Heres everything you better know about frequent flyer miles and loyalty programs.

Do you plan on using your points toward upgrades?

When you spend $20,000 on purchases in the first year, youll earn up to 100,000 bonus miles.

This illustration shows a packed red suitcase with travel plans to go all over Europe.

Or, if you spend $3,000 in the first three months, youll earn 50,000 miles.

APR starts at 17.24% depending on your credit.

You also earn miles on Deltas partner airlines (these vary by carrier).

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Earn additional points on hotels and credit cards and even Airbnbs.

All points can be used for flights, upgrades and hotels.

Our team has compiled alist of creative waysyou can fatten your bank account this week.

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This is a long list, so dont get overwhelmed.

Go ahead and start now, but be sure to bookmark this post so you might easily return later.

Well keep it updated as offers changes or expire.

One con for this program: Points do expire after 2 years of inactivity.

Best program for Holiday Travel

Got kids and dont want them to miss school to travel?

ThenSouthwest Airlinesis for you.

Redeeming your points is super easy, and your points may also be used for hotels or car rentals.

Plus, the points never expire.

Whats the best way to spend them?

Airline miles/points are worth 1 cent.

So a fair rate would be using 40,000 miles for a flight that would typically cost $400.

Before booking, understand how the airline calculates its miles/points.

Some require more miles for desirable flights or times.

Note that you cant use your miles through online travel booking sites like Travelocity or Orbitz.

But some airlines, such as Delta and Southwest, have miles that dont expire.

ensure you look at the fine print.

Her work has appeared in the New York Times, Washington Post, Real Simple and more.

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…