{"id":178,"date":"2020-08-24T13:00:00","date_gmt":"2020-08-24T13:00:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/how-to-choose-airline-loyalty-program-for-you\/"},"modified":"2025-09-05T19:48:45","modified_gmt":"2025-09-05T19:48:45","slug":"how-to-choose-airline-loyalty-program-for-you","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/how-to-choose-airline-loyalty-program-for-you\/","title":{"rendered":"How to Choose the Right Airline Loyalty Program for You"},"content":{"rendered":"
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August 2020<\/h4>\n<\/div>\n

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Disclaimer: Because of the screenshots of different airlines\u2019 sites in this post, it\u2019s probably best to read this on a desktop computer rather than a phone.<\/em><\/p>\n

Oh, man. This isn\u2019t a question that I get too often (probably because the Southwest Heart is tattooed across my forehead), but I think that may be because most of us don\u2019t really question who we fly. Growing up two miles from CVG, I always flew Delta because they had a chokehold on the Cincinnati market. <\/p>\n

In Dallas, most people fly Southwest or American (and they\u2019re not shy to tell you why they picked their Dallas airline of choice).<\/p>\n

So what\u2019s your favorite airline, and why is it Southwest?<\/p>\n

I kid.<\/p>\n

But some of us really do have options about which airline to hitch our checked luggage, and this post is intended to help you understand how, exactly, to evaluate an airline\u2019s loyalty program. Which airline is worthy<\/em> of your loyalty? Let\u2019s begin.<\/p>\n

Why you should care<\/h4>\n

Airline loyalty programs and their related credit card offerings can make or break a travel budget \u2014 as long as you know how to take advantage of the best ones.<\/p>\n

When assessing the value of an airline\u2019s loyalty offering, there are two approaches worth exploring: the obvious cash value of a single point, and the harder-to-define elements (upgrades, breadth of service, etc.).<\/p>\n

A traveler looking for a holistic perspective of value should look at a slew of difficult-to-quantify factors (in addition to the more obvious numbers) that can make the difference between long-term loyalty and a flash in the points pan.<\/p>\n

My favorite thing: Earning potential<\/h4>\n

winks.<\/em><\/strong><\/p>\n

First, it\u2019s important to dig into the obvious: how easy is it to earn points on the fare class you\u2019re most likely to purchase? <\/p>\n

If you typically purchase the least expensive ticket (think Basic Economy), it\u2019s unlikely you\u2019ll be able to amass a sizable number of points from travel alone. However, if you\u2019re riding high on an expense account or often buying First Class seats, the earn rate might be a larger factor.<\/p>\n

Some airlines reward customers for choosing the higher fare by increasing the points or miles multiplier. To assess any given airline, this is a pretty basic trial-and-error test. <\/p>\n

The math homework below rivals that of a 6th grade entrance exam, but it\u2019s worth it to determine the best option. <\/p>\n

Choosing a weekend at random (e.g., July 10-12, 2020) and a route that\u2019s profitable and popular for both airlines to make it as comparable as possible, the first step is to look at two different airlines\u2019 price and points\/miles breakdowns.<\/p>\n

Consider a roundtrip, Main Cabin ticket on Delta for DFW-ATL at $496.20. This purchase earns 2,380 miles, making the cost per mile approximately 21 cents.<\/p>\n<\/div>\n

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The cost of a First Class ticket for the same route on the same day is $729.20, earning 3,545 miles \u2013 this works out to (again) about 21 cents per mile. <\/p>\n<\/div>\n

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This is crucial information because it means Delta\u2019s fare classes are treated equally from an earning perspective.<\/em><\/p>\n

Now consider the same route on Southwest: the Wanna Get Away fares (similar to Main Cabin) on the same day for a nonstop DAL-ATL route work out to about $303 roundtrip, earning 1,698 points (meaning that, roughly, each point costs 18 cents<\/strong>). <\/p>\n<\/div>\n

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That same trip in the most expensive fare class, Business Select, costs a whopping (and hardly justifiable) $906, but earns 10,630 points \u2013 making each point cost only 9 cents<\/strong>.<\/p>\n<\/div>\n

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And remember, we\u2019re talking about the cost of a point<\/strong>, not the value. The value<\/em> is how much you get in exchange for that point when you go to redeem it. The cost<\/em> is how much you have to spend in order to get it in the first place.<\/p>\n

