What points can do
Loyalty points and miles can be used for flights, upgrades or hotels. Some you earn by flying, others by spending on a rewards credit card or shopping through partners.
Be realistic
Award flights are rarely free. You often still pay taxes and fees, and availability can be limited. Credit card points are only worth it if you pay your balance in full, because interest costs can exceed the value of the rewards.
A sensible approach
- Join the loyalty programme of an airline you fly regularly.
- Check the value of points. Compare the cost of a flight in cash with the points price.
- Choose a card carefully, and look at annual fees, earning rates and transfer partners.
- Be flexible with dates and airports to find award seats.
- Watch expiry rules. Some points expire if inactive.
- Never overspend to earn points.
Where points work best
Points often offer good value on long-haul trips in premium cabins, or on short flights where cash prices are high.
Protect yourself
Beware of sites claiming guaranteed free flights. Use only official programmes.
Programme rules change often, so read the terms before you spend. This article is not financial advice.
