Is it really worth being loyal to one airline in 2021 and beyond?

Dec 16, 2020

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I’ve always had a love-hate relationship with airline loyalty and elite status.

There was once a time where I chased elite status — namely on United — religiously. I would mileage run to get to the next status tier to enjoy the free upgrades, added flexibility and other perks that come with being an airline’s top flyer.

But as airline miles, elite status perks and travel in general change in response to the coronavirus pandemic, I’ve started to reconsider being loyal to a single airline.

After all, is it really worth jumping on a plane just to qualify for the next status tier? Should I spend on my cobranded credit card to earn bonus qualifying miles, even if it means losing out on a category bonus? These are all questions that I’ve asked myself as I plan my future as a frequent traveler in a post-COVID world.

The conclusion I eventually arrived at may surprise you. Let’s take a closer look at my thinking and why you may or may not want to stay loyal to a single airline in the future.

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In This Post

Why being loyal to an airline may not be worth it

Delta Air Lines A350 Taking Off
(Photo by Philip Pilosian/Shutterstock)

Let’s start with the cons. Elite status isn’t what it once was and neither are airline miles. We’ve changed how we earn and redeem miles since the start of the pandemic and many of us have growing reward balances we need to use at some point in the future.

These all play into why you may not want to stay loyal to a single airline next year (and beyond) — let’s take a closer look.

Related: What will the future of travel look like? TPG asked 16 industry experts

Many travelers have growing transferable points balances

Chase Sapphire Preferred and Amex Gold Card
Many travelers have transferable points to burn — and they can use them to fly almost any major airline. (Photo by John Gribben for The Points Guy)

For most of us, 2020 was the year of earning and hoarding.

If you’re anything like me, most of your pandemic credit card spending was put on transferable points credit cards that earn points like American Express Membership Rewards and Chase Ultimate Rewards points. Some TPGers cashed out their points, but the majority of us have kept hoarding for an awesome post-pandemic trip.

As you might expect, I’m on team “hoard until travel resumes.”

This means my point balances are growing and I’ll have a ton of flexible points to redeem in the future. I almost solely focus on Membership Rewards, so I can eventually transfer them to airlines in all major alliances and awesome non-alliance programs like Emirates Skywards and Etihad Guest.

I’m already dreaming up awesome redemptions and plan to use transferable points to cover all of my 2021 international travel. This means I won’t use elite status benefits or earn qualifying points on these flights, making my loyalty and status worth less than in past years.

Plus, what’s the point of having elite status if you’re constantly booking yourself in business and first class with your points and miles? The bulk of elite status value comes from upgrades and priority seating. You’re not benefitting from that if you use transferable points to put yourself at the front of the plane.

Side note: regardless of if you’re loyal to an airline, I recommend keeping a stash of transferable points. These keep you safe from devaluations since — as discussed — you can transfer your points to multiple airlines and hotel partners. Think of it as a hedge against your airline of choice’s miles being devalued.

Related: How The Points Guy earns his elite status

Airline miles are continually being devalued

Top of United airplane
Many airlines have devalued miles this year — this can be brutal for loyalists. (Photo by Ryan Patterson for The Points Guy)

Much to my dismay, U.S. airlines have pummeled loyalty programs with devaluations this year.

First, we saw United ax its partner award chart and raise partner award ticket costs by 10% across the board.

Months later, Delta decided to skyrocket the cost of partner award tickets too. As someone with both Delta and United status, I was very displeased with these changes.

After all, if you’re chasing elite status, you’re earning redeemable miles with the same airline. This is also the case when you spend on an airline’s cobranded credit card to fast-track your elite status.

This creates a huge issue for loyal travelers. Your miles are worth less than in previous years, so you’re getting a smaller return on your travel. In the end, this means you have less “free” travel even though you’re still spending the money.

Realizing this burns even more when you consider that you’d actually walk away with more value by crediting your flights to a partner airline.

For instance, you can avoid United’s huge devaluation by crediting flights to Avianca LifeMiles or Air Canada Aeroplan. In doing this, you earn miles that are more valuable than United MileagePlus. Plus, you could walk away with a higher quantity of miles since you earn based on distance flown — not how much you spend — when crediting to a partner.

Likewise, spending on a transferable points card is almost always more rewarding than spending on a cobranded credit card. Sure, you’ll forgo the elite qualifying miles, but you’ll earn transferable points that are more powerful.

You can also earn more points by using a transferable points card that has bonus spend categories. The American Express® Gold Card earns 4x points per dollar at U.S. supermarkets (on the first $25,000 in purchases each calendar year; then 1x) and on all dining at restaurants purchases, 3x points on flights booked with the airline or through amextravel.com and 1 point everywhere else. The card has a $250 annual fee (see rates and fees).

Related: This is why United is choosing to devalue MileagePlus now

Airlines are making travel more flexible

Delta A220-300 on runway
All travelers can change award tickets for free on many U.S. airlines. (Photo by Zach Griff/The Points Guy)

One of my main draws to airline elite status is being able to change my trip on a dime.

