking site: earning rewards and saving by booking packages. Expedia excels at both of these.
Through the new One Key rewards program, travelers can earn 0.2% in OneKeyCash from flight bookings made through Expedia. That’s not much, but it can stack on top of the awards you earn from the airline and those that you earn on your credit card purchase.
Even better, you’ll earn credits toward One Key elite status by booking your flight through Expedia. As you climb up the tiers, you’ll unlock up to 20% savings on hotels, get hotel upgrades, priority support and even price drop protection.
Plus, Expedia boasts that travelers can “save up to 30%” when bundling a hotel with a flight booking — although actual discounts are likely to vary.
4. Capital One Travel
For many Capital One cardholders, Capital One Travel might just be the best flight booking site. Part of this is to take advantage of cardholder benefits. For example, Capital One Venture X Rewards Credit Card holders earn 5x Capital One miles when booking flights through the Capital One Travel portal. Plus, Capital One Venture X Rewards Credit Card holders get up to $300 off travel booked through the Capital One Travel portal each cardholder year.
Also, Capital One Travel can help you truly get the best price for your flight. Capital One partnered with travel data company Hopper to show suggestions about when it’s the best time to book.
Capital One backs up these recommendations with money. If you book a flight through Capital One Travel when Hopper recommends doing so, you’ll get up to a $50 credit toward future travel if the price drops within the next 10 days.
5. Kiwi
Would you be willing to book a trip as two separate tickets in order to save money? That’s the idea behind Kiwi. Instead of simply searching flights from your home airport to your destination, Kiwi checks all potential options to get between A and B. That could mean taking a bus or train from your home city to another to catch a flight to your destination. Or, Kiwi might pair a low-cost domestic flight with a cheap international flight from another city to lower your total cost.
For example, when we priced out a round-trip flight from Phoenix to Tokyo, the cheapest option when booked as one ticket cost $1,353 round-trip — and that’s with an overnight stay in Vancouver.
Pricing out the same itinerary and dates through Kiwi drops the price to just $789 round-trip. The secret? Booking this as two round-trip flights: One from Phoenix to Los Angeles on Frontier and a separate round-trip from Los Angeles to Tokyo on Zipair.
Keep in mind that there are risks with booking separate tickets to get where you want to go. If a delay or cancellation causes you to miss your connection, the second airline/bus/train company isn’t obligated to honor your ticket and rebook you on the next option. So make sure to factor in all of the risks of booking travel like this.
6. BookWithMatrix
ITA Matrix is a very powerful and ultra-customizable search platform for finding exactly the flight itinerary you want — whether that’s booking a longer layover, avoiding certain aircraft types or booking nerdy trips such as the Alaska Milk Run.
The catch: Travelers can’t actually book flights through ITA Matrix. And, unlike Google Flights, ITA Matrix doesn’t even link to the best flight booking site for that itinerary. Instead, travelers are left to attempt to re-create the same itinerary through another flight booking website — which can be hard in the case of certain complex itineraries.
Enter BookWithMatrix. Travelers can copy-paste their perfect itinerary from ITA Matrix into BookWithMatrix to get bookable links through the airline or select OTAs.
Alternatively, travelers have the option to install the PowerTools extension in Google Chrome. This extension adds booking links right on the ITA Matrix itinerary page, avoiding the need to browse to another page.
Final thoughts on the best flight booking site
There’s not a one-size-fits-all best website for booking flights. Instead, the best flight booking site for you is going to depend on how simple you want the process to be, whether you’re willing to get creative with your booking, and even which credit cards you have.
