Best Airline Credit Cards If you wish to access airline perks without holding a status, a good option is to acquire a travel rewards credit card. Despite the common belief that the best credit card for flights is an airline credit card, travel rewards cards actually provide more flexibility by allowing you to earn points or miles for various airlines, hotels, and travel expenses. These cards often come with signup bonuses, category-specific earning rates, and other rewards programs that can help you save money on your travels. Additionally, some travel rewards cards offer benefits such as priority boarding, lounge access, and complimentary checked bags, similar to those offered by airline-specific cards. It is important to evaluate different options and choose a credit card that aligns with your spending habits and travel goals in order to maximize your benefits.

When choosing between an airline-specific credit card and a travel rewards credit card, consider your personal preferences and travel habits. If you’re loyal to a particular airline or want exclusive lounge access, an airline-specific card is best. It offers perks like priority boarding, free checked bags, and bonus miles. However, if you want more flexibility in redeeming rewards and aren’t loyal to any one airline, a versatile travel rewards card is better. These cards offer bonus rewards on all travel-related purchases and provide adaptable redemption options. Remember to consider the annual fee before making your decision.

13 Best Airline Credit Cards of 2024

• Chase Sapphire Preferred® Card
• Capital One Venture X Rewards Credit Card
• Chase Sapphire Reserve®
• The Platinum Card® from American Express
• Capital One Venture Rewards Credit Card
• American Express® Gold Card
• Citi Premier® Card
• Aeroplan® Credit Card
• United Club℠ Infinite Card
• British Airways Visa Signature® Card
• United Quest℠ Card
• Southwest Rapid Rewards® Priority Credit Card
• United℠ Explorer Card

Chase Sapphire Preferred® Card

Why We Picked It

This credit card is a fantastic option for frequent travelers and diners as it offers an uncommon combination of high rewards rates and redemption flexibility. Despite the impressive benefits, the annual fee charged by this card is quite reasonable. The rewards earned on this card can be redeemed for travel, dining, or other purchases, making it an incredibly versatile option. With its numerous perks and benefits, this credit card is a dream come true for those who frequently spend on travel and dining.

Pros & Cons

Pros

• Earn high rewards on several areas of spending
• Transfer points to travel partners at 1:1 rate
• Many travel and shopping protections

Cons

• Annual fee
• No intro APR offer
• Best travel earning rates are only for bookings through Chase

Card Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
• Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Capital One Venture X Rewards Credit Card

Why We Picked It

Capital One’s premium travel card offers a plethora of benefits that position it as a direct rival to other high-end credit cards. These perks include exclusive access to airport lounges, complimentary travel insurance, and elite hotel status upgrades. However, what sets this card apart is its comparatively low annual fee, which makes it an attractive option for frequent travelers seeking premium benefits without breaking the bank. With a generous rewards program and added bonuses like statement credits for TSA PreCheck or Global Entry fees, Capital One’s premium travel card is a smart choice for anyone looking to maximize their travel experience while keeping costs in check.

Pros & Cons

Pros

• Annual fee lower than others in its category
• Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
• Miles are easy to earn and easy to use

Cons

• Lack of domestic airline and upscale hotel travel partners
• Capital One lounge network in its infancy
• Lack of hotel status benefits

Card Details

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

Chase Sapphire Reserve®

Why We Picked It

If you are a frequent traveler or enjoy dining out, this credit card is an excellent choice as it offers superior points earning rates in these categories. The $300 travel credit that comes with the card helps offset much of the annual fee. Additionally, redeeming points through Chase Ultimate Rewards for travel can be a great way to maximize your rewards and save money on future trips. Moreover, the card also offers various other benefits such as travel insurance, purchase protection, and extended warranty protection.

Pros & Cons

Pros

• $300 annual travel credit is incredibly flexible
• Generous welcome bonus
• Get 50% more value when you redeem points for travel through Chase
• Points Transfer to valuable airline and hotel partners

Cons

• High annual fee
• High variable APR on purchases
• Excellent credit recommended

Card Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

Best Travel Credit Cards in India 2024

The Platinum Card® from American Express

Why We Picked It

The Platinum Card is perfect for frequent travelers seeking luxurious benefits and personalized services. Despite the annual fee, the extensive perks make it worthwhile. Benefits include airport lounge access, elite hotel status, flight upgrades, and more. The Platinum Concierge service provides assistance with travel arrangements, restaurant reservations, and exclusive event tickets. Choose The Platinum Card for a luxury travel experience with exceptional service.