You\u2019re doing great. Let\u2019s keep going.<\/p>\n

It\u2019s worth it to figure out (on average) about how much you\u2019d have to spend to earn points and if there are any Costco-style, buy-in-bulk benefits that come with more expensive fare classes. The formula to determine how much a point or mile costs is: <\/p>\n

[the cost of the ticket in cash<\/em>] \u00f7 [the number of points or miles earned<\/em>] = [the cost of a single point or mile<\/em>]<\/p>\n

TL; DR: It\u2019s hard to get points- or miles-rich by buying the types of fares most people choose.<\/strong> The more likely drivers for the average frequent flier will be credit card acquisition bonuses, referral bonuses, and ongoing spend in bonus categories, so that\u2019s worth considering at the outset when entering the airline loyalty program draft.<\/p>\n

Redemption values<\/h4>\n

The natural question that follows for most is: Great, so I\u2019ve got my 2,000 points \u2013 what can I do with them?<\/em> Ultimately, this is probably the most consequential thing to consider. A 60,000-point sign-up bonus doesn\u2019t mean much if one domestic roundtrip flight costs 58,000 points.<\/p>\n

Generally, the most helpful way to determine the standard ticket cost one can expect from a carrier (in miles or points) is by looking at the \u201caverage structure fare\u201d (in other words, not a close-in ticket value that\u2019s probably driven up by current demand) found in searches about 90 days out.<\/p>\n

Do miles go on sale when fares go on sale? E.g., does a roundtrip from Charlotte to Phoenix always cost 22,000 miles, regardless of whether the cash value of the fare is a $300 competitive match or a $900 close-in fare? <\/p>\n

By toggling between a fare within seven days from now and another for the same route that\u2019s three or more months away, it should be clear if the airline\u2019s points\/miles redemption values vary based on the cash value of a ticket. Here\u2019s an American Airlines CLT-PHX route that reflects the example mentioned above, for reference:<\/p>\n<\/div>\n

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A close-in Basic Economy fare for this route is $901.<\/p><\/div>\n

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The \u201cstructured fare\u201d is probably between $347 and $372.<\/p><\/div>\n

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90 days out, a $372 fare = 22,000 points to redeem.<\/p><\/div>\n

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The $901 fare costs 61,000 points to redeem.<\/p><\/div>\n

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That effectively tells us that American\u2019s point values for their routes are not static \u2013 they change as the price changes. The same isn\u2019t true for Hyatt, for example, where the price of a room could fluctuate between $250 and $600 but still cost 25,000 points per night regardless.<\/p>\n

Putting it together<\/h4>\n

Extending the earlier Dallas to Atlanta comparison using Delta and Southwest, pretend someone had<\/em> shelled out for the more expensive fare on Southwest to earn 10,000+ points \u2013 what can those do? In this example, the return leg of the trip would have<\/em> cost 8,883 points (had someone chosen to pay for it in points), meaning the points earned from the first trip would\u2019ve been enough to cover more than half of the second trip.<\/p>\n

In essence, someone could spend $906 <\/strong>on a Business Select roundtrip to earn a little more than a Wanna Get Away one-way for next time.<\/p>\n

The formula for determining the value of a point during the redemption half of the process is:<\/p>\n

[the cost of the ticket in cash<\/em>] \u00f7 [the cost of the ticket in points or miles<\/em>] = [the value of each point or mile<\/em>] <\/p>\n

In this redemption example, the Southwest point is valued at a little more than 1\u00a2.<\/p>\n

The Main Cabin return leg for the Delta scenario is 15,500 miles one-way \u2013 meaning someone would have to fly roundtrip between Dallas and Atlanta in First Class on Delta (for $729 a pop) five times to earn enough miles to book that Main Cabin one-way.<\/em><\/strong><\/p>\n

So what does this mean? On Delta, a flier interested in this route would have to spend around $3,646<\/strong> to earn their first one-way.<\/p>\n

And yet, the value of each mile is about 1\u00a2, just like Southwest.<\/p>\n

Listen, I don\u2019t make the rules. I just bend them.<\/p>\n

The headline here is that you could spend $906 on Southwest and earn half a trip. You\u2019d have to spend more than 4x that on Delta to earn the same thing.<\/p>\n

TL; DR: Rather than just looking at the value of each individual point or mile when redeeming, it\u2019s wise to consider the entire picture<\/strong> \u2013 the lower the bar to redeem, the easier it is to fly using hard-earned points or miles.<\/p>\n