For most travelers, the simplicity of Google Flights is going to make it the best one-stop shop for searching and booking flights. However, it’s worth considering other options if you’re flying internationally, want to book a flight-and-hotel package or have a Capital One Venture X Rewards Credit Card.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
Chase is offering a bonus of up to 65,000 points on the Chase Hyatt card. Broken down as follows:
35,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening
Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Card Basics
This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months
Annual fee of $95
Card earns at the following rates:
4x points per $1 spent on Hyatt hotels (they advertise this as 9x, but it’s 4x plus the 5x you normally get anyway)
2x points per $1 spent on local transit and commuting (including taxis, mass transit, tolls and ride-share serivces)
2x points per $1 spent on restaurants, cafes and coffee shops
2x points per $1 spent on airline tickets purchased directly from the airlines
2x points per $1 spent on fitness clubs and gym memberships
1x points per $1 spent on all other purchases
Receive up to two free nights annually:
One free night at any category 1-4 Hyatt property every year after your card member anniversary
An additional free night at any category 1-4 Hyatt property if you spend $15,000 during your card member anniversary year
Status:
World of Hyatt Discoverist status for as long as the card is open
5 qualifying night credits towards your next tier status every year
An additional 2 qualifying night credits towards your next tier every time you spend $5,000 on the card (no limit)
Our Verdict
We’ve previously seen a 60,000 offer that only required $6,000 in total spend, whereas this new offer requires $15,000. It is slightly better than the 60,000 point bonus we saw recently. You can also usually get 50,000 points via referral after only $6,000 in total spend. Because of that reason I won’t add this to the best credit card bonuses.
The Austin-Bergstrom International Airport in Austin, Texas, is growing almost as fast as the city itself. And as the closest airport to major events like South by Southwest, Austin City Limits music festival and more, the compact airport sees its fair share of traffic.
And while many visitors who pass through spend their time at the airport’s local restaurants or shops, Austin airport lounges also offer a place to kick back and unwind before your flight.
Let’s take a look at the airport’s four lounges, how to access them and what each has to offer travelers.
An overview of Austin airport lounges
While there are a number of airlines that fly in and out of Austin, only three have lounges: United Airlines, American Airlines and Delta Air Lines. There’s also a Chase lounge for Chase Sapphire Reserve®cardholders.
🤓Nerdy Tip
Besides the Chase lounge, there aren’t any other options that are accessible via non airline-specific membership, such as Priority Pass, or for Capital One or American Express cardholders.
These lounges are located in the main terminal, the Barbara Jordan Terminal, so no matter what gate you’re flying out of, any lounge is only a short walk away. There are no lounges in the airport’s smaller South Terminal, which is a few minutes’ drive down the road.
To enter the airline lounges, you typically need at least one of the following:
A first or business class ticket with American, Delta or United.
A lounge membership with American, Delta or United.
Elite status with one of the above airlines or their airline alliance.
A purchased day pass (if the lounge offers them).
It’s also important to note that all Austin airport lounges will ask to see a same-day departing boarding pass to enter. Save for one exception —travelers flying American or a Oneworld Alliance airline with a first or business class ticket — these lounges are only accessible on your way out of town, not upon arrival.
Delta Sky Club
On the mezzanine level near gate 4.
Open from 4:15 a.m. to 8:00 p.m. daily. Passengers can access the lounge any time within three hours before their scheduled flight.
Entry requirements:
Hold a Delta One or SkyTeam Premium flight boarding pass.
Hold an Executive or Individual Delta Sky Club membership, which is available to Medallion members.
Hold a Delta SkyMiles® Reserve American Express Card or Delta SkyMiles® Reserve Business American Express Card, which offers free access to the lounge.
Hold the Delta SkyMiles® Platinum American Express Cardor Delta SkyMiles® Platinum Business American Express Card, which offers cardholders the option to purchase access for $50 per person.
Terms apply.
Lounge amenities: Inside the lounge located above the gates, there’s a full-service bar, comfortable seating, tables for dining or working, Wi-Fi and a covered outdoor deck. There’s coffee, tea, complimentary and premium alcoholic beverages and a hot food buffet.
United Club
On the mezzanine level, across from gate 22.
Open 4:30 a.m. – 7:15 p.m. daily.
Entry requirements: .
Hold a boarding pass for:
A premium cabin on an international itinerary.
First class with a Star Alliance member airline.
Hold United Club membership.
Have purchased a one-day pass.
Hold the United Club℠ Infinite Card, which includes United Club membership.
United Club℠ Infinite Card
NerdWallet Rating
Intro offer
90,000
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Miles
Lounge amenities: The Austin airport United Club offers a full-service bar, light snacks and complementary Wi-Fi, plus lounge chairs, high-top tables and space to get a bit of work done.
American Airlines Admirals Club
Across from gate 22.
Open Sunday to Friday 4:15 a.m. – 9:15 p.m and Saturday 4:15 a.m. – 8:15 p.m.