As a United elite, I’ve used the same day change benefit more times than I can count, whether to fly home earlier in the day or catch a few extra hours of sleep when headed home from a meeting.

In the past, I also used United elite status to cancel award tickets for free. This benefit alone has saved me hundreds of dollars in the past and let me effectively put award tickets on hold for as long as I needed with United.

But here’s the thing: airlines are now waiving change fees even after the pandemic. All major U.S. carriers rolled out this consumer-friendly change earlier in the year, and some — like United and Delta — expanded this to most international flights.

For example, United and Delta flyers can now change all domestic tickets and international tickets originating in the U.S. free of charge.  Likewise, same-day standby is now free for all United travelers, which makes switching to an earlier flight free and easy.

That said, fee-free confirmed same-day changes are still exclusive to elite members. However, these standby flights are about as good as confirmed same-day changes given low passenger loads on most flights.

While great for the general public, it effectively devalues elite status as it removes a benefit. Don’t get me wrong — I’m happy to see these fees go extinct, but I think elites should be compensated accordingly. Otherwise, there’s just one less reason to be loyal to a single airline.

Related: How American, Delta and United no-change-fee policies stack up against Southwest

Award space is more plentiful than ever and paid flights are cheap

During the pandemic, award space has become extremely easy to find on even the most premium routes.

Just take New York-JFK to Los Angeles (LAX), for example. This is usualy one of the hardest award flights to book in business class on American Airlines. Nowadays, however, you can book the flight for 20,000 miles — the MileSAAver rate — almost any day in March 2021.

JFK to LAX American Award Space in March
(Image courtesy of American Airlines)

Of course, a significant reason for so much open award space is the fact that travel demand is low (but slowly recovering) due to the pandemic. According to some sources, travel demand isn’t expected to return to 2019 levels until 2024. This means we’ll likely see huge gluts of open award space for years to come.

On top of this, premium cabin flights are cheap too. If you really want to fly New York (LGA) to Fort Lauderdale (FLL) in domestic first class, you can hop on United’s new nonstop flight for just $374 when booking a couple of months in advance.

Sure, it’s still more expensive than economy, but it’s 35% cheaper than flying Delta (who charged $584), and you don’t need to hope for your upgrade to clear like if you booked United economy.

United LGA to FLL Pricing
(Image courtesy of Google Flights)

Long story short: if you solely chase elite status for upgrades, you may be better off just booking yourself in premium cabins in the first place.

Related: This is how much it will cost to fly during the holidays this winter

Why I’m still staying (kind of) loyal in 2021

Delta One cabin with Delta One Suites
(Photo by Zach Griff/The Points Guy)

Even with all of those thoughts in mind, I’m still leaning towards airline loyalty — to an extent — in 2021.

These days, my airline of choice is Delta. It consistently offers the best domestic flight experience despite SkyMiles being further devalued with every waking moment. For this reason, I plan to continue to fly Delta and chase elite status with my Delta credit card, but only when it makes sense to do so — here’s why.

My credit card offers a fast-track to elite status

Delta Reserve credit card
Airline cobranded credit cards are more valuable than ever for elite status qualification. (Photo by Wyatt Smith/The Points Guy)

Airline cobranded credit cards have done a lot to stay relevant during the pandemic.

My cobranded credit card of choice — the Delta SkyMiles® Reserve American Express Card — offered several promotions throughout the year. First, we saw bonus points on grocery purchases at U.S. supermarkets and more recently started offering 500 bonus redeemable and Medallion® Qualifying Miles (MQM) for every $1,000 spent on the card.

Likewise, United cobranded credit cards like the United℠ Explorer Card and United Club℠ Infinite Card increased the number of Premier Qualifying Points that can be earned with credit card spend.

The intent here is to keep consumers spending on their airline cobranded credit cards even when they’re not traveling. As a result, airline loyalists can use this to their advantage to qualify for or upgrade their elite status tiers.

This is a huge draw to staying loyal to a single airline in 2020, and I’ve personally used my Delta card to earn a ton of MQM throughout the year by paying my rent and car insurance with the card. This is getting me closer to my goal of Delta Medallion Gold by the end of the year.

These great promotions will likely stick around through 2021 as well. For example, Delta already announced extra MQM on its premium credit cards when you hit specific spend tiers. This makes loyalty more enticing since you can earn elite status from the comfort of your own home.

Related: How TPG staff’s credit card strategies have changed during the pandemic

All Delta MQM’s are rolling over to 2021

Speaking of Delta, the airline is rolling over all MQM earned in 2020 and 2021. This includes MQM earned by flying or with cobranded credit cards, making those spending promotions even more valuable.

I’ll have just over 50,000 MQM in my Delta account by the end of the year. This means that I’ll start next year with the same amount in my account and have a huge head start toward my ultimate goal of Delta Platinum Medallion (at 75,000 MQM) or higher.

