Editorial Note: Forbes may earn a commission on sales made from partner links on this page.- test default

It might seem like everyone is in on the credit card rewards game. Yet according to one survey, 31% of credit card holders in the US are letting their points expire. Although garnering a free flight or upgrade sounds nice, the system can be intimidating as evidenced by the above statistic. Don’t fret. Here’s how to know when to use miles or pay cash for your next airline ticket.

Although garnering a free flight or upgrade sounds nice, the system can be intimidating as evidenced by the above statistic. Don’t fret. Here’s how to know when to use miles or pay cash for your next airline ticket.

Methodology

We chose to screen checking accounts from banks that have a wide reach (mainly major banks and popular online banks). There’s only one bank that’s small but offers a socially responsible checking account cool enough to land it on this list. There are no cash management accounts on this list since we’ve already ranked a handful in the Best Cash Management Accounts of 2020.

We took the list one step further by highlighting which aspect of each checking account beats out the other checking accounts. So, these accounts are depository accounts ranked according to their unique offerings like free ATM withdrawals worldwide or the highest annual percentage yield on account balances.

SHOW MORE
Forbes adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.