Entry requirements:
Hold a first or business class ticket on a departing or arriving flight operated by American or a Oneworld Alliance airline.
Hold an Admirals Club membership.
Hold a Citi® / AAdvantage® Executive World Elite Mastercard®.
Have purchased a one-day pass (provided there’s space in the lounge that day).
Lounge amenities: Inside this airport lounge in Austin, you’ll find complimentary food and drinks, including coffee and tea, a full-service bar, Wi-Fi and space to work.
Chase Sapphire Terrace
On the mezzanine level by gate 1.
Open daily from 10 a.m.– 8 p.m. Passengers can access the lounge anytime within three hours before their scheduled flight.
Entry requirements:
Hold a Chase Sapphire Reserve® card or a J.P. Morgan Reserve credit card. You may also bring in two guests.
Chase Sapphire Reserve®
NerdWallet Rating
Intro offer
60,000
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®.
Points
Lounge amenities: There’s indoor and outdoor seating on the terrace of this Austin airport lounge, plus grab-and-go food, local beverages, games like shuffleboard and cornhole and comfortable seating in a modern and sunny space.
Austin airport lounges recapped
While there are a handful of lounges at the Austin airport, don’t expect the variety and multiple locations you might see at larger hubs like New York-John F. Kennedy.
The four lounges are all located within the main terminal, so it’s easy to locate a place to kick back, relax, grab a bite and maybe get some work done before your flight.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
If you fly enough, experiencing a flight delay is practically inevitable. Between weather issues, maintenance delays and air traffic control staffing issues, all airlines are bound to face delays.
Alaska Airlines has recently been the best U.S. airline at minimizing delays, reporting the highest rate of on-time flights through June 2023. Still, nearly one in five Alaska flights have pushed back departure times for one reason or another.
In these situations, what kind of flight delay compensation are passengers entitled to? Here’s a recap of Alaska’s compensation policies for you.
6 things to know about Alaska flight delay compensation
1. You’re more likely to get flight delay compensation on Alaska than any other U.S. airline
At least on paper, Alaska treats its delayed passengers relatively well. According to data from the U.S. Department of Transportation (DOT), Alaska Airlines commits to providing compensation for the most aspects of a controllable flight delay: seven out of eight factors. The next-best airline is JetBlue Airways with six of the eight commitments. American Airlines, Delta Air Lines and United Airlines tie for third place with five of the eight commitments.
2. Alaska Airlines doesn’t guarantee cash compensation for delays
The only of the eight factors that Alaska does not commit to provide is the one travelers would probably like to see most: Cash compensation for delays more than three hours past the scheduled departure time.
Unfortunately, no additional cash compensation is required by Alaska policies or current DOT regulations (though they are required in Europe). At best, you may be able to get a full refund of the price that you paid for your flight — as long as your delay is eligible. And unfortunately, Alaska doesn’t define how long of a flight delay is required to get a refund.
3. Alaska Airlines offers bonus miles or a discount code for lengthy delays
Although it doesn’t offer cash compensation for delays, Alaska Airlines offers two compensation options in the case of flight delays over three hours — with the exact compensation depending on the length of the delay:
A discount code of at least $50 for future travel.
Discount codes are valid for one year from the date of issuance toward a future Alaska flight. Alaska miles don’t expire, although your account may be deactivated for lack of activity.
🤓Nerdy Tip
NerdWallet values Alaska miles at 1.4 cents per mile. Unless you don’t have any plans to take an Alaska flight in the next year, we recommend opting for a $50 voucher instead of 2,000 miles. At NerdWallet valuations, 2,000 miles are only worth $28.
It’s worth noting that Alaska Airlines is the only U.S. airline that commits to providing frequent flyer miles in case of a delay. JetBlue is the only other U.S. airline that offers a travel voucher for delays of three hours or more. Other U.S. airlines may provide bonus miles or a voucher to certain travelers after certain delays, but it isn’t part of their stated policy.
4. Claim a free meal or overnight accommodation on certain delays
In addition to providing miles or a travel voucher, Alaska Airlines also pledges to provide food and lodging during a delay of three or more hours. First, passengers waiting out the delay at the airport will get a “reasonable meal” — although that’s not further defined.
