8 Credit Cards With Miles That Don’t Expire (2024)
Updated:
Writer: Ashley Fricker
Ashley Fricker, Senior Editor
Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.
Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.
Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.
Credit cards with miles that don’t expire are like savings accounts for your next big trip. Instead of redeeming cash back and points rewards when they post to your account, you can build up your miles over time to pay for all or part of your next flight.
And if you don’t have enough to cover the cost of your flight, you can still use your banked miles to pay for a seat upgrade, checked bag, or in-flight purchase.
With the cards below, you won’t have to worry about losing your earned credit card rewards if you don’t redeem them quickly. That’s important because the only thing more annoying than expired miles are the people who get up and clog the exit aisles as soon as the plane lands.
Below is our list of the best credit cards with air miles that don’t expire. Some are co-branded credit card options and others allow you to use your earned miles with any airline — or to cover other travel-related expenses.
That means you can also redeem your miles to pay for hotel stays, rental cars, ride-sharing services, or even meals on the road.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
The Capital One Venture Rewards Credit Card is a top travel rewards credit card because it allows you to redeem your earned miles to cover the cost of previous travel-related expenses. And since you’re paying for expenses that you’ve already charged, you don’t have to worry about blackout dates or carrier restrictions.
If that weren’t enough, this card also regularly provides a chance to earn bonus miles through a sign up bonus for new cardholders. And you can receive a statement credit for Global Entry or TSA PreCheck® — all while earning a flat and unlimited miles reward on all eligible purchases.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase
No annual fee
Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Discover is accepted nationwide by 99% of the places that take credit cards.
With the Discover it® Miles card, you can earn unlimited miles on all eligible purchases — not just travel purchases — and receive a match of your entire earnings amount at the end of your first year with the card. That’s the same as earning double miles on every purchase for an entire year.
You can redeem your miles to cover the cost of previous travel expenses — which means you’ll face no blackout dates or carrier restrictions. Discover defines travel expenses broadly, which allows you to cover the cost of everything from airfare to ride-shares.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
The Capital One VentureOne Rewards Credit Card may not have all of the bells and whistles of its top-ranked Venture Rewards sibling, but the lack of an annual fee may make this card more attractive to some, and they’ll still earn a generous sign up bonus.
There’s no limit to the number of miles you can earn, and your miles will never expire. And if you’re traveling abroad, you won’t pay a foreign transactions fee for any purchase made outside of the U.S.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
The Capital One Venture X Rewards Credit Card is a Capital One premium card offering with huge signup bonus potential and miles that never expire. While it charges a hefty annual fee, the card easily pays for itself when you use the annual travel credit and bonus miles you receive each card anniversary.
This card also comes with several other travel benefits that make it a worthy addition to your wallet.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
OVERALL RATING
4.6/5.0
Delta SkyMiles® Reserve Business Card
4.6/5.0
About this rating
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Earn 75,000 bonus miles after you spend $10,000 in purchases on your new card in your first 6 months of card membership
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta, all other purchases earn 1 Mile per dollar spent
Earn 1.5x miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your Card in a year
Enjoy complimentary access to Delta Sky Clubs plus complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card
Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner
Delta calls itself “The World’s Most Trusted Airline,” and its co-branded credit card tries to live up to that slogan. With the Delta SkyMiles® Reserve Business Card, you can earn Delta SkyMiles to charge your everyday purchases. The more you charge, the higher your credit card rewards rate climbs.
Cardholders can also earn complimentary access to The Centurion® Lounge and a Domestic First Class, Delta Comfort+®, or Main Cabin round-trip companion certificate each year upon account renewal. Those two perks alone just about cover the cost of the card’s annual fee.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
If your business keeps you on the move, the Capital One Spark Miles for Business card can get you where you’re going for less. That’s because this card regularly offers a sign up bonus that pays out a generous amount of bonus miles in addition to valuable cardholder benefits. These benefits include unlimited miles that don’t expire and the ability to transfer those miles to earn free flights, elite status, or frequent flyer points with many of the top loyalty program options in the airline industry.
A cardholder may also qualify for a waived annual fee during their first year and a statement credit that covers the cost of their TSA PreCheck® or Global Entry application fee.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
OVERALL RATING
4.6/5.0
Delta SkyMiles® Blue American Express Card
4.6/5.0
About this rating
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Earn 10,000 bonus miles after spending $1,000 in purchases on your new card in your first 6 months of card membership
Earn 2X miles at restaurants (including takeout and delivery) and 2X miles for every dollar spent on eligible purchases made directly with Delta. Earn 1X miles on all other purchases.
