How Actually Do Credit Card Miles Work?


Credit card miles are simply considered a form of benefit certain people derive from the use of their credit cards. If you’re a frequent user of an airline co-branded credit card for purchases, you’re very likely to earn a decent number of miles which could be eventually exchanged for a free flight.

Some airline customers have credit cards which they use in making purchases frequently. Meanwhile, these customers derive benefits in the sense that the more purchases they make using these cards, the more miles they earn for themselves.

How Do Credit Card Miles Work?

For the ease of understanding how credit card miles work, you have to consider two major things namely (i) the way credit miles are earned, and (ii) the way they are redeemed.

Miles may be earned in another way but earning them through credit cards is more beneficial because you’ll have the chance to increase the number of ways you can obtain regular flyer miles and even maintain them for considerably longer periods. 

Meanwhile, it’s worthy of note that your entire miles won’t be recorded in your bank account but in your frequent flyer account and this way, the actual use of your miles will be slightly separated from your credit card.

How Does Your Credit Card Fetch You Miles?

It’s very essential to discuss how miles can be earned through the use of a credit card. In fact, any discussion about credit card miles will seem incomplete if it doesn’t explain how the use of a credit card can help in fetching miles.

Basically, a holder of an airline co-branded credit card will utilize the device for completing transactions such as buying groceries and each time this is done, a certain amount of miles will be earned and recorded in the frequent flyer account of the primary account holder it’s simply a lifetailored to your needs

Importantly, you have to bear in mind that you –as an account holder –can’t earn through any transaction other than purchases of gas, groceries and just any other item that may be charged to your credit card. While it’s possible to earn additional miles (precisely through sign-up bonuses), you can have high or low rates of earning miles depending on the credit card in your wallet.

Also, if you’re already earning miles from an airline through a separate activity (such as buying a ticket), the miles generated via credit card purchases will be recorded in addition to the base miles.

Using Miles Earned through a Credit Card

The miles you earn through credit card purchases will be recorded in your account and once this is done, you’ll be allowed to exchange them for free flights.

However, the majority of the airlines out there require you to have fetched a considerable amount of miles to make payment for the entire ticket. In other words, you’re not allowed to combine cash with insufficient miles in order to reach the amount of miles needed for a free flight except in the case of a few programs.

In finding out the actual amount of miles required for a free flight, some of the factors you should bear in mind are your type of cabin, your destination and the airline you’re flying with.

On the average, a mile is worth $0.01 but at times, you’re likely to enjoy a considerably higher mile value if you go on frequent shopping with your credit card. Also noteworthy is that some airlines offer better average mile values compared to other airlines. In point of fact, mile value is one of the most essential factors you should consider while using miles to pay for flights.

About Author

LaDonna Dennis

LaDonna Dennis is the founder and creator of Mom Blog Society. She wears many hats. She is a Homemaker*Blogger*Crafter*Reader*Pinner*Friend*Animal Lover* Former writer of Frost Illustrated and, Cancer...SURVIVOR! LaDonna is happily married to the love of her life, the mother of 3 grown children and "Grams" to 3 grandchildren. She adores animals and has four furbabies: Makia ( a German Shepherd, whose mission in life is to be her attached to her hip) and Hachie, (an OCD Alaskan Malamute, and Akia (An Alaskan Malamute) who is just sweet as can be. And Sassy, a four-month-old German Shepherd who has quickly stolen her heart and become the most precious fur baby of all times. Aside from the humans in her life, LaDonna's fur babies are her world.

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