How to Earn Miles with a Credit Card if You’re not Airline-Loyal

More and more, airlines are changing the game when it comes to using frequent flyer miles. In March of this year, United Airlines announced to people in their MileagePlus frequent flyer program they would be doing away with award charts. Instead, they changed to “dynamic” pricing for flights using award miles. This means there is much variability in prices for flights booked using miles, and although it’s still possible to get a good deal, it’s becoming harder. Delta made this change a couple of years ago and American Airlines is moving toward dynamic pricing.

This can be frustrating if you’ve been saving up miles for a specific destination only to find out you’ll have to use much more miles than you originally thought you would. If you’re like many Americans and aren’t loyal to one specific airline but just choose the lowest price, it can be difficult to earn enough miles to actually use them for a free or low-cost flight. Perhaps you only take one or two flights a year and they’re relatively short flights within the United States. Again, it would take you a very long time to accrue any kind of substantial miles assuming you fly economy class.

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There is something you can do if you fall into one of these categories of traveler. You can get a credit card that offers points that you can transfer to miles with several different airlines’ frequent flyer programs rather than just one airline. There are several credit cards out there that offer this, so figure out which airlines you fly the most with and go from there.

Here are some examples of credit cards currently available and the frequent flyer programs they’re associated with:

Chase Sapphire Preferred Card ($95 annual fee)-

  • Aer Lingus
  • British Airways
  • Flying Blue (loyalty program of Air France & KLM)
  • Iberia
  • JetBlue
  • Singapore Airlines
  • Southwest
  • United Airlines
  • Virgin Atlantic

Citi Premier Card ($95 annual fee, waived the first year)-

  • Asia Miles
  • Avianca LifeMiles
  • EVA Air Infinity MileageLands
  • Etihad Guest
  • Air France/KLM Flying Blue
  • JetBlue TrueBlue
  • Garuda Indonesia
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus
  • Turkish Airlines Miles & Smiles
  • Virgin Atlantic Flying Club

American Express Gold Card ($250 annual fee)-

  • AeroMexico
  • Air Canada
  • Alitalia
  • Aer Lingus
  • ANA
  • Avianca LifeMiles
  • British Airways
  • Cathay Pacific
  • Delta Air
  • EL AL
  • Emirates
  • Etihad Airways
  • FlyingBlue AirFrance/KLM
  • Hawaiian
  • Iberia
  • JetBlue
  • Singapore Airlines
  • Virgin Atlantic
IMG_20180221_185151584_HDR
I cashed in sign-up bonus miles to use toward a flight to the Canary Islands

I will say, I had the Chase Sapphire Preferred Card once and it wasn’t a great fit for me and my family. If you believe some of the blogs and websites about airline miles and points, this credit card and the more pricey Chase Sapphire Reserve credit card are the best credit cards out there. However, in my personal experience, the flights offered through their portal were over-priced and not as good as I could find elsewhere. For instance, they would have extremely long layovers, limited flights to choose from, and/or more stops along the way than I would have liked. I ended up cancelling the card after I had it for a couple or so years and used the points I earned when I signed up for the card.

One credit card that you don’t hear a whole lot about but I have and really like so far is the Barclaycard Arrival Plus MasterCard. Barclays has a whole slew of credit cards, including some airlines-associated ones like JetBlue, Frontier Airlines, American Airlines, plus cruise ships like Princess, Choice Privileges hotels, Diamond Resorts, Uber, and more. With the Barclaycard Arrival Plus MasterCard, you earn 2X miles on every purchase, and you can redeem points earned on previous travel-related expenses. You earn 5% miles back to use toward your next redemption every time you redeem points, so that’s a nice bonus. There’s an $89 annual fee that’s waived the first year. I was a little wary about using a MasterCard for fear some places wouldn’t accept it but I only had some issues in Peru (and no where else I’ve traveled), with some places that only accepted Visa credit cards. Maybe many years ago some places would only take Visa credit cards but MasterCard seems to be accepted almost as widely as Visa nowadays, at least in my experience.

Do any of you have credit cards like these where you can use points for multiple airlines or hotels or redeem points to pay yourself back for travel like the Barclaycard Arrival Plus MasterCard? If so, share your experience with them- which ones do you like best? Are there any that were over-hyped like the Chase Sapphire Preferred Card was for me?

Happy travels!

Donna

 

 

 

 

 

 

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Author: runningtotravel

I'm a long distance runner with a goal of running a half marathon in all 50 states in the US. I also love to travel so I travel to other places when I'm not running races. Half the fun is planning where I'm going to go next!

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