We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

The Secret to Getting Free Flights AND Frequent Flyer Miles!

The Secret to Getting Free Flights AND Frequent Flyer Miles!

Million Mile SecretsThe Secret to Getting Free Flights AND Frequent Flyer Miles!Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Are you tired of collecting the miles you need for a flight only to not be able to find an open award seat?

When you pay for flights with bank points (or cash back) you can book almost any flight with no blackout dates.  And you will earn frequent flyer miles, and elite status credit.

The Secret To Getting Free Flights AND Frequent Flyer Miles
When You Pay for Flights With Bank Points You’ll Still Earn Frequent Flyer Miles!

Million Mile Secrets reader Tom asked:

I want to use the Chase Ultimate Rewards travel portal or the AMEX Membership Rewards travel center to buy American Airlines flights with points.  Will I earn American Airlines miles AND move toward loyalty status like a cash buyer?

You will, Tom!

Lots of folks want to double-dip with free flights while earning elite status credit.  There are plenty of credit card points you can use to pay for flights with points.

I’ll explain your options!

Pay for Flights With Points

When you pay for flights with bank points, it works a lot like cash back.  Except you’ll often get a better redemption rate.  This is a great option if you can’t find award seats because there are no blackout dates when you pay with points.

All of the major transferable points programs have a pay with points option.  And many non-transferable points have one as well.  But depending on the flight, paying with points isn’t always the best deal!

1.   Chase Ultimate Rewards

Link:   Why Chase Ultimate Rewards are My Favorite Points

Link:   My Favorite Card For Beginners

You can redeem Chase Ultimate Rewards points for flights through the Chase travel portal.  What your points are worth depends on which Chase credit card you have.

You can redeem points towards flights at a rate of:

This where it gets tricky.  Cheaper flights will require fewer points if you book through Chase.  But for more expensive flights, you’ll likely be better off transferring to an airline for an award.

For example, both American Airlines and United Airlines charge 12,500 miles for a one-way saver-level award from Chicago to Miami.  If you have the Chase Sapphire Preferred or Chase Ink Business Preferred you could redeem points for the same flights at almost half what it would cost for the award flight!

The Secret To Getting Free Flights AND Frequent Flyer Miles
You Can Save Points on Cheap Flights by Paying With Points

If you’re looking to book a more expensive flight, then you’d be better off transferring points to book your flights unless you can’t find an award seat.  Or if you’re close to earning elite status with an airline, you might want to pay with points.

Always run the numbers and do what is best for your situation!

2.    AMEX Membership Rewards

You can earn AMEX Membership Rewards points with the following cards:

Personal CardsBusiness Cards
Premier Rewards Gold Card From American ExpressThe Business Gold Rewards Card from American Express OPEN
The Platinum Card® from American Express Exclusively for Mercedes-BenzThe Blue Business℠ Plus Credit Card from American Express
The Platinum Card® from American Express
AMEX EveryDay® Credit Card from American Express


Business Green Rewards Card from American Express OPEN
Amex EveryDay® Preferred Credit Card

You can redeem AMEX Membership Rewards points for 1 cent per point towards airfare.  You’ll need at least 5,000 points to make a redemption through the AMEX travel site.

AMEX Membership Rewards has lots of great transfer partners that can get you Big Travel with Small Money.  So redeeming AMEX Membership Rewards points at a rate of 1 cent per point is usually NOT your best option, because there are so many other less valuable points that offer the same 1 cent per point value.

The Secret To Getting Free Flights AND Frequent Flyer Miles
You Can Pay for Flights With AMEX Membership Rewards Points. But Many Times You’re Better off Transferring Your Points to Travel Partners!

Did you know that if you have the AMEX Business Platinum card you will receive a 35% rebate on points redeemed for certain airfare?

3.   Citi ThankYou Points

You can use any amount of points to book your flights at 1.25 cents per point through the ThankYou Travel Center when you have:

Paying for airfare with Citi ThankYou points is can be a good deal on cheaper flights.  Usually, domestic round-trip awards cost 25,000 miles.  So if the price of your flight is less than ~$312 you can book it with fewer points if you pay with your Citi ThankYou points directly (~$312 / 1.25 cents = 25,000 points).

Domestic round-trip Business Class seats are usually 50,000 miles, and can cost $1,000+.  But redeeming 50,000 points at 1.25 cents per point would only get you $625 worth of airfare (50,000 X 1.25 cents = $625).  So for expensive Business Class or First Class flights it’s usually better to transfer your points to an airline and book an award.

4.   Paying With Other Bank Points

I prefer to use my valuable flexible points with their transfer partners.  So whenever possible I would pay with these other credit card points first, because they have a set value and you can NOT transfer them to airlines for award flights.

Note:   Starting December 31, 2017US Bank Flexpoints will be worth 1.5 cents per point toward travel expenses.

Bottom Line

Folks love getting free flights with points and miles.  But when you book award tickets with airline miles, you will NOT earn frequent flyer miles or status with the airline.

However, many banks offer the option to pay for your flights with points or cash back.  When you do this, you can get a free flight AND earn frequent flyer miles at the same time!

Each bank has different values for redeeming their points, and there are certain situations where paying with points is NOT the best option.  This is often the case with more expensive flights.

Thanks for the question, Tom!

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

The Business Platinum® Card from American Express OPEN

The Business Platinum® Card from American Express OPEN

  • Limited Time Offer: Earn up to 100,000 Membership Rewards® Points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 & an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. Offer ends 8/8/18.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
  • Terms Apply
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!