Points.com: A Complete Guide to Buying Points and Miles

Once you realize the amazing trips you can take by redeeming miles and points for award flights and hotel stays, you inevitably are more aware of ways to acquire more.

This often leads to you wondering whether buying miles or points for these trips is a good deal. Airlines and hotels often send out emails to their loyalty program members promoting sales on miles and points that offer 40%, 50%, and even 100% bonus miles on top of the usual amount.

Many loyalty programs have contracted Points.com to run these miles- and points-selling programs for them. Let’s dig into what Points.com has to offer and whether you should buy miles from them.

What Is Points.com?

Points.com is a company that partners with airlines and hotel loyalty programs to run their miles and points promotions. If you’ve heard of Points.com before, it’s likely it was through one of these promotions.

In fact, if you buy miles or points from an airline or hotel, you most likely are making a purchase from Points.com rather than directly with the airline.

This is an important distinction, as a purchase with Points.com does not code as a travel purchase, nor will it code as a purchase with whichever airline or hotel program you’re buying points for. That makes the purchase ineligible for a bonus multiplier on your travel rewards cards.

The prices you’re charged for buying miles and points can be high relative to the value you can get from them, so you want to be sure you have all the necessary information before making a purchase with a Points.com partner.

Points.com used to have a loyalty program tracking service called Loyalty Wallet that allowed you to keep track of your miles and points as well as exchange or redeem your miles. But the company eliminated the Loyalty Wallet service in September 2022.

Hot Tip: New to points and miles? Read our Beginner’s Guide to Points to get started. 

Points.com Partners

Points.com partners with more than 60 airline, travel, hotel, retail and financial loyalty programs. This includes airlines such as Air Canada, Alaska Airlines, and Southwest, as well as hotel chains including IHG, Hyatt and Marriott.

Best Credit Cards To Use on Points.com

If you’re going to buy miles or points from one of these airline or hotel partners, make sure you use a credit card that gets you the best return for your purchase.

Purchases through Points.com do not code as travel purchases, so you do not receive any bonus multiplier for using a card that rewards travel purchases like the Chase Sapphire Reserve^®. Be careful not to mix up where you’re buying your points or you won’t utilize your credit card’s bonus categories.

If you want to earn Chase Ultimate Rewards when buying miles or points through Points.com, check out the Chase Freedom Unlimited^®, which earns 1.5% cash-back on all purchases.

If you want to earn American Express Membership Rewards, there isn’t a better option than The Blue Business^® Plus Credit Card from American Express, which earns 2x points on all purchases up to $50,000 in spending every calendar year. When you buy miles or points through Points.com, this card earns more points than any other Amex card on the market.

While the vast majority of hotels and airlines use Points.com to process their purchases, there are a few that sell miles or points directly. If you’re not sure if your purchase is directly through the airline or via Points.com, check the URL of the site you’re on. If it contains a “Points.com” address, then your purchase is being processed by Points.com. If the URL shows “aa.com” or the address of an airline or hotel company, then you are buying miles or points directly from that airline or hotel.

Understanding who is actually processing your purchase transaction will help you make sure to use the right card when buying miles or points.

If buy miles directly from an airline, the purchase codes as an airline purchase. While most purchases of airline miles are processed by Points.com, there are a few airlines that sell miles directly, such as American Airlines. If you do buy miles from American or another airline that sells miles directly, you can really maximize your returns by earning 3 points per $1 with the Chase Sapphire Reserve card, 3 points per $1 with the American Express^® Gold Card, or 5 points per $1 with the Platinum Card^® from American Express (up to $500,000 per year).

By using a card that earns you the most points possible, you also earn a bunch of points that can be redeemed for future travel in addition to your purchased miles.

Hot Tip: If you need inspiration for future award flights, check out the best ways to redeem Chase Ultimate Rewards and the best ways to redeem Amex Membership Rewards.

When Should You Buy Miles or Points?

Now that you know what to expect when buying miles or points, the question comes down to whether you should buy them at all.

