Whats the Difference Between Points and Miles on a Credit Card?

The difference between points and miles on a credit card is that points can be earned on different types of rewards credit cards, whereas miles are earned on airline or travel credit cards. Points often have more redemption flexibility than miles, which are primarily used for travel expenses.

Credit Card Points vs. Miles

While points are often redeemed for travel expenses such as airfare and hotel stays, they tend to be more versatile than miles, as you can also redeem them for statement credits, gift cards, or merchandise and get decent value in return. Some credit card miles are also redeemable for non-travel rewards, but for the most part, they’re best when redeemed for flights, flight-related purchases, and other travel expenses.

Credit card points and miles usually do not expire unless you or the credit card issuer closes the account. This may not be the case with credit cards co-branded with airline or hotel loyalty programs, so be sure to review the rewards program’s terms and conditions to be certain. It’s also a good idea to redeem points and miles often to minimize the risk of devaluation, which would make your rewards worth less than they were when you first earned them.