Protect our Points

Millions of Americans use airline credit cards every day to accumulate points and earn rewards that allow them to travel, explore and create new memories. The Durbin-Marshall Credit Card Competition bill could eliminate these popular credit cards and cost travelers their points.

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Tell Congress to Protect Our Points!

Last year, 15 million Americans booked air travel with points from airline credit cards. But that would all end if Congress passes the Durbin-Marshall credit card bill.

By The Numbers

31 million

U.S. airline credit cardholders

Over 15 million

domestic visitor trips awarded and earned through airline credit card points in 2024

57%

of all frequent flier miles/points issued in 2023 were generated by credit card use

$24 billion

in economic activity generated by airline credit cards in 2024

Did you know?

On average, nearly one out of every four U.S. households has an airline credit card.

Source: A4A analysis

THE THREAT TO AIRLINE CARDHOLDERS

We urge Congress to consider the negative impacts this legislation will have on the millions of consumers
who use credit cards to accrue reward points, including airline miles, each and every day.

U.S. Airlines Oppose Credit Card Fee Crackdown They Say Could Imperil Free Flight Offers

June 2, 2025

U.S. airlines, aircraft manufacturers and labor groups urged Congress to reject the Durbin-Marshall Credit Card Competition Act amendment to the GENIUS Act stating that it...

THE IMPACT OF THE DURBIN-MARSHALL BILL ON AIR TRAVEL BY STATE

Alabama

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 46,855

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 683

Total Economic Impact: $68.6M

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Alaska

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 145,839

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 1,669

Total Economic Impact: $184.2M

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Arkansas

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 35,589

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 495

Total Economic Impact: $51.0M

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Arizona

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 647,068

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 8,900

Total Economic Impact: $992.0M

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California

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 2,053,168

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 23,239

Total Economic Impact: $3,341.1M

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Colorado

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 740,800

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 9,828

Total Economic Impact: $1,226.5M

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Connecticut

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 51,402

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 498

Total Economic Impact: $74.5M

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Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 303,210

