How Do Airline Miles Work?

Airline miles, frequent flyer miles and travel points are the rewards currency of some airlines and credit cards.
Eric Rosenberg
By Eric Rosenberg 
Updated
Edited by June Casagrande

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If you enjoy flying around the country (or around the world) to visit loved ones, see new places or any other reason, knowing how airline miles work could possibly help you cut costs. In this case, "airline miles" generally refer not to distances flown, but to a kind of currency, created by airline loyalty programs, that you can use for free or discounted flights and other rewards in the future.

Follow this beginner’s guide to airline miles to learn the best ways to earn miles, how to use them for flights and other rewards, and how to maximize your value per point.

What are airline miles?

Airline miles, also called frequent flyer miles, are the airline’s currency that you can use by redeeming them for flights, hotel stays and other rewards. Some airlines call their currency "points" rather than miles, but the concept is the same.

Depending on the airline, your miles can be used to book flights — both on that specific airline and potentially on partner airlines.

Airlines typically allow you to search for cash flights or award flights separately. Here's flight availability with Rapid Rewards, Southwest Airlines's frequent flyer program, for a flight from Chicago to New York City.

If you wanted to view the cash price for flights instead of the airline miles price, you would toggle to the "$" button in the top right.

How much are airline miles worth?

According to NerdWallet's analysis, miles from major airlines are worth about 0.8 to 2 cents each. But the flights you choose may influence your valuation.

For example, Southwest uses a system where your points have a mostly fixed value: The number of points you'll need to book a flight directly mirrors the price of the cash fare.

Other airlines, like American, use an award chart to determine how many miles you’ll need for a flight. These costs are typically based on the regions you’re flying from and to.

🤓Nerdy Tip

Region-based award charts will sometimes create opportunities to get more value out of a redemption. Many travel points collectors refer to these as "sweet spots."

Some airline loyalty programs also let you use miles or points for hotel stays, car rentals, magazine subscriptions, merchandise or flight upgrades. In most cases, these types of redemptions will get you a low value for your miles. To get the best value, you'll want to plan to redeem your airline miles for flights.

How to earn airline miles

There are a number of ways to build a balance of valuable airline miles.

Earn miles by flying

The default way to earn miles with most airline loyalty programs is flying. When you fly on a paid fare, you are usually eligible to earn frequent flyer miles for the trip.

Depending on the airline’s rules, you may earn miles based on how far you travel or the flight cost. In most cases, you will earn a number of points per dollar spent or per mile flown. Travelers with elite status in the airline’s loyalty program may earn more miles for each trip than other members.

Earn miles by spending on credit cards

How do credit card miles work? Generally, you can earn miles from spending on either a co-branded airline credit card or a general travel rewards credit card.

Airline credit cards

For savvy travelers, credit card rewards make up a large portion of miles earnings. Example airline credit cards include the JetBlue Plus Card and the United Quest℠ Card.

Popular airline cards
Chase United Airlines Mileage Plus Credit Card
United℠ Explorer Card
NerdWallet Rating
Apply now

on Chase's website

Chase Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Plus Credit Card
NerdWallet Rating
Apply now

on Chase's website

Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express Card
NerdWallet Rating
Apply now

on American Express' website

Rates & Fees
Barclays JetBlue Plus Credit Card
JetBlue Plus Card
NerdWallet Rating
Annual fee

$0 intro for the first year, then $95.

$69.

$0 intro for the first year, then $150.

$99.

Earning rates

• 2 miles per $1 on United purchases.

• 2 miles per $1 at restaurants and hotels (when booked directly with hotel).

• 1 mile per $1 on all other purchases.

• 2 points per $1 on Southwest purchases.

• 2 points per $1 on Rapid Rewards hotel and car rental partner purchases, local transit and commuting (including rideshare), and on internet, cable, phone services and select streaming.

• 1 point per $1 on all other purchases.

• 2 miles per $1 on purchases made directly with Delta and at U.S. supermarkets and restaurants (including takeout and delivery in the U.S.).