This has incentivized me to spend on my Delta Reserve card year-round, even though I’m not a huge fan of SkyMiles. Likewise, I’ve specially booked the bulk of my domestic travel this year on Delta so that I have a headstart on next year’s status qualification. Yep, Delta’s marketing is clearly working on me.

Related: Why I’m chasing Delta elite status during the pandemic

Other airlines are lowering elite status requirements

Even if you’re loyal to another airline, there’s a good chance it’ll be easier for you to earn elite status next year. American, United and others have lowered their elite status requirements in 2021 to encourage more travel in lieu of rolling over qualifying miles.

For example, United shaved roughly 25% off elite status requirements. You’ll only need 3,750 PQP to qualify for Premier 1K status next year.  Even better, existing elites will earn a 100% PQP bonus on their first three flights flown between Jan. 1 and Mar. 31, 2021.

American also cut elite status requirements across the board, with top-tier status only requiring 80,000 Elite Qualifying Miles (EQM) and $12,000 Elite Qualifying Dollars (EQD) next year.

Again, this may incentivize you to stay loyal to your preferred airline. You can earn elite status when traveling less — a huge win for casual travelers who may not normally qualify for status.

Related: All of the elite qualification changes you need to know about for 2021

I can use elite benefits on cheap domestic flights

Delta A220-300 first class cabin
I’ll benefit from elite status benefits on domestic flights in 2021. (Photo by Zach Griff/The Points Guy)

Airfare will likely stay cheap through 2021 as airlines wait for travel demand to recover.

Likewise, I’m expecting many international borders to remain closed for a good portion of 2021. This means the bulk of my travel will be domestic in the immediate future.

This gives me a great opportunity to pay cash for my domestic travel without breaking the bank. Plus, I can use my elite status benefits on these flights, giving me a great shot at upgrades and other perks.

I take lots of domestic even during normal travel years too. This is mostly made up of frequent trips between my home in New York City and my hometown of Chicago. I fly this route once every other month and benefit from elite perks — especially preferred seating.

Another thing to note: redeeming points for domestic flights isn’t usually a great deal unless you’re strategically using them to book last-minute tickets or flying on high-demand days. So if you can find a deal — which isn’t hard these days — domestic flying can be an excellent way to qualify for and use elite status.

Related: What do travelers want this holiday season? Safety, cheap flights and flexibility

It will be easier to clear upgrades for the immediate future

United domestic first class seats
Scoring a domestic upgrade is easier than ever in 2021. (Photo by Scott Mayerowitz/The Points Guy)

As of writing this article, I’m a Delta Silver Medallion (soon to be Gold), JetBlue Mosaic and lifetime United Premier Gold member.

In a normal year, these statuses don’t mean much beyond preferred seating and an upgrade once in a blue moon. But this year is far from normal, and so is my upgrade frequency.

I’ve scored upgrades on almost all of my travel this year — even on traditionally difficult flights.

For example, I’ve had upgrades clear on Chicago-O’Hare (ORD) to New York (LGA) and Miami (MIA) to New York-JFK as a Delta Silver. I also scored an upgrade on Houston (IAH) to Newark (EWR) — a popular hub-to-hub route — on United. All of these flights are usually business-heavy, so a low or mid-tier elite would be competing with heaps of top-tier elites on business trips in a normal year.

I expect to see this upgrade frequency for mid-tier elites through 2021 and through at least part of 2022. Leisure travel will recover faster than business travel this time around, and most leisure travelers book off price alone. So while I may not make Delta Diamond next year, hitting Platinum will be just as good for the immediate future when it comes to domestic upgrades.

This mixed with dirt-cheap airfare means I can have my Delta snack box while paying the bottled water and Biscoff cookie price. That said, I’d love to see real dining make a return to Delta First, but that’s a discussion for another article.

One thing to note: I usually don’t mind flying in economy on domestic flights. I generally fly short-haul routes and would never actually pay to be in a premium cabin on a domestic flight unless it was an excellent deal. That said, I see these upgrades as a “nice to have” and will fly with a single carrier in hopes of an upgrade if the economy price is right.

Related: Why I declined first-class upgrades during the pandemic

Bottom line

Staying loyal to an airline is both becoming harder and easier to justify.

On the one hand, airline miles are being devalued and premium airfare is cheap. This means you’re effectively getting less value for your loyalty.

At the same time, though, recent promotions have made it easier to actually earn elite status. There are also fewer people flying, so you’re more likely to be able to use your benefits when you’re flying during the pandemic.

As discussed, I plan to stay loyal to Delta when it makes sense to do so. If I’m paying cash for a flight and Delta has comparable rates to the competition, I’ll book it. If it’s twice the price, I’ll book with whoever’s cheapest and most convenient for my travel plans.

I’ll also continue to use my Delta Reserve card to generate MQM on my non-bonused spending like rent, car insurance and utility bills. At the same time, I’ll use the card that earns the most points when buying groceries, ordering takeout or paying for a travel expense.

For rates and fees of the Amex Gold card, click here.

Feature photo by Andrew Balcombe/Shutterstock

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