There are a number of ways to keep your frequent flier account active, even without a credit card. They might take a little time and money, but investing to preserve a cache of valuable frequent flier miles can make sense
Dear Cashing In,
How do you keep reward miles from expiring when you no longer have a credit card to create a transaction? — Ron
It’s smart to pay attention to the expiration dates on your frequent flier accounts. With most airlines, your miles will expire and disappear if you have no activity in your frequent flier account for an established period of time, typically 18 to 36 months.
There are a number of ways you can keep your account active. They might take a bit of time to investigate, and maybe a bit of money. But investing some effort to preserve a cache of valuable frequent flier miles can make sense.
Remember, all you need to keep the account active is some kind of activity: an addition of miles or a reduction of miles. Because of the airlines’ many promotional tie-ins and business partners, there are a lot of opportunities to do this besides flying and using a credit card.
1. Shop at the airline’s online mall. Most have dozens if not hundreds of merchants, and all you need to do is register your frequent flier number and credit card. It does not have to be an airline card. When you complete a purchase, you earn miles, typically between one and five miles per $1 you spend. It might make sense to buy a gift or something you need for yourself this way. Or you could find something cheap, such as a $1 credit on iTunes.
2. Donate miles to charity. For instance, Delta’s website lists 17 charities that will gladly accept your frequent flier miles, including the American Cancer Society, the Nature Conservancy and the Salvation Army. Each has a minimum donation of 1,000 miles.
3. Transfer miles to a friend or family member, though that’s a little costly. United, for instance, charges $15 per 1,000 miles, plus a $20 “processing fee.”
4. Join a dining program. Most airlines have programs where you register a credit card and your frequent flier number, and when you eat out at a certain restaurant, you earn miles. In some cases, you can earn miles just by signing up
If you read the fine print on all of these offers, you’ll see that in just about all of them, the miles can take up to eight weeks to post. That means you shouldn’t wait until the last minute to post activity to your account.
5. Use other partner services. There are plenty of other ways to rack up miles, too — rental cars, hotels, newspapers, joining a gym, refinancing a house, taking online surveys. If you spend a few minutes looking around the airline’s website, you’ll probably find some opportunity to keep your account active.
If all else fails and your miles expire, many airlines will now graciously allow you to reactive them … for a fee, of course. For instance, American Airlines charges $200 (plus tax) to reactivate up to 50,000 miles. For $600 you can reactivate more than 75,000 expired miles.
Good job paying attention to your account, Ron, so you won’t have to fork over money to the airline to hang onto the miles you’ve earned.