• 1 mile per $1 on all other eligible purchases.

Terms apply.

• 6 points per $1 with JetBlue.

• 2 points per $1 at restaurants and grocery stores.

• 1 point per $1 on other purchases.

• 1 Mosaic tile per $1,000 spent.

Horizontal scroll

Depending on the airline and credit card you choose, you may earn anywhere from 1 to 3 miles per dollar spent on the card. You usually earn more when you use the card to purchase travel directly from the airline. You could also earn more by making purchases in expense categories that pay bonus miles, like restaurants or gas stations (these vary from issuer to issuer).

When you open a new airline credit card account, you may be eligible for a big welcome bonus after meeting a minimum purchase requirement. After that, you'll continue to earn miles for purchases you would have made anyway.

🤓Nerdy Tip

Make sure to pay off your credit card balance in full by the due date each month, or you may wind up spending more in interest than the value you earn from airline miles.

Airline credit cards are a subset of general travel credit cards, and there are pros and cons for choosing either (though some frequent travelers opt to have both types of cards in their wallets). If you prefer to have more flexibility to book with multiple airline partners instead of one, a general travel credit card will likely fit the bill.

General travel credit cards

In addition to airline-specific cards, you can apply for a general travel rewards card, like the Chase Sapphire Preferred® Card or American Express® Gold Card, which give you points that can be transferred to airline rewards programs, used to purchase travel directly in the card issuer’s travel booking portal or redeemed for other things, like merchandise.

How the cards compare
Chase Sapphire Reserve Credit Card
Chase Sapphire Reserve®
Apply now

on Chase's website

The Platinum Card® from American Express
The Platinum Card® from American Express
Apply now

on American Express' website

Rates & Fees
Annual fee
$550
$695
Bonus offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

Rewards
  • 10 points per dollar spent on hotel stays, car rentals and dining purchased through Chase. Also on Lyft through March 2025.

  • 5 points per dollar spent on flights purchased through Chase.

  • 3 points per dollar spent on travel and dining worldwide.

  • 1 point per dollar spent on all other purchases.

  • Note: Travel bonus rewards are after the first $300 is spent on travel purchases annually.

  • 5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel.

  • 5 points per dollar on prepaid hotels booked through American Express Travel.

  • 2 points per dollar on other travel booked through AmEx.

  • 1 point per dollar on all other purchases.

  • Terms apply (see rates and fees).

Cardholders are able to redeem their points and miles with various airlines through individual online portals that are managed by the issuer. These relationships, often called transfer partnerships, vary across credit cards.

Here's a closer look at the most popular general travel credit cards, their rewards programs and their transfer partners:

Earn by traveling with partners

Airlines, hotels and rental car companies often collaborate to allow you to earn awards with one program while spending with another brand.

For example, auto rental company Enterprise gives you opportunities to earn miles at JetBlue, Turkish Airlines, Lufthansa or Virgin Atlantic with every paid rental. If you’re renting a car anyway, consider adding your frequent flyer number to earn more value from the rental.

Earn via dining and shopping programs

Another way to earn miles is through airline dining and shopping programs. With dining programs, you can earn miles when you eat at any participating restaurant and pay with a linked credit or debit card. Many major airlines offer this type of program, so it’s a good idea to link your most-used cards to your favorite airline’s dining program.

If you’re shopping online, consider starting at an airline shopping portal. These virtual malls allow you to earn bonus miles for shopping with partner retailers. For example, a few recent promotions in Alaska Mileage Plan's shopping portal include 700 Alaska Airlines miles for signing up with Blue Apron, 3 miles per dollar spent at Macy’s and 2 miles per dollar spent on purchases at Lenovo and Under Armour.

Hundreds of stores participate, so if you’re buying something online, there’s a good chance you could earn extra miles by using the airline’s shopping portal.

How to spend your airline miles

Now we’re getting to the good part: putting your miles to use for discounted travel and other rewards. Spending airline miles is often called redeeming, and the easiest method for finding ways to redeem miles with your airline of choice is to log in to your airline account.

