Tip: Always Audit Your Loyalty Program Accounts
In this hobby, knowledge is power. This adage holds true for maximizing travel rewards credit cards and taking advantage of award chart sweet spots, but it also applies to managing your account balances as well. Recently, I was reminded of an important strategy for doing just that: Make sure to regularly audit your various loyalty program accounts to ensure that your points and miles are posting properly.
The issue began when I traveled to Europe in November 2017 with my wife and daughter, and we snagged a great deal on a one-way business class ticket on Air Europa from Miami (MIA) to Munich (MUC) via Madrid (MAD). Unfortunately, the airline's online check-in system wouldn't take our Delta SkyMiles numbers, and we were very rushed at the airport and thus forgot to add them before the flight. Knowing I could retroactively request credit, I enjoyed our trip and faxed in our boarding passes and flight confirmation email upon our return.
Within a few days, the miles posted to my account and my daughter's account, but I noticed something strange in my wife's account:
When I clicked on the Reason Code link, I was told the following:
This was simply not possible, as my wife doesn't even have a membership with any other Air Europa partner. After a few emails back-and-forth, despite Delta's system showing that it was credited to another program, the agent agreed to post the miles to my wife's SkyMiles account manually.
7,557 SkyMiles are worth $90.68 based on TPG's most recent valuations, so this wasn't an insignificant number of miles, but even if you're just talking about a few hundred miles, it's worth keeping an eye on your accounts to make sure things post as they're supposed to. For some suggestions on how to do this, see my post How Do You Keep Track of Your Points and Miles?
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| 5X miles | Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 2X miles | Earn unlimited 2X miles on every purchase, every day |
Pros
- Stellar welcome offer of 75,000 miles after spending $4,000 on purchases in the first three months from account opening. Plus, a $250 Capital One Travel credit to use in your first cardholder year upon account opening.
- You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
- Rewards are versatile and can be redeemed for a statement credit or transferred to Capital One’s transfer partners
Cons
- Highest bonus-earning categories only on travel booked via Capital One Travel
- LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
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