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Traveler’s guide to the best frequent flyer programs

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Published on September 08, 2025 | 3 min read

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Key takeaways

  • Frequent flyer programs offer rewards to encourage customer loyalty.
  • Rewards are issued in the form of miles or points, and you can also earn elite status to qualify for upgrades and other perks.
  • Although all frequent flyer programs are free to join, consider focusing on one primary program for earning rewards and status to start.

Since they were introduced decades ago, savvy travel hackers have figured out how to leverage frequent flyer programs for heavily discounted (and upgraded) travel. But you don’t have to be a seasoned pro to get started. All it takes is a quick sign-up process, a bit of research into the different ways to earn miles and remembering to credit your flights to your account.

While frequent flyer programs are free to join — and you can certainly sign up for all of them — it’s often best to focus on one primary program with which to earn status. But with so many options, how do you choose?

What is the best frequent flyer program?

The best frequent flyer program depends on your hub city, travel habits and goals. As hub cities go, if you’re based in Houston, United MileagePlus might be a good fit, while American AAdvantage is better suited to those living in Dallas. If your goals involve using miles to travel abroad, the allure of Southwest Rapid Rewards might be lost on you.

Your location aside, most frequent flyer programs make earning miles and elite status easy while offering reasonable redemption rates, especially when a program’s airline partners with popular travel rewards credit cards.

While some of the best programs are affiliated with foreign carriers, you don’t have to fly with them to earn status or miles. You can travel with U.S. airlines on the same network as those foreign carriers and credit your flight to the foreign rewards program for better value.

Here’s a look at the best frequent flyer programs within Oneworld, SkyTeam and Star Alliance:

Atmos Rewards: 4.7/5

American Airlines: 3.3/5

Learn More in our Bankrate review

Turkish Miles&Smiles: 4.1/5

Air France-KLM Flying Blue: 3.7/5

Learn More in our Bankrate review

Delta SkyMiles: 4/5

Southwest Rapid Rewards: 3.5/5

Learn More in our Bankrate review

United MileagePlus: 4.3/5

How to choose the best frequent flyer program for you

Choosing the best frequent flyer program comes down to numerous personal factors, including which airlines service your area as well as your travel and status goals. To help you choose the ideal pick, ask yourself the following questions:

  • Which airlines service your home airport? If you live in an Alaska Airlines or American Airlines hub city, then either of those frequent flyer programs would be a fit for you. You’ll have an easier time earning miles and elite status when paying for flights, along with ample opportunities to redeem those miles for travel.
  • What are your priorities for rewards? If you fly United frequently and want to redeem miles for international business class, you may want to consider crediting your flights to Air Canada Aeroplan. The program has lower redemption rates than United on many of the same flights, making it an excellent frequent flyer program for earning and burning miles.
  • What are your travel goals? If your goal is Portugal, for example, you could choose a partner airline like United or Avianca, since they’re all part of the Star Alliance, which services Portugal. Or if you want to travel to South America, you might choose an airline with frequent flights to your goal destination.
  • Is your travel mostly focused domestically or internationally? If your goal is to fly international first class, then an airline like Southwest Rapid Rewards isn’t the best program for you since Southwest flies mostly domestic routes and has no first class equivalent. While you should claim your miles when flying Southwest, you can probably skip the co-branded credit card.

Frequent flyer programs: Are they worth it?

The value of a frequent flyer program depends on how often and strategically you travel. Ultimately, frequent flyer plans are worth it if you’re willing to stay loyal to one airline or alliance and leverage your rewards strategically to maximize their value. However, the benefits may be limited for infrequent travelers, as earning enough miles or points for meaningful rewards can take years. Determining whether a program aligns with your travel habits and goals is key.

If you often fly for business or leisure, earning elite status can enhance your travel experience with perks like complimentary upgrades and lounge access. Additionally, pairing a frequent flyer program with a co-branded credit card can accelerate your rewards.

*Information about the Atmos™ Rewards Summit Visa Infinite® Credit Card, Atmos™ Rewards Visa Signature® Business Card, Alaska Airlines Visa® Signature card, Alaska Airlines Visa® Business card, Air France KLM World Elite Mastercard®, United Quest℠ Card and United Club℠ Infinite Card has been collected independently by Bankrate. The card details have not been reviewed or approved by the card issuer.

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