The simple answer is that it depends on your personal situation. Let’s take a look at a few examples of when buying miles or points might be a good move for you.

Prevent Miles or Points From Expiring

Many loyalty programs require activity on an account every 12 to 24 months for the miles or points to remain active. This isn’t usually a problem, but sometimes life events drastically cut down our ability to travel for an extended period of time. It would be a shame to lose your hard-earned points because of these situations.

Often an account can be kept active by something as simple as earning or redeeming miles or points. With that in mind, buying miles or points can get you the account activity you need very quickly to ensure your miles or points don’t expire.

There are better ways to prevent expiration if you plan ahead just a little bit. By using a service like AwardWallet, you know the expiration date of your miles and points. AwardWallet will send you alerts so you’re never caught off guard.

With that information, if the airline or hotel program is one of the Chase transfer partners or American Express transfer partners, you can transfer miles to reset their expiration date. Or you can use a co-branded credit card to make a purchase, though the points won’t post until your statement closes, so this might not be quick enough.

You could also use an airline or hotel shopping portal to make an upcoming purchase. You might even go eat at a restaurant that participates in an airline or hotel dining program.

If for some reason none of these work out for you, buying miles or points can be a solid backup plan for keeping your account active.

Top Off an Account for a Specific Award Redemption

Sometimes you can do everything right but the timing of released award space does not quite fit your schedule and you’re still a few thousand miles short of an amazing redemption. This is when topping off your account by buying miles can make a lot of sense.

For example, let’s say you want to book the famous Etihad Apartments from John F. Kennedy International Airport in New York City (JFK) to Abu Dhabi International Airport (AUH). You have nearly enough American AAdvantage miles but you’re just a bit short. You know that award availability can be tough to find on this flight from JFK, and buying the last few thousand miles could solve your problem.

American Airlines allows you to place 5-day holds on award flights, which means you can place the award you want on hold before buying the miles you need. This ensures that the award doesn’t disappear while you wait for the miles you just bought to deposit in your account!

Bottom Line: Definitely take advantage of a hold on your award ticket, if offered, before buying miles! Not all airlines allow holds on award tickets, but some airlines with great business and first-class products do, like Cathay Pacific, Lufthansa, and Singapore Airlines.

Limited Access to Credit Cards That Earn Points

In the U.S., many people have access to credit cards that earn miles and points. These credit cards often come with welcome bonus offers that go a long way toward helping you book award flights. However, in other parts of the world, there often aren’t as many credit card options.

If this is the case for you, buying miles can be a creative way to cut down on the cost of a fun flight. While the out-of-pocket cost to purchase miles could still be a couple of thousand dollars for a business- or first-class flight, this can be a fraction of the cost of buying the same ticket with cash.

Time your purchases wisely during big sales so you can get the most miles possible.

Do Not Buy Miles or Points Speculatively

We’ve discussed when it might make sense to buy miles, but we need to be clear that buying miles speculatively is a very risky decision. If you don’t know exactly when you’ll be using the miles you buy, don’t buy the miles!

In fact, the ideal time to buy miles (if absolutely necessary) is right before you redeem them. Miles and points are not an investment that increases in value over time, so buying and holding them is extremely risky. When you consider the no-notice devaluations of award programs that we’ve seen by airlines such as Delta, this should be very clear.

Bottom Line: Don’t buy miles unless you know exactly what you are going to do with them!

Final Thoughts

Buying miles isn’t for everyone. Purchasing a few miles here and there might not cost too much, but buying a significant chunk of miles can easily cost you hundreds or thousands of dollars. With that in mind, it’s vital that you be strategic when purchasing miles.

If there is a sale on miles and you have an award you would like to book, it may be the right move for you. Otherwise, utilize your credit card spending and welcome bonus offers to plan ahead.

Remember, if you buy miles, make sure you are going to get a ton of value out of them! After all, the point of your miles and points is not to spend more than necessary for a redemption!