Plus, travelers needing to wait out an overnight delay will receive complimentary hotel accommodations, as long as they are at an airport more than 100 miles from their home. Alaska Airlines agrees to cover both the hotel and round-trip ground transportation to and from the hotel.
5. Only certain Alaska flight delays are eligible for compensation
There’s a big asterisk to all that we’ve covered so far: Alaska Airlines only compensates travelers, provides meals and covers overnight accommodation for eligible delays. Alaska Airlines won’t provide any compensation or amenities if your delay is due to:
Air traffic control.
Weather situations.
Passenger’s illness.
Other extraordinary circumstances beyond the airline’s control that occur at cities within your intended flight routing.
In these cases, you’ll need to rely on trip delay insurance — if you have it — to cover your meal and lodging costs. For example, if you booked your flight with the Chase Sapphire Reserve® and your flight is delayed more than six hours or overnight, you’ll get up to $500 per passenger in reimbursements for expenses like meals and lodging.
6. Know all of your options during a flight delay
Even if you aren’t due Alaska flight delay compensation, you should know you have options during a delay. If your flight is canceled or significantly delayed, gate agents will likely want to rebook you on a later Alaska Airlines flight. However, the airline’s stated policy is to rebook you on partner airlines at no additional cost when there’s a significant delay.
Check your options using a flight search tool like Google Flights. Note that Alaska Airlines is part of the Oneworld Alliance along with American Airlines, so American will be a top option. In addition, the airline has struck partnerships with other carriers on which it may rebook you. Alaska flyers have reported being rebooked on American, Delta and United in the case of past delays — although these partnerships can change at any time.
Alaska flight delay compensation recapped
Alaska Airlines offers more to passengers than other U.S. airlines when it comes to delay compensation. In addition to standard provisions — such as meals and overnight lodging — the airline also offers bonus miles or a travel voucher when eligible delays stretch beyond three hours. Plus, Alaska also partners with several competitor airlines to help get travelers where they need to go.
However, all of these types of compensation require that you’re on an eligible delay. If your flight is delayed or canceled due to weather, air traffic control or another element deemed outside of the airline’s control, you’ll need to rely on travel insurance or credit card travel protections to cover these expenses.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
2023 was a turbulent year for airline elite status. A few major airlines announced significant loyalty program changes — many of which went into effect on Jan. 1, 2024. In most cases, it’s made a more challenging path with higher spending requirements to earn airline elite status.
Some of the most notable and drastic shifts happened to the Delta Air Lines SkyMiles loyalty program. In September, the airline announced it would award Medallion elite status solely based on spending and limit Delta Sky Club access for many customers starting in 2024. The updates were so drastic that Delta walked back some of its most controversial changes, including reducing the spending requirement to earn status.
Other airlines have made minor loyalty program modifications:
Frontier Airlines overhauled its loyalty program to align status earning with dollar spending rather than based on physical miles flown. This kicked in with the new year.
Southwest Airlines made it easier to earn elite status in 2024 by reducing the number of flights needed to earn status.
As of March 2024, Alaska Airlines will simplify partner redemptions based on distance and cabin. According to Alaska Airlines, more than 60% of partner nonstop routes will start at a lower price point (but that implies others will become more expensive).
American Airlines made some changes in 2024, including adding new earning and redemption opportunities. It’ll also soon offer one-day lounge passes for sale.
Which airline program provides the most value?
NerdWallet’s analysis focuses on elite status perks that offer concrete value, such as bonus rewards, seat upgrades and free checked bags. We compared these values against the spending needed to earn each status level. That indicates which elite programs truly offer excellent value per dollar spent.
To generate a single number to compare loyalty programs, we calculate an “effective rewards rate,” which accounts for the value of the benefits you receive relative to the amount you already spent with the airline.
There’s variation across airline loyalty programs, but the average return across all programs is 6.28% in value per dollar spent, meaning you’d get an average of a little over $6 per $100 spent.
Alaska’s rewards program stands out at the top end with its 9.7% rate — the equivalent of earning nearly $10 in value for every $100 spent. Hawaiian Airlines, which in December announced plans to merge with Alaska, isn’t far behind with an 8.89% earning rate.
Frontier and Spirit Airlines trail far behind with paltry 3.92% and 3.45% rewards rates, respectively.
