Hello everyone.

I am thinking of joining frequent flyer program or reward program. But can’t seem to decide what I should do in my situation.

Please, help me with the decision!!!

Here is my situation.

I and my wife fly at least ones a year when we take vacation. At the most we may fly 2, very rear 3 times a year. One flight is usually international – Europe, Caribbean, Mexico. Other flights are local.

I am looking at United and American AA frequent flyer programs and also at American Express rewards program which allows getting hotel stays, car rental and other merchandise. It also allows converting points into miles. But I read that when I do that American Express charges extra point for that. Is it true?

I am also looking at cash back programs, like True earnings from American Express and Costco.

I will really appreciate all the input from you guys.

Thank a lot.