Now that you have accumulated a sizable collection of miles and points in various programs and have learned how to manage them with the spreadsheets I provided in our “Miles & Points 101” series, you might still wonder when your hard-earned miles and points are set to expire. This post is meant to provide a quick reference for the expiration policies of major airline, hotel, and credit card loyalty programs, via a few tables with links to the official program rules.
At the end of the post, you will have an opportunity to sign up for a limited-timeFREELIFETIME premier membership for Usingmiles.com (valued at $29.99 per year!), a loyalty website that helps you manage all of your loyalty and reward programs in one place.
As a beginner, you might find that there are an overwhelming number of travel-related credit cards out there. In the past year or two, credit card sign-up bonuses have become so good that a general rule of thumb is NOT to apply for a card unless you get at least $500 (which generally means 50,000 miles/points). Some of the best offers last year all came with 75,000 or 100,000 sign-up bonuses. To help you answer the question “What credit card(s) should you get?” I am going to start by giving you a quick rundown on the three different types of miles & points credit cards.