Understand what status is worth
Some programs slap labels like “Gold” and “Platinum” on benefits that hardly sparkle, so be skeptical of chasing titles that sound fancy but ultimately offer mediocre benefits.
A-List Preferred is the highest level of status with Southwest, but its value is low, with no option for premium class seats or airport lounges. You’d have to spend an estimated $14,400 to earn A-List Preferred (though you could get it for less if you fly a lot of low-cost flight segments), yet NerdWallet values its benefits at less than $1,400. Don’t try too hard to chase Southwest status.
Meanwhile, the top tiers at Alaska, Hawaiian, United Airlines and American Airlines mean something. With Alaska MVP Gold 100K, you’ll receive nearly $9,000 in value with the first-class upgrades, free checked bags and lounge passes. Earning it requires an estimated $12,000 in Alaska spending, translating to a roughly 73% rewards rate.
Earning United Premier 1K status is neither cheap nor easy, as you’ll have to spend an estimated $30,000 with United for the honor. But NerdWallet values the benefits (which include instant premium cabin upgrades and priority check-in) at nearly $19,000, offering a 64% return.
Look for promotions
You can sometimes find limited-time promotions with easier routes to earning elite status. For example, United MileagePlus is currently running a Premier Status Match Challenge through the end of 2024.
Leverage airline credit cards
If you’re chasing elite status for benefits like free checked bags, Wi-Fi or early boarding, many airline credit cards offer those perks without awarding you elite status.
How to approach airline elite status in 2024
As more airlines tie elite status to spending, it can feel like the value of your loyalty has taken a nosedive, especially if you previously earned status through low-cost flights. On the other hand, some high rollers are rejoicing. After all, a higher threshold to earn status only makes it more valuable for folks who have it through reduced competition for seat upgrades or fewer people overcrowding airport lounges.
However, having elite status is only part of the reason to pick which airline to fly. Sometimes elite status can be more limiting than freeing, as you might be more inclined to fly at an inconvenient time or book a more expensive flight just to flex your benefits.
By leveraging credit card bonuses, seeking targeted promotions and being open-minded to the best flight rather than one operated by the brand you have status with, you can maximize the value of your travel.
Not to mention, airfares have dropped over the past year despite inflation affecting most other sectors. Some experts expect airfares to continue dropping. According to American Express Global Business Travel’s 2024 Air Monitor report, economy class flights from North America to Europe are expected to drop by 3.5% versus their 2023 prices, while those to Asia are expected to drop by 7.5%.
For price-conscious consumers, that might be a better trade anyway.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
The Miami International Airport (MIA) served more than 50.5 million passengers in 2022. With all the lively foot traffic upon entering the airport, you’ll likely want to seek comfort and quiet in an airport lounge as soon as you get airside.
Knowing where your nearest eligible airport lounges are in advance gives you more time to unwind before your flight. Here’s a list of all of the Miami airport lounges.
About Miami airport lounges
Miami International Airport lounges are located in every terminal, though you’ll need to meet the entry requirements of the lounge you’re interested in using. Many Miami airport lounges restrict access to travelers who have qualifying loyalty status or access through a credit card.
Travelers with Priority Pass, or who are willing to purchase a one-day pass might be able to gain lounge access. Admittance, however, is generally based on capacity during the time of your visit.
North Terminal: Flagship Lounge, Admirals Club and Centurion Lounge
If you’re departing from the north terminal, here are your closest lounges in the Miami airport.
Flagship Lounge
Location: Past security checkpoint, across from Gate D-30.
Hours: 5:30 a.m. to 10:30 p.m.; open daily.
How to get in: Accessible to qualifying first and business-class customers, AAdvantage Executive Platinum, AAdvantage Platinum Pro, AAdvantage Platinum and Alaska Airlines Mileage Plan MVP Gold 75K and MVP Gold, ConciergeKey, and Oneworld Emerald and Sapphire members. To get in just show your boarding ticket for an American or another Oneworld carrier flight.
Guests can enjoy complimentary food and drinks, and can access a specialty cocktail bar and wine table. There are also showers available to freshen up before your flight.
Admirals Club D-15 and D-30
Location: Two separate lounges, both past the security checkpoint. One is across from Gate D-15, and the other is across Gate D-30.
