It can be tough to keep up with airline and hotel rewards programs and their point expiration policies. Generally, points will expire after 12 to 24 months of inactivity. This means if, during a specified period, you do not earn or redeem miles, you will automatically forfeit them.

Who Is American Express Membership Rewards Good For?

Like Chase Ultimate Rewards, American Express Membership Rewards is a transfer program. It’s not intrinsically tied to any one hotel or airline, so accruing points with it allows you to redeem for a wide variety of travel options.

Enough is enough. It’s time to set the record straight.

The credit card industry, especially during the recession, has done too good of a job selling consumers on the value of cash back credit cards.

Airline and hotel programs are designed to get you to fly on their planes and to stay in their hotels. But we all know its not an exclusive relationship for many. While these programs are great for collecting miles and points for your low-cost travel, they are not the only programs you should be considering if you trade in your rewards for travel.