Points vs. Miles: What’s the Difference (and Why It Matters)?

If you’re just starting your journey into the world of travel rewards, you’ve probably heard the terms points and miles tossed around a lot — sometimes even interchangeably.

But here’s the thing:
Points and miles aren’t exactly the same, and knowing the difference can help you make smarter decisions when it comes to choosing credit cards, booking travel, and maximizing your rewards.

Let’s break it down! 

What Are “Points”?

Points are rewards typically earned through credit card programs or bank loyalty programs, and they’re often more flexible than miles.

You’ll earn points when you:

• Use a rewards credit card (like Chase Sapphire Preferred or Capital One Venture)

• Spend in specific categories (like dining, groceries, or travel)

• Earn a welcome bonus after hitting a spending threshold

What Can You Do With Points?

Points can often be:

• Redeemed for travel (flights, hotels, car rentals, etc.)

• Transferred to travel partners like airlines or hotels

• Cashed out for gift cards or statement credits

• Used for purchases through a shopping portal

Examples of Points Programs:

• Chase Ultimate Rewards®

• Capital One Miles (yes, they’re called “miles” — but they function like points!)

• American Express Membership Rewards®

What Are “Miles”?

Miles, sometimes called frequent flyer miles, are typically earned through airline loyalty programs or co-branded airline credit cards.

You’ll earn miles when you:

• Book flights directly with an airline

• Use an airline’s co-branded credit card

• Fly and credit the trip to your loyalty account

What Can You Do With Miles?

Miles are primarily used to book flights with that specific airline or its partners. Some airline programs also allow you to use miles for:

• Seat upgrades

• Baggage fees

• Hotel stays (with limited value)

Examples of Miles Programs:

• American Airlines AAdvantage®

• United MileagePlus®

• Delta SkyMiles®