More realistic earning opportunities<\/h4>\n

That brings other earning ability to the forefront \u2013 what does the airline\u2019s credit card breakdown look like in terms of sign-up bonuses? Are they offering any additional earning incentives in light of COVID? Most airlines have in-flight offers that are higher than their average offering; as a general rule, it\u2019s probably worth waiting until the card hits at least 60,000 in its sign-up bonus. <\/p>\n

In a lot of cases, it\u2019s great to get the airline card for the sign-up bonus, but often other cards (Sapphire Reserve with 3x points, AmEx Platinum with 5x, etc.) offer better incentives for flights than the airline cards themselves \u2013 and those cards offer transferability to pretty much any airline you could conceive of flying.<\/p>\n

In conclusion: once you land on the airline of their dreams, the best bet is to pair the airline\u2019s credit card with a travel card that\u2019s not tied to any particular loyalty program.<\/p>\n

Other considerations if you like flying how, when, and where you want<\/h4>\n

What additional tangible value can be squeezed from the loyalty program? Free upgrades, Companion Passes, free bags? Southwest and Alaska offer the ability to earn \u201cCompanion\u201d passes or certificates, both of which give another person (a) almost free or (b) deeply discounted travel when they fly with the primary traveler.<\/p>\n

It\u2019s worth noting that Southwest allows the Companion to fly free, unlimited, for an entire year, paying just $5.60 in taxes and fees each way, making it a slam dunk for savvy couples. The Alaska Companion Certificate is a once-annual benefit.<\/p>\n

Of course, the Southwest Companion Pass is more difficult to come by, while the once-annual Alaska benefit is a perk of their credit card \u2013 still working through the details of my \u201cHow to Earn Companion Pass\u201d article, so bear with me.<\/p>\n

It\u2019s also hard to overstate the importance of breadth of service from your home airport: an airline with an incredibly lucrative loyalty program probably won\u2019t mean much if they only offer connecting service from your city (especially if there\u2019s another carrier that has a substantially better network). <\/p>\n

Certain hubs probably fall under this category: Charlotte fliers will probably choose American Airlines, Portland fliers probably prefer Alaska, etc. <\/p>\n

Last, it\u2019s always worth making a nod to reward seat availability \u2013 while it\u2019s hard to assign a specific value to this, airlines that apply heavy blackout dates or rewards seat caps are inherently less valuable than those that enable booking whenever, wherever. <\/p>\n

An assessment of an airline loyalty program\u2019s value should almost definitely consider what types of restrictions are put on reward seats \u2013 if popular flights have low limits on how many seats can be booked in miles or points, it might be frustrating to attempt flying on popular weekends or routes.<\/p>\n

So who\u2019s the best?<\/h4>\n

I mean, you already know what I\u2019m going to say:<\/p>\n

Southwest Airlines clearly has the best loyalty program if you care about the ability to earn points that you can actually use for * gasp * redeeming flights. And if you had Companion Pass into the mix, it\u2019s a no-brainer.<\/p>\n

The only people I know who fly other airlines and actually enjoy it are people whose parents are Million-Miler Platinum Member Fancy Shmancy Expense Account Daddies who can use their bank of 10,000,000 points to book them free First Class seats. (To be clear, I\u2019m not putting down the Million Milers \u2013 I hope to be an Expense Account Daddy for my children someday, too.) <\/p>\n

My point is, regular people starting from scratch with no airline affiliation are going to get the most for their money from Southwest, hands-down. And lucky for you, the Southwest Rapid Rewards Credit Card is poised at a sweet 65,000-point bonus right now. Curious which card in the arsenal I chose for myself? Here\u2019s a breakdown<\/a>. If you\u2019re interested, you can apply here and hit the ground running<\/a>.<\/p>\n

Let me know who you choose once you enter the draft. See you next time! <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

August 2020 Disclaimer: Because of the screenshots of different airlines\u2019 sites in this post, it\u2019s probably best to read this on a desktop computer rather than a phone. Oh, man. This isn\u2019t a question that I get too often (probably because the Southwest Heart is tattooed across my forehead), but I think that may be […]<\/p>\n","protected":false},"author":178814,"featured_media":2448,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-everyday-spending-and-budgeting.php","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[45],"class_list":["post-178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel-rewards","tag-everyday-spending-and-budgeting"],"yoast_head":"\nHow to Choose the Right Airline Loyalty Program for You - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/how-to-choose-airline-loyalty-program-for-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Choose the Right Airline Loyalty Program for You - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"August 2020 Disclaimer: Because of the screenshots of different airlines\u2019 sites in this post, it\u2019s probably best to read this on a desktop computer rather than a phone. 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