A bill to amend chapter 423 of title 49, United States Code, to provide protections with respect to frequent flyer programs and co-branded credit cards, and for other purposes.

Frequent Flyer Program Protection Bill

This bill proposes new rules to protect consumers who participate in airline frequent flyer programs and use co-branded airline credit cards (like cards tied to Delta, United, American Airlines, etc.). Currently, airlines have broad freedom to change the terms of their loyalty programs — such as how points are earned, how they can be redeemed, and what they're worth — often with little notice to customers. This legislation would add new requirements and guardrails around how airlines manage and communicate changes to these programs.

The bill would likely require airlines to be more transparent with customers about the value and terms of their frequent flyer miles or points, and may limit an airline's ability to suddenly devalue or change redemption rules without adequate notice. It could also extend protections to the co-branded credit card partnerships that banks and airlines operate together, since millions of Americans earn and spend travel rewards through these cards. People who have accumulated significant points or miles over time would be most directly affected, as the bill aims to ensure those rewards retain meaningful, predictable value.

The bill has been introduced in the Senate and sent to the Committee on Commerce, Science, and Transportation for review. It is in its early stages and has not yet been voted on. Because no official bill text summary was provided, some specific details of the protections remain unclear, but the overall focus is on giving everyday travelers more reliable rights and clearer information when it comes to the loyalty programs and travel credit cards they depend on.