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 806

Total Economic Impact: $322.2M

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Delaware

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 0

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 0

Total Economic Impact: $0.0M

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Florida

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 2,293,034

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 29,606

Total Economic Impact: $3,560.3M

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Georgia

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 405,407

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 5,988

Total Economic Impact: $684.6m

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Hawaii

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 390,962

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 4,209

Total Economic Impact: $548.3M

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Idaho

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 70,970

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 992

Total Economic Impact: $96.6M

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Illinois

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 566,794

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 6,648

Total Economic Impact: $984.3M

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Indiana

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 98,959

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 1,301

Total Economic Impact: $151.9M

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Iowa

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 29,265

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 384

Total Economic Impact: $41.1M

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Kansas

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 14,494

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 194

Total Economic Impact: $21.7M

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Kentucky

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 108,585

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 1,216

Total Economic Impact: $160.1M

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Louisiana

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 187,108

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 2,126

Total Economic Impact: $272.7M

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Maine

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 47,761

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 626

Total Economic Impact: $67.1M

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Maryland

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 179,310

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 1,752

Total Economic Impact: $258.1M

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Massachusetts

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 279,848

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 2,857

Total Economic Impact: $418.7M

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Michigan

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 215,668

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 2,735

Total Economic Impact: $328.7M

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Minnesota

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 185,279

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 2,717

Total Economic Impact: $300.8M

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Mississippi

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 15,069

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 191

Total Economic Impact: $20.7M

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Missouri

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 272,115

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 3,830

Total Economic Impact: $434.6M

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Montana

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 97,066

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 1,353

Total Economic Impact: $123.1M

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Nebraska

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 52,986

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 749

Total Economic Impact: $76.7M

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Nevada

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 812,116

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 8,877

Total Economic Impact: $1,167.6M

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New Hampshire

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 19,096

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 204

Total Economic Impact: $25.9M

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New Jersey

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 211,727

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 2,230

Total Economic Impact: $336.5M

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New Mexico

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 87,155

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 1,217

Total Economic Impact: $117.0M

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New York

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 712,899

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 7,125

Total Economic Impact: $1,071.8M

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North Carolina

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 334,185

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 4,776

Total Economic Impact: $527.3M

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North Dakota

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 11,050

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 136

Total Economic Impact: $14.8M

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Ohio

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 165,219

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 2,325

Total Economic Impact: $266.8M

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Oklahoma

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 80,269

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 1,189

Total Economic Impact: $120.6M

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Oregon

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 232,163

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 2,929

Total Economic Impact: $330.9M

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Pennsylvania

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 276,613

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 3,716

Total Economic Impact: $443.5M

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Rhode Island

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 42,677

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 468

Total Economic Impact: $59.8M

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South Carolina

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 176,007

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 2,142

Total Economic Impact: $266.0M

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South Dakota

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 14,544

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 182

Total Economic Impact: $19.7M

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Tennessee

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 335,610

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 4,141

Total Economic Impact: $559.7M

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Texas

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 1,221,226

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 15,964

Total Economic Impact: $2,103.1M

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Utah

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 248,057

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 3,738

Total Economic Impact: $399.3M

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Vermont

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 14,558

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 185

Total Economic Impact: $19.4M

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Virginia

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 84,660

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 1,082

Total Economic Impact: $126.8M

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Washington

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 499,278

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 5,334

Total Economic Impact: $748.5m

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West Virginia

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 2,852

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 32

Total Economic Impact: $3.7M

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Wisconsin

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 95,306

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 1,381

Total Economic Impact: $142.2m

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Wyoming

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 25,647

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 280

Total Economic Impact: $31.2M

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Virgin Islands

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 32,401

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 391

Total Economic Impact: $39.1M

Puerto Rico

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 84,365

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 1,019

Total Economic Impact: $101.9M

U.S. Pacific Trust Territories

Number of Visitors Using Airline Credit Card Points for Air Travel to the State: 3,512

Number of Jobs Supported by Visitors Using Airline Credit Card Points: 42

Total Economic Impact: $4.2M

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Frequently asked questions

What is an airline affinity credit card?

Airlines partner with banks, community financial institutions and credit unions to provide consumers with credit options featuring rewards programs that accumulate points/miles every time they use a card. These programs allow airlines to reward their most loyal customers with perks such as free checked bags, upgraded seats, priority status and even free trips and vacations!

How would the Durbin-Marshall Credit Card Competition Act impact airline credit cardholders?

Durbin-Marshall would pad merchants’ (and their shareholders’) pockets at the expense of consumers. This proposed mandate would eliminate a consumer’s choice over which network their transactions are routed, allowing retailers to choose to process transactions over a second, different network – not necessarily the trusted network selected by the consumer. What’s worse is that merchants wouldn’t have to pass on to consumers any savings from choosing a different, discount network, but rewards programs would likely be eliminated.

What is interchange?

Interchange is a fee charged to retailers who choose to accept electronic payments used to fund rewards programs, as well as customer service, system operations, protection of customer data, card production and other costs associated with running a safe and efficient system. Learn more here.

Is there precedent for this?

What can I do to #ProtectMyPoints?

Tell Congress to #ProtectOurPoints

Tell them you like the travel opportunities created by your credit card rewards and to oppose the Durbin-Marshall credit card bill.

What They Are Saying

If a similar policy were applied to credit transactions, we risk similarly disenfranchising lower income groups from accessing the credit rewards programs which have become standard for U.S. consumers.

Progressive Policy Institute

Make no mistake — the Credit Card Competition Act is going to hurt our economy, our state and all who work in our hotels, entertainment venues and travel. Nevada’s delegation in Congress must stand up for Nevada workers and Nevada families and stop this bill.

Nevada State Assemblyman Max Carter

The Credit Card Competition Act harms Nevada’s economy, Nevada’s families and unions.

Nevada State Assemblywoman Elaine Marzola

With inflation still a major concern for American families, how will taking away the very reward programs that help consumers better afford everything from gas to groceries possibly help?

Pete Sepp, President, National Taxpayers Union

Specifically for commercial airports, the elimination of the rewards points and fewer airline ticket sales will also result in higher ticket prices which will continue to compound the issue.

Nic Diehl, President of the WV Airport Managers Association

The Credit Card Competition Act would make loyalty rewards programs too costly to maintain. Consumers will lose out at a time when they view loyalty programs as so critical.

Independent Women's Voice

Credit card routing mandates will erode the tools that small business owners rely on to remain competitive. Valuable services provided by card issuers and payment networks, such as fraud prevention, new technologies development, and payment system infrastructure maintenance, would be greatly impacted.

Karen Kerrigan, president & CEO of the Small Business & Entrepreneurship Council

The bill does not promote competition, instead it dramatically expands the role of the federal government to overregulate the market for credit cards.

Americans for Tax Reform

If policymakers have the best interest of their constituency in mind, they will not repeat the mistakes of the past in a misguided attempt to bring down interchange fees. Consumers deserve better from their government.

The American Consumer Institute Center for Citizen Research

If implemented, the CCCA would disrupt the efficient payment system that has served consumers and businesses for years. Such disruptions would lead to increased costs for businesses, ultimately affecting consumers through higher prices and reduced access to credit—especially concerning as our economy braces for challenges posed by inflation and a possible government shutdown.

Consumer Action for a Strong Economy

This harmful proposal will overhaul the existing payment processing system, severely limit consumer choice, place consumers at risk of fraud, and strip users of credit card rewards despite the legislation being based on false pretenses of anticompetitive practices within the payment industry.

Taxpayers Protection Alliance

Make no mistake: this bill was specifically written to deliver a major payday for big retail and big grocery at a time that these giant retailers have been getting even bigger, increasing their profits, and raising prices on American consumers.

American Bankers Association