Pros & Cons

Pros

• High reward potential on flights and hotels booked through American Express Travel
• Multiple credits can help justify the fee
• Comprehensive airport lounge access
• Luxury travel benefits and elite status with Hilton and Marriott with enrollment

Cons

• Very high annual fee
• Maximizing the statement credits takes some work and could be unworkable for many
• Reward rate outside of travel is sub-par for a premium card

Card Details

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Capital One Venture Rewards Credit Card

Why We Picked It

For casual travelers who do not intend to carry a balance, this card’s rewards rate offers excellent value. With its attractive rewards program and benefits, this card is an ideal choice for those who prefer to pay off their balance in full every month. Additionally, the rewards earned can be redeemed for travel-related expenses such as flights, hotels, and rental cars, making it a convenient option for those who frequently travel. Overall, this card is a great choice for anyone looking to maximize their rewards without incurring interest charges.

Pros & Cons

Pros

• Strong rewards rate
• Global Entry or TSA PreCheck® statement credit (up to $100)
• No foreign transaction fees
• Miles are easy to redeem either via partner transfers or by applying against travel purchases

Cons

• $95 annual fee
• No introductory APR on purchases or transfers

Card Details

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

American Express® Gold Card

Why We Picked It

The American Express® Gold Card is perfect for travel and food enthusiasts. With up to 4x points on every dollar spent, it offers great rewards potential. The annual fee can be offset by the card’s benefits, like a $120 dining credit and up to $100 airline fee credit. You also get access to exclusive events through the Membership Rewards program. If you love luxury travel and dining, consider the American Express® Gold Card.

Pros & Cons

Pros

• High rewards earnings possibilities
• Points transfer option to many partners
• Add up to 5 authorized users for no additional annual fee
• Can choose from regular or rose gold versions

Cons

• No lounge benefits
• Limited options to carry a balance
• High APR for pay over time feature
• High pay over time penalty APR

Card Details

• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.

Citi Premier® Card

Why We Picked It

The Citi Premier Card is great for frequent travelers and road warriors. It offers 3 points per $1 on travel essentials and at gas stations. However, the high APR and lack of an introductory offer may deter those who carry a balance. If you’re a frequent traveler who wants to earn rewards, this card is perfect for you. Points can be redeemed for travel, merchandise, or gift cards. It also provides trip cancellation insurance, worldwide travel accident insurance, and baggage delay protection. Keep in mind that if you can’t pay off your balance each month, the high interest rates may make this card expensive in the long run.

Pros & Cons

Pros

• Flexible travel redemption options
• No foreign transaction fee
• Add authorized users for no additional cost

Cons

• Annual fee with no first-year waiver
• No intro APR offer
• No travel or purchase protections

Card Details

• Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Aeroplan® Credit Card

Why We Picked It

The Aeroplan® Credit Card is ideal for Air Canada passengers who spend on food and travel. It offers substantial rewards for purchases at grocery stores, gas stations, Air Canada, and partner brands. Cardholders can also earn bonus points by meeting spending milestones in the first year. With these benefits and more, it’s a great choice for maximizing rewards and enjoying exclusive perks as loyal Air Canada customers.

Pros & Cons

Pros

• Excellent rewards earning
• No foreign transaction fees
• Travel benefits including perks for Air Canada flyers

Cons

• $95 annual fee
• Lacks non-travel related benefits

Card Details

• Earn 60,000 bonus points
• Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
• $95 Annual Fee
• Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
• Fly to another continent and travel the world with the Aeroplan® Credit Card.
• Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
• 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
• Member FDIC

United Club℠ Infinite Card

Why We Picked It

United’s top-tier credit card now offers four miles per dollar spent on United purchases, making it more appealing to frequent flyers. The card also includes United Club membership, providing access to exclusive lounges and travel perks that offset the annual fee. With its benefits and rewards, this card is ideal for United frequent flyers looking to maximize their rewards and travel experience.

Pros & Cons

Pros

• No foreign transaction fee
• United Club membership is worth more than the annual fee
• First and second checked bag free when you pay for your flight with your card

Cons

• Very high annual fee
• No intro APR offer
• High regular APR

Card Details

• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
• Member FDIC

British Airways Visa Signature® Card

Why We Picked It

British Airways frequent travelers can enjoy the card’s generous welcome bonus and companion ticket opportunity. Despite a small annual fee, the card offers perks like priority boarding, lounge access, and in-flight purchase discounts. It’s an excellent choice for frequent British Airways flyers. The rewards program also lets users earn points for flights and travel expenses.

Pros & Cons

Pros

• Generous rewards on eligible flights
• Potential to earn a companion ticket
• Lucrative welcome bonus
• No foreign transaction fee

Cons

• Rewards rate poor outside of Avios-earning airlines
• Subject to Chase’s 5/24 rule
• No checked baggage or lounge perks

Card Details

• Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
• Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
• Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.
• 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
• Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
• Pay no foreign transaction fees when you travel abroad.
• Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
• Member FDIC

United Quest℠ Card

Why We Picked It

The United Quest Card is a great choice for frequent United customers. It offers benefits such as an annual $125 credit for United, rewards on travel and dining, and travel protections like car rental coverage and trip cancellation insurance. These perks can save you money and provide peace of mind while traveling with United. The card also includes additional benefits like priority boarding, free checked bags, and lounge access for a more comfortable and convenient air travel experience.

Pros & Cons

Pros

• $125 annual United purchase credit
• Earn up to two 5,000-mile award flight credits annually
• Two free checked bags for cardholder and a companion traveling on the same reservation
• Earn up to 6,000 Premier Qualifying Points annually
• Primary auto collision damage waiver for eligible rentals

Cons

• Checked baggage benefit only applies to one companion
• Earnings for general purchases are only 1 mile per dollar

Card Details

• Earn 70,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and priority boarding
• Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year – terms apply
• Earn up to 6,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
• Member FDIC

Southwest Rapid Rewards® Priority Credit Card

Why We Picked It

Southwest’s highest level rewards card provides excellent value for frequent fliers. It offers a range of perks, including a $75 annual travel credit on Southwest that offsets the fee. Every purchase earns tier qualifying points towards A-list status, which comes with benefits like priority boarding and free checked bags. This card is ideal for frequent travelers who want to maximize their rewards and benefits with Southwest.

Pros & Cons

Pros

• No foreign transaction fee
• Earn points toward A-list status
• Unlimited reward seats with no blackout dates

Cons

• High regular APR
• No intro APR offer
• Rewards flights only available on Southwest, no partner airlines
• Annual fee

Card Details

• Limited-time offer: earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening
• 7,500 anniversary points each year.
• Earn 3X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• $75 Southwest® travel credit each year.
• No foreign transaction fees.
• Member FDIC

United℠ Explorer Card

Why We Picked It

The United credit card is a great option for frequent or occasional United passengers. It offers several benefits that outweigh the annual cost. Earn 2 miles for every dollar spent on dining, hotels, and United transactions. Enjoy exclusive perks like priority boarding, free checked bags, and lounge access based on your card type. If you spend a lot on travel and want to earn rewards, consider the United credit card.

Pros & Cons

Pros

• Annual fee waived the first year
• Free first checked bag when you pay with your card & Priority Boarding
• Earn unlimited miles with no caps
• No blackout dates

Cons

• Seat limitations on Saver Awards
• Everyday Awards flight pricing is expensive
• No 0% intro APR offer
• High regular APR

Card Details

• Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $95.
• Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
• Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
• 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
• Free first checked bag – a savings of up to $140 per roundtrip. Terms Apply.
• Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year
• Member FDIC

More About the Best Airline Credit Cards

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a top choice for travel by Orangebybk due to its reasonable annual fee, extensive travel partners, and reliable travel protections. With the added benefit of no foreign transaction fees, it is an excellent option for air travel or hotel stays.

Rewards: Receive 5 points for every dollar spent on travel booked through Chase Ultimate Rewards®, 3 points for every dollar spent on dining, specific streaming services, and online grocery shopping (excluding Walmart, Target, and wholesale clubs), 2 points for every dollar spent on all other travel bookings, and 1 point for every dollar spent on all other purchases.

Welcome offer: Get 60,000 bonus points when you spend $4,000 on purchases within the first 3 months of opening your account.

Annual fee: $95

Other benefits and drawbacks: Chase Ultimate Rewards® can be easily used for travel at a value of 1.25 cents through Chase. However, transferring points to partners like Hyatt or United Airlines has the potential to significantly increase their value with some effort.

Travel safeguards consist of insurance for trip cancellation, interruption, and delay, as well as coverage for baggage and auto rental collision. Additionally, there is a $50 yearly hotel credit available when making reservations through the Ultimate Rewards Travel Center.

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card (rates & fees) offers a range of benefits, including complimentary authorized user cards for family members to enjoy premium perks such as airport lounge access and cell phone insurance. Despite being a premium card, the annual fee is relatively low and can be balanced out by up to $300 in annual travel credits through Capital One Travel and a 10,000-mile anniversary bonus redeemable for $100 towards travel.

