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Christopher Elliott
Special to USA TODAY
Is it time to give up your travel rewards program? That's not a theoretical question for Karin Kemp, a retired graphic designer from Matthews, North Carolina.
With few opportunities to travel last year, her loyalty to United Airlines has wavered. Special offers and bonuses weren't enough to keep her engaged in her program, and she started to use a different credit card as her primary. 
Kemp is still keeping her Chase-issued United credit card active, but only because she has a ticket credit for a canceled flight from Charlotte, North Carolina, to Bologna, Italy. She had hoped to get a refund after United canceled one of the flight legs but was only offered an expiring ticket credit. 

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