Receive a 20% savings in the form of a statement credit after you use your card on eligible Delta in-flight purchases of food, beverages, and audio headsets
Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com
If Delta miles are your thing, the Delta SkyMiles® Blue American Express Card can help you rack up rewards quickly with a potentially hefty sign up bonus and a large miles rewards point rate for your everyday purchases.
You can also earn savings on in-flight purchases when you use your card and enjoy discounted airfare and other services — all with no annual fee.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
OVERALL RATING
4.6/5.0
Delta SkyMiles® Platinum Business Card
4.6/5.0
About this rating
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Signup bonuses and intro APRs
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new card in your first 6 months of card membership
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and purchases made directly with hotels
Earn 1.5x miles up to $100,000 of combined eligible purchases per year on transit including rideshares, taxicabs, and more, at U.S. shipping providers, and on single eligible purchases of $5,000 or more
You can check your first bag for free and save up to $60 on a round-trip Delta flight, plus enjoy early boarding on Delta flights
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner
Delta is well represented on this list for a reason. Although the Delta SkyMiles® Platinum Business Card is the third-ranked Delta co-branded airline credit card on this list, it’s still one of the best airline cards in the industry. Cardholders receive priority boarding on Delta flights and early access to overhead compartment space.
This card features a very attainable sign up bonus that pays out a large sum of Delta miles. Everyday purchases, as well as spending through Delta, can pile on even more miles. A free checked bag on every flight is another way to make this card work for you and your business.
Do Credit Card Miles Expire?
Every travel rewards card and airline credit card has its own set of rules regarding how soon you must redeem your miles. While the cards ranked above have no expiration date on your rewards program earnings, other cards may force you to use your rewards balance within a certain time frame.
Even if you don’t have to worry about miles or points expiration, you may find that your rewards program may institute blackout dates or carrier restrictions that limit how and when you can use your miles.
These cards allow you to redeem your miles to cover the cost of previous travel expenses. That means you can book a trip without restrictions and use your miles to pay for all or part of the charge.
And your miles will never expire, as long as you keep your credit card account open and in good standing. That’s more convenient than the conditions on some airline cards, which will only allow you to use your earned frequent flyer miles with the branded airline during non-peak times.
How Do I Earn Credit Card Miles?
If you have a travel rewards credit card that pays out miles, you can earn miles on every purchase you make — not just travel purchases.
Just as with a cash back credit card, you can earn a set number of miles for every dollar you charge to your card. For example, a card that pays out 2X miles will give you two miles for every dollar you spend.
Some cards allow you to earn bonus miles when you make purchases or book flights through a specific airline or booking agency, or use your card at specific merchants, like restaurants or gas stations. These types of transactions all help you increase your reward point potential.
Your miles will continue to accrue in your account until you redeem them. You don’t have to worry about expired miles or credit card points going to waste with any of the cards listed above — as long as your account remains open and in good standing.
What Credit Score is Needed to Get an Airline Miles Card?
Most travel rewards credit cards will consider applications from consumers who have good credit or better. In general terms, that means a FICO score of 670 or greater.
If you’re concerned that your credit score may keep you from getting the travel rewards card you want, you can look for a card that allows you to prequalify without a hard inquiry on your credit report that may harm your credit score. Although prequalifying isn’t a guarantee that you’ll receive the card, it can give you peace of mind before you apply.
What Happens If I Don’t Use My Miles?
Some cards have a use-it-or-lose-it policy — if you don’t redeem your rewards by a certain time, they’re deleted from your account and gone forever. But with the cards listed above, you don’t have to worry about expired miles.
But don’t forget to redeem your miles or credit card points if you plan to close your account. They won’t be there after the account is closed, and you will lose them.
What Perks Can You Redeem Miles Rewards For?
You can use your earned travel rewards for a host of options. Some cards allow you to use your miles to cover the cost of previous travel-related expenses — including airfare, rental cars, hotel points, ride-sharing, and other charges. Or you can transfer them to frequent flyer miles.
Miles cards usually provide more redemption options than just paying for flights.
Co-branded airline mile cards allow you to use your miles to pay for flights, seat upgrades, in-flight purchases, and checked bags. Some may also offer free access to airport lounges, elite status with the airline’s loyalty program, gift card options, priority boarding, and other perks.
Find the Best Credit Cards With Miles That Don’t Expire
You are likely to find plenty of travel rewards cards available whether you want all-inclusive travel miles, AAdvantage Miles, Chase Sapphire Ultimate Rewards points, Citi ThankYou Points, or perks through another rewards program.
But before you hit submit on your online application, be sure that your earned rewards won’t expire if you don’t use them quickly. After all, saving up your rewards for a dream vacation is part of the fun of having a travel rewards credit card.
With the cards above, you can save for as long as you’d like — and enjoy the fruits of your labor when the time is right.
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