D-15 lounge: 5:30 a.m. to 10:30 p.m.; open daily.
D-30 lounge: 6 a.m. to 8:30 p.m.; open daily.
How to get in: You must be an Admirals Club member, a non-AAdvantage Oneworld Emerald or Sapphire member, or be a qualifying first and business-class customer. Upon arrival, you must show your same-day ticket for a flight on American or another Oneworld flight, and provide a qualifying credit card (if applicable) for entry. Depending on capacity, you might be able to buy an Admirals Club One-Day Pass for $79.
Guests receive complimentary food, drinks and access to a full-service bar. The lounges offer free Wi-Fi and showers, and the Admirals Club adjacent to Gate D-30 has a conference room that can be booked in advance.
The Centurion Lounge
Location: In concourse D, near Gate D-12. Take the elevator to the fourth floor.
Hours: 5 a.m. to 10 p.m.; open daily.
Visitors of the Centurion Lounge in the Miami airport can access spa services and showers, along with seasonal cuisine and a premium bar. It also offers a family room, and semi-private workspaces.
Central Terminal: Military Hospitality Lounge and Turkish Airlines
Travelers who are departing from MIA’s central terminal have a couple of lounge options. However, two lounges in this terminal are temporarily closed.
Military Hospitality Lounge
Location: Pre-security in Concourse E, second level.
Hours: 9 a.m .to 5 p.m. Thursday – Monday.
How to get in: You must be a U.S. or Allied active duty or retired military member with proof of same-day travel and your government-issued military ID. Your authorized dependents can also join you in the lounge.
The lounge offers hot beverages, water and soft drinks, as well as complimentary snacks.
Turkish Airlines Lounge
Location: Past the security checkpoint, go to Concourse E, on the second floor.
Hours: 5 a.m. to 10 p.m.; open daily.
How to get in: Available for all Priority Pass members, and first and business class passengers of Turkish Airlines, United Airlines, Aer Lingus, Air Italy, LOT Airlines, TAP Portugal and all Star Alliance members. Be ready to show your same-day boarding pass and Priority Pass card, if applicable.
Guests have access to showers and Wi-Fi. You will also enjoy complimentary food and refreshments, including alcohol.
Temporarily closed central terminal lounges in the Miami airport
Admirals Club, Concourse E.
Club America, Concourse F.
South Terminal: Delta Sky Club and The VIP Lounge
If you’re looking for an airport lounge in the Miami airport’s south terminal, here are your options.
Delta Sky Club
Location: Past the security checkpoint in Concourse H, second floor.
Hours: 4:45 a.m. to 8:45 p.m.; open daily.
How to get in: If you have a same-day ticket on Delta or a Delta-partner airline, access is available to:
Terms apply.
The lounge offers complimentary high-speed Wi-Fi, food, beverages and cocktails. Showers are also available.
The VIP Lounge
Location: Past security checkpoint in Concourse J, near Gate J-3.
Monday, Wednesday, Thursday, Saturday and Sunday: 1 a.m. to 12:30 a.m.
Tuesday: 8 p.m. to 12:30 a.m.
How to get in: The lounge is available by invitation only for first and business class passengers of member airlines.
The VIP Lounge offers complimentary buffet-style food, beverages, showers and Wi-Fi.
Turkish Airlines Lounge
Location: Past security checkpoint in Concourse H, on the third floor.
Hours: 4 a.m. to 10 p.m.; open daily. Hours may vary.
How to get in: Available to first and business-class passengers traveling on Star Alliance partner airlines, and Turkish Airlines Elite and Elite Plus passengers. Access is also available to Priority Pass, Lounge Club, Lounge Key and Diners Club members. Depending on capacity, day passes might be available for additional purchase.
Complimentary food, beverages (including alcohol), and Wi-Fi. Day beds and showers are also available.
Temporarily closed south terminal Miami airport lounges
The Avianca Lounge, Concourse J.
Final thoughts on lounges at MIA
Although MIA is one of the busiest airports in the U.S., its lounges offer pockets of respite for weary travelers.
Before your next flight, check whether you have complimentary access to any of the Miami airport lounges mentioned above, either through your airline loyalty membership, credit card benefit or other qualifying program.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for: