Airline Miles vs. Bank Points: The Comparison

You can earn United miles directly from a United card, or earn Chase points that transfer to United. Which is better?

Airline Miles (Direct)

Programs: United MileagePlus, Delta SkyMiles, American AAdvantage, Southwest Rapid Rewards

Pros:

• Elite status qualification from spend
• Airline-specific perks (free bags, priority boarding)
• Sometimes higher earning on that airline
• No transfer needed

Cons:

• Locked to one airline
• Subject to devaluations
• Less flexibility

When to Choose Airline Miles

• You always fly one airline
• You’re close to elite status
• That airline has the best routes for you
• You get outsized value from their card

The Bottom Line

Bank points are better for most people. Flexibility protects you from devaluations and airline changes. Only prioritize airline miles if you’re committed to one carrier and value their specific perks.