Rewards: Receive 2 miles for every dollar spent on qualifying purchases, 5 miles for every dollar spent on flights booked through Capital One Travel, and 10 miles for every dollar spent on hotel and rental car bookings made via Capital One Travel.

Welcome offer: Get 75,000 bonus miles when you spend $4,000 on purchases in the first three months of opening your account.

Annual fee: $395

Other benefits and drawbacks: Upon enrollment through December 31, 2024, the Venture X provides Hertz top-tier President’s Circle status and various travel coverages, including rental car protection. Additionally, the card includes cell phone coverage and Visa Infinite benefits.

Capital One miles are simple to earn and use. They can be used for various travel expenses such as airfare, hotel stays, vacation rentals, and car rentals, or transferred to multiple travel partners. One drawback of Venture Miles is the limited U.S. based airline partners, which requires familiarizing oneself with unfamiliar points programs when transferring miles.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® credit card is an excellent option for individuals looking to book flights and earn rewards. This card provides the opportunity to earn valuable Chase Ultimate Rewards® points at increased rates, making it ideal for frequent travelers. Additionally, it offers best-in-class travel insurance to ensure that you are covered during your trips. Furthermore, with access to participating lounges when you travel, this credit card is a must-have for those who value comfort and convenience while flying. Even if you only travel occasionally, the benefits of this card can easily justify the annual fee associated with it.

Rewards: Get 5 points for every dollar spent on flights and 10 points for every dollar spent on hotels and car rentals when you buy travel through Chase Ultimate Rewards® after spending the first $300 on travel purchases each year. Get 3 points for every dollar spent on other travel and dining, and 1 point for every dollar spent on all other purchases.

Welcome offer: Receive 60,000 bonus points when you spend $4,000 on purchases within the initial 3 months of opening the account.

Annual fee: $550

Other benefits and drawbacks: The credit card allows you to convert the Chase Ultimate Rewards points at a 1:1 ratio to various travel partners such as United Airlines, British Airways, and Hyatt. Additionally, you can use your points to book flights and other qualifying travel through the Chase Ultimate Rewards website at a higher value of 1.5 cents each. This provides flexibility in using points for flights without restrictions, and also allows you to earn miles when you travel. If you prefer cash back, each point is valued at one cent.

Should cardholders choose to enroll, they will receive a complimentary Priority Pass Select airport lounge membership and a $300 yearly travel credit to offset the high annual fee. Furthermore, they will have access to a range of travel insurance benefits, including coverage for trip cancellation and interruption, trip delay, lost and damaged baggage, delayed baggage, and rental car insurance with the Chase Sapphire Reserve®.

The Platinum Card® from American Express

The Platinum Card® from American Express (Terms apply, see rates & fees) is a fantastic option for individuals who value lounge access and want flexibility with airline networks. It also offers bonus points on airline purchases, making it appealing for frequent flyers. However, it does not match the comprehensive travel insurance benefits of the Chase Sapphire Reserve®. This card allows you to earn Membership Rewards® points that can be transferred to over 15 airline and hotel partners, providing a wide range of redemption options, including Delta Air Lines, British Airways, and Hilton Hotels & Resorts. Additionally, the Platinum Card offers valuable perks such as Uber credits, Global Entry or TSA PreCheck application fee credit, and access to exclusive events and experiences. In summary, this card is an excellent choice for those looking for premium travel benefits and rewards.

Rewards:Get 5 Membership Rewards Points for every dollar spent on flights booked directly with airlines or with American Express Travel, up to $500,000 per calendar year. Also, earn 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.

Welcome offer: Get 80,000 Membership Rewards Points when you spend $8,000 on purchases within the first 6 months of card membership.

Annual fee: $695

Other benefits and drawbacks: The Platinum Card® from American Express truly excels in its lounge benefits. It provides Priority Pass Select membership and access to American Express Centurion Lounges and Delta SkyClubs when flying Delta on the same day (terms apply).

Each year, you can receive an annual credit of up to $200 for eligible airline incidental fees, such as checked bags and seat selection, and up to $100 statement credit to pay for your Global Entry or TSA PreCheck application fee.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a more affordable alternative to the premium Venture X card, with an annual fee of only $95. Cardholders earn flexible Capital One Miles that can be transferred to more than 12 airlines or used to book travel through the Capital One travel portal. This makes it a great option for travelers who want to earn rewards without breaking the bank. Additionally, the card offers other benefits such as no foreign transaction fees and travel accident insurance, making it a valuable addition to any traveler’s wallet.

Rewards: Get 5 miles for every dollar spent on hotel and rental car bookings through Capital One Travel, and receive an unlimited 2 miles for every dollar spent on other purchases.

Welcome offer: You can earn 75,000 miles by spending $4,000 on purchases within 3 months of opening your account.

Annual fee: $95

Other benefits and drawbacks: You will also receive a credit of up to $100 for application fees for either Global Entry or TSA PreCheck®, as well as travel and purchase protections, and no foreign exchange fees.

American Express® Gold Card

The American Express® Gold Card (Terms apply, see rates & fees) offers increased earning rates on daily expenses like groceries and dining, allowing you to easily collect versatile Membership Rewards points. These points can be transferred to more than 20 airline and hotel partners, and there is also the choice to use points for travel bookings on AmexTravel.com.

Rewards: Get 4 Membership Rewards® points for every dollar spent at restaurants, including takeout and delivery in the U.S. Also, earn 4 Membership Rewards® points for every dollar spent at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards® points for every dollar spent on flights booked directly with airlines or through American Express travel, and 1 point for every dollar spent on other eligible purchases.

Welcome offer: Spend $6,000 on purchases within the first 6 months of card membership and receive 60,000 Membership Rewards points.

Annual fee: $250

Other benefits and drawbacks: The annual fee of $250 is above the average for a mid-range card, but it is balanced out by the $10 monthly Uber credits and $10 dining credits. The card also provides travel-related benefits such as no foreign transaction fees, baggage insurance, car rental loss and damage insurance, and a $100 experience credit for two-night stays booked with American Express’ Hotel Collection.

Citi Premier® Card

The Citi Premier® Card offers competitive earning rates for regular expenses like groceries and fuel. Its ThankYou® Points provide numerous redemption possibilities, including transfers to over 15 travel partners, booking travel through the Citi ThankYou travel center, and cash back. Additionally, points can be shared with other cardholders to expedite earning awards.

Rewards: Get 3 ThankYou points for every dollar spent at restaurants, supermarkets, gas stations, air travel, and hotels, and 1 point for every dollar spent on other eligible purchases. Additionally, earn a total of 10 points for every dollar spent on hotels, car rentals, and attractions (excluding air travel) booked through the Citi Travel℠ portal until June 30, 2024.

Welcome offer: Obtain 60,000 points by making $4,000 in purchases within the initial 3 months of opening the account

Annual fee: $95

Other benefits and drawbacks: The card has a significant downside in that it does not offer travel protections. If you rely on credit card benefits for travel insurance, this card is not suitable for you. Additionally, it does not include any lounge access.

Aeroplan® Credit Card

The Aeroplan® Credit Card is ideal for frequent flyers of Air Canada, United, and other Star Alliance airlines. It offers the ability to book award flights using Aeroplan points. The card also provides competitive rewards for everyday spending, including bonus points for groceries, gas, and dining out. Additionally, it offers travel perks like priority check-in and boarding, lounge access, and insurance coverage. Overall, the Aeroplan® Credit Card is a great choice for frequent flyers seeking maximum rewards and travel benefits.

Rewards: Get 3 points for every dollar spent on dining, takeout, eligible delivery services, and grocery stores, as well as for each dollar spent directly with Air Canada, including vacations and cruises. Earn 1 point for every dollar spent on all other eligible purchases.

Welcome offer: Receive 60,000 bonus points when you spend $3,000 on purchases within the first 3 months of opening the account.

Annual fee: $95

Other benefits and drawbacks: The Aeroplan card offers the typical Air Canada benefits of an airline card, such as a complimentary first checked bag, while also providing access to discounted flight rewards, allowing you to maximize your redemptions and increase your rewards. Additionally, it includes a wide range of travel insurances, auto rental coverage, and purchase protection.

United Club℠ Infinite Card

The United Club℠ Infinite Card may not be the right fit for everyone, but it can bring significant benefits to frequent United flyers, especially those who prioritize access to United Club lounges when traveling. This credit card offers a range of perks, such as Premier Access travel services, priority boarding, and free checked bags. Cardholders can also earn 4 miles per dollar spent on United purchases and 2 miles per dollar spent on dining and hotel stays. Additionally, the card allows one-time passes to United Club lounges and provides TSA PreCheck or Global Entry fee credits. If you’re a loyal United Airlines customer who values premium travel experiences, the United Club℠ Infinite Card might be worth considering.

Rewards: Get 4 miles for every dollar spent on United® purchases, 2 miles for every dollar spent on all other travel and dining including eligible delivery services, and 1 mile for every dollar spent on all other purchases.

Welcome offer: Receive 80,000 bonus miles when you spend $5,000 on purchases within the initial 3 months of opening your account.

Annual fee: $525

Other benefits and drawbacks: The primary advantage of holding the United Club℠ Infinite Card is the ability to use United Club airport lounges when traveling with United or another Star Alliance airline. Despite the high annual fee, it is more economical than purchasing a standalone United Club membership. If accessing United Clubs is your priority, this credit card is the most suitable option. Additionally, cardholders can utilize other designated Star Alliance Gold lounges. Other perks of the United Club card include complimentary checked bags on the first and second flights with United, Premier Access travel services, 25% savings on in-flight purchases, and enhanced availability for redeeming miles.

Despite uncertainty about whether the United benefits alone justify getting this card, it also provides additional travel-related perks that may make it worth considering. These include a credit of up to $100 for TSA PreCheck, Global Entry, or NEXUS application fees, the option to join the Avis President’s Club, and no foreign transaction fees. Furthermore, it offers purchase and travel benefits such as trip delay coverage and extended warranty.

British Airways Visa Signature® Card

Consider the British Airways Visa Signature® Card if you can take full advantage of the airline’s distance-based award chart. The card provides a companion ticket for big spenders, along with the opportunity to receive up to $600 in annual statement credits for eligible British Airways bookings and a 10% discount on U.S.-originating British Airways flights when booked through the dedicated website.

Rewards: You can earn 3 Avios for every dollar spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL, 2 Avios for every dollar spent on hotel accommodations when purchased directly from the hotel, and 1 Avios for every dollar spent on all other purchases.

Welcome offer: Spend $5,000 on purchases within the first three months of opening the account to receive 75,000 Avios.

Annual fee: $95

Other benefits and drawbacks: In addition, the card provides travel and purchase protections such as baggage delay insurance and purchase protection, and it does not impose foreign transaction fees.

United Quest℠ Card

The United Quest℠ Card is a mid-to-premium credit card that offers excellent benefits, making it an attractive option for frequent United Airlines flyers. The card provides $125 in annual statement credits for United purchases and up to 10,000 miles reimbursed for redemptions starting in the second year. Moreover, cardholders can check their first and second bags for free when flying with United and receive a 25% discount on in-flight purchases. Additionally, spending on the card earns Premier qualifying points (PQPs) that can help you achieve elite status with the airline. These benefits make the United Quest℠ Card a compelling choice for those who value travel perks and rewards.

Rewards: Get 3 miles for every dollar spent on United® purchases, 2 miles for every dollar spent on dining, select streaming services, and all other travel, and 1 mile for every dollar spent on all other purchases.

Welcome offer: Spend $4,000 on purchases within the first 3 months and receive 70,000 bonus miles and 500 Premier qualifying points.

Annual fee: $250

Other benefits and drawbacks: Cardholders are also eligible to receive a reimbursement of up to $100 for a TSA PreCheck, Global Entry, or NEXUS application fee, and there are no foreign transaction fees associated with this card.

Southwest Rapid Rewards® Priority Credit Card

The Southwest Rapid Rewards® Priority Credit Card is a top choice among the various Southwest cards due to its favorable balance of benefits and fees. With a 7,500 anniversary points bonus and $75 Southwest travel credit, the annual fee can be effectively offset. Additionally, the card provides four early boarding passes per year (subject to availability), which could prove useful if you don’t check in precisely at the 24-hour mark. The card also comes with other perks like free checked bags and priority boarding that make it an excellent option for frequent Southwest flyers looking to maximize their rewards and minimize their expenses. Overall, the Southwest Rapid Rewards® Priority Credit Card is a great way to earn miles on your everyday purchases while enjoying valuable travel perks.

Rewards: Get 3 points for every dollar spent on Southwest purchases, 2 points for every dollar spent on Rapid Rewards hotel and car rental purchases, 2 points for every dollar spent on local transit and commuting, such as rideshare, 2 points for every dollar spent on internet, cable, phone services and specific streaming, and 1 point for every dollar spent on other purchases.

Welcome offer: Get 30,000 points when you spend $4,000 on purchases within the first 3 months of opening your account, and receive a Companion Pass® valid until 2/28/25.

Annual fee: $149

Other benefits and drawbacks: Individuals who have an affinity for Southwest Airlines adore the airline. If you’re part of this group, it’s simple to comprehend why. The Companion Pass on its own makes Southwest a valuable choice for numerous people, and the inclusion of free checked bags and flexible tickets further enhances its appeal. It’s important to note, however, that amenities such as upgrades or premium cabin seating are not available on Southwest. Additionally, Southwest does not offer routes to Europe or Asia.

Many people are drawn to Southwest cards because they offer the opportunity to earn the 135,000 points required for a Companion Pass. This pass enables you to bring a companion on every flight throughout the year you obtained the pass and the subsequent year, potentially saving a significant amount of money if utilized effectively.

United℠ Explorer Card

If you’re a non-elite United Airlines passenger seeking travel benefits, the United℠ Explorer Card might be a good fit for you. It offers a free first checked bag, priority boarding, two annual complimentary United Club visits, and 25% back in statement credits for in-flight purchases on United flights. These perks can make the $0 intro annual fee for the first year, then $95 annual fee worthwhile. Additionally, there’s a statement credit of up to $100 for Global Entry or TSA PreCheck application fees.

Rewards: Get 2 miles for every dollar spent on dining, eligible delivery services, hotel stays, and United® purchases, and 1 mile for every dollar spent on other eligible purchases.

Welcome offer: Get 60,000 bonus miles when you spend $3,000 on purchases within the first 3 months of opening the account.

Annual fee: $0 intro annual fee for the first year, then $95

Other benefits and drawbacks: The card’s earning structure is not very generous, so it may take a while to accumulate miles through purchases. However, the card offers a wide range of travel and purchase protections as added benefits.

Methodology

• Types of points earned
• Value of points
• Annual fees

And additional perks such as:

• Lounge access
• Checked bags
• Other ongoing benefits
• Welcome bonus

Guide to Airline Miles

• What Is an Airline Credit Card?
• What Are Airline Miles?
• How Much Are Airline Miles Worth?
• Pros and Cons of Airline Credit Cards
• Who Should Apply for an Airline Credit Card?
• How To Choose an Airline Credit Card
• How To Make the Most of Your Airline Credit Card
• Alternatives to Airline Credit Cards
• Are Airline Credit Cards Worth It?
• Bottom Line
• Frequently Asked Questions (FAQs)

What Is an Airline Credit Card?

Airline credit cards are credit cards that are co-branded with a specific airline or rewards program, allowing users to earn frequent flyer miles or points on every purchase. These cards make it simple to accumulate points and miles with every transaction made while also providing other travel perks. Benefits such as free checked bags, priority boarding, airport lounge access, and discounts on in-flight purchases can help travelers save money and enjoy a more comfortable travel experience. Airline credit cards are an excellent option for frequent flyers who want to maximize their rewards and take advantage of additional benefits while traveling.

What Are Airline Miles?

Airline miles, also known as frequent flyer miles, are incentives that you receive for flying with an airline or using a co-branded airline credit card. These miles can be exchanged for rewards through the loyalty program, with flight redemption being the most popular option. Depending on the program and its offerings, other awards such as upgrades or merchandise may also be available. Accumulating these miles can be a great way to save money on future flights, especially if you frequently travel with a particular airline or use their credit card. Additionally, many airlines offer bonus miles for signing up to their loyalty program or using their co-branded credit card for the first time.

How Do Airline Miles Work?

An airline credit card is a type of card that rewards you with miles for your purchases. These miles are then deposited directly into your frequent flyer account, which is linked to your credit card account when you open the card. This means that you don’t have to take any extra steps or go through any additional processes to transfer the miles from your credit card to your frequent flyer account. Apart from earning miles, airline credit cards also offer other benefits such as priority boarding, lounge access, and discounts on in-flight purchases. It’s important to compare different airline credit cards and their rewards programs before choosing one that fits your travel needs and spending habits.

How To Earn Airline Miles

Earn airline miles by using an airline-branded credit card for purchases. Bonus miles are offered for certain expenses like travel booked directly with the credit card. Most cards provide lucrative welcome bonuses when you sign up and meet spending requirements. Partner companies like hotels and car rental agencies also offer additional miles. Loyalty programs and online shopping portals affiliated with the airline can help you earn more miles. Use your miles strategically and stay updated on any program changes. Be aware of annual fees and high interest rates before applying for a credit card.

Miles can be earned in a variety of ways apart from using your credit card. One common way to earn miles is by flying with the airline, where you accumulate miles based on the distance flown and class of service. Miles can also be purchased when booking a flight, allowing you to top up your account balance if you’re short on miles for a particular redemption. Additionally, some airlines partner with other companies such as hotels or car rental agencies to offer promotions that allow you to earn bonus miles when using their services. It’s essential to check the terms and conditions of each promotion to ensure that the rewards earned align with your travel goals.

How To Redeem Airline Miles

The way in which airline miles can be redeemed differs based on the airline and loyalty program. Typically, you will be required to access your loyalty program account, look for award flights, and then proceed with the booking process. Certain airlines may offer the option to redeem miles via phone or at an airport ticket counter.

• Book a flight. Airline miles can be used to book discounted or free flights.
• Upgrade your seat. Use your airline miles to upgrade your seat on a flight and enjoy the extra comfort and benefits.
• Upgrade to business class. Make your next flight a luxurious experience by using your airline miles to upgrade to business class.
• Redeem hotel stays. Use your airline miles to book discounted or free hotel stays.
• Redeem car rentals. Use your airline miles to book discounted or free car rentals.
• Shop in the airline’s online store. Use your airline miles to buy merchandise or gift cards in the airline’s online store.
• Purchase food and drinks on your flight. Use your airline miles to purchase food and drinks while on your flight, when permitted.
• Redeem airport lounge access. Use your airline miles to gain access to airport lounges and enjoy the extra perks.
• Donate your miles to charity. Use your airline miles to make a gift to participating charities.

The specific method for redeeming your miles will vary based on the program. You can find further information on redeeming particular airline miles in our guides.

Do Airline Miles Expire?

The expiration of mileage for different airlines is determined by their respective policies. While some airline programs might have miles that expire within a year, others may have no expiration date at all. It’s important to keep track of the miles you have accumulated and the expiration policies of the airline loyalty program you are enrolled in to avoid losing your hard-earned miles. Some airlines may also offer options to extend the validity of your miles or to redeem them for other rewards before they expire.

Most airline rewards programs require you to perform qualifying activities to keep your miles active. These activities may include making a reservation, transferring points from other flexible reward currencies, or making a purchase with a co-branded airline credit card. You can also earn miles by shopping through the airline’s frequent flyer program shopping portal. To avoid losing your hard-earned miles, it’s essential to stay up-to-date on the specific terms and conditions of your airline rewards program. By doing so, you can ensure that you are taking the necessary steps to maintain your account and maximize your rewards.

How Much Are Airline Miles Worth?

The worth of an airline mile is determined by the specific type of mile and the method of redemption. All miles are not of equal value. For instance, certain frequent flyer programs like Southwest Rapid Rewards and JetBlue TrueBlue points have a set value for their miles, where the cost of the award flight in cash dictates the miles required.

The value of airline miles will differ depending on the booking. For example, if a flight is priced at 50,000 miles and the cost is $500, the value is 1 cent per mile. If the flight costs $1,000 for the same 50,000 miles, the value is 2 cents per mile. The worth of an airline mile varies not only among redemption options but also with each redemption. Typically, a valuation of 1.5 to 2 cents per mile is considered reasonable for most types of airline miles.

When it comes to earning airline miles through credit card spending, there are a plethora of options available in the market. To narrow down the search and find the best credit card for your needs, it’s essential to look at curated lists that compare different cards based on their features, rewards structures, annual fees, and other relevant factors. These lists can be found on various online resources such as personal finance blogs, travel websites, and credit card review sites. It’s important to do your research before choosing a card to ensure you’re getting the most value out of your spending.

How To Use Airline Miles

Numerous strategies are available for maximizing redemption values, but a few important tips can assist you in consistently obtaining great value from your airline and credit card miles. The first tip is straightforward: make sure to use them. Hoarding points is typically not an effective strategy.

Accumulating savings for a significant redemption could be beneficial. However, if you have the points and can use them for a flight you would normally pay for, it is usually more advantageous to use the points. This is because their value is generally restricted to redemptions. Unlike financial currencies that can be invested, airline miles cannot work for you in the same way.

Redeeming flights is usually the most valuable option, unless your frequent flyer program allows you to transfer miles to another loyalty program, in which case transferring miles to another currency might offer more value. Hotels, rental cars, and other travel options could be a great second-most-valuable redemption choice depending on the program.

When redeeming rewards with airline credit cards, travel-related options like free flights or hotel stays are usually more valuable than cash redemption. However, reward values can vary depending on the card and issuer. Some cards also offer shopping options and merchandise redemptions, but these tend to have lower value compared to travel rewards. Evaluate your options