Redeem your miles for flights

Many people primarily opt to redeem airline miles for (nearly) free air travel. Whether you want to hop across the state to visit family or jet across the world on a once-in-a-lifetime vacation, airline miles can help you get there.

Each airline has its own award chart or rules, so redeeming with one airline isn’t exactly like redeeming with another. You'll want to get in the habit of doing the math:

  • Divide the cash price by the number of points needed for an award flight.

  • Multiply that value by 100. Then, you'll know the value per point in cents.

Double-check that value against our valuations before you book to make sure you’re getting a good or on-par deal.

🤓Nerdy Tip

If you do the math and find that you're not getting a good deal with an award ticket, consider saving your points for a better redemption in the future and paying instead with a travel credit card now.

Advanced airline miles tip: Book flights in the airline alliance

In addition to booking flights on the airline where you have your mileage account, you might consider redeeming miles for flights with partner airlines. These relationships are sometimes known as airline alliances.

There are three major alliances: Star Alliance, SkyTeam and Oneworld. These far-reaching airline partnerships open up virtually the entire world to U.S.-based flyers.

Through these arrangements, you can redeem airline miles as "partner awards," and the process is usually just as easy as redeeming a flight on your own airline.

For example, if you’re a member of United Airlines’ MileagePlus program and you log in to your account to search for award flights to Berlin, you’re likely to see flights on Lufthansa and Swiss Air Lines that you can book easily with United miles.

Redeem miles for hotel stays, rental cars and cruises

Some airline miles programs will let you cash in miles with hotel partners. American Airlines, for example, lets you use AAdvantage miles to pay for stays at more than 150,000 properties worldwide.

🤓Nerdy Tip

As mentioned before, it's worth highlighting that it's harder to get a good value per mile when redeeming airline miles for other travel rewards. This shouldn’t be your first redemption choice.

Some airlines let rewards members redeem miles for rental cars and cruises, too. Others let you cash in miles for whole vacation packages, airline lounge memberships, live events or charitable donations.

Shop with miles

It's possible to redeem your airline miles for merchandise, gift cards or magazine subscriptions with some programs. These options usually give you the worst value per point, so they should be your absolute last choice for redeeming airline miles.

Which airline miles are the most valuable?

Based on NerdWallet’s analysis, this is the value of an airline mile at major U.S. airlines:

Program

Mile value

1.4 cents.

1.7 cents.

1.2 cents.

1.1 cents.

1.2 cents.

1.5 cents.

1.5 cents.

1.2 cents.

Remember that these are averages, not fixed amounts. The cent-per-mile value you get will depend on the flight and cabin you book. For example, you may be able to get much more value when booking international flights in business or first class.

The best airline credit cards

If you're ready to start earning airline miles for every purchase, consider adding one of these cards to your wallet. Even bad credit doesn't have to keep you from earning travel rewards.

Top choices for credit cards for airline miles include:

To choose an airline credit card, consider your travel circumstances and preferences. For instance, if your home airport is Chicago-Midway, it might make more sense to have a Rapid Rewards-branded credit card due to Southwest Airlines’ presence at the airport. A Delta-branded credit card might not do you much good.

How do reward miles work?

Airline miles or points — the currency that you can redeem for flights, hotel stays and other rewards — work a little differently at every airline. Typically, they're worth 0.8 to 2 cents each. You can earn them by flying, spending on co-branded airline credit cards and shopping with specific partners.

JetBlue’s TrueBlue program offers the most valuable miles, but ultimately, the right airline credit card (and loyalty program) for you will depend on where you are and how you like to travel.

To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.
To view rates and fees of The Platinum Card® from American Express, see this page.

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:

Travel Cards from Our Partners
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

75,000

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Points
Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited®
5.0
NerdWallet Rating
Rewards rate

1.5%-5%

Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Cashback

Intro offer

Up to $300

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
4.7
NerdWallet Rating
Rewards rate

2x-5x

Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

Miles

Intro offer

75,000

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Miles
See more travel cards
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