- Centurion Member
- Posts: 3969
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Who here might call it quits with a particular hotel/airline loyalty program simply because you don't use it much and haven't earned a lot of points (or you've redeemed most of them)? This would mean either redeeming points inefficiently (like for a retail gift card), transferring them at a bad rate to another program, or just letting them die.
And who would make the effort to keep points active and intended for efficient redemption? What award value would you need to bother?
A few days ago I used the AAdvantage portal and earned a few miles. Mostly I wanted to try it out to see how it compared to other portals in terms of convenience, and Citi AA is my minimum spend card, anyway. (That ruled out Discover Deals, etc.)
But it occurred to me: I may never use those miles.
With the card, I earn a 50k bonus. With spending I put on the card, I might earn 6k points. If I redeem miles in increments of 12.5k, then I'll redeem 50k (4x12.5k) and have 6k miles left over. If I close the card and wait 18 months to become eligible for another bonus, I'd lose the 6k to inactivity. Even if I fly or use the portal in the future and keep the points active, I might not even use the second card enough to earn a lifetime total of 112.5k (and thus make the original surplus 6k really worth something). I know the redemption options are more flexible than just 12.5k increments, but my general point should be clear.
Take Marriott. I have something like 10k-15k points. That limits my hotel redemption options. Before 5/24 was a thing, I earned the points from stays and assumed I'd be getting the Marriott or Ritz cards within a year or two. Now, I have a little gardening to do before I'm 5/24-compliant (if I want to even be that). I won't likely be redeeming those points soon (unless I transfer some URs which is unlikely).
10k-15k is probably worth keeping alive with one portal purchase a year if I don't stay there, but if the sum was small enough I think I'd just let the points die off.
What insights/advice do others have on dealing with potential orphan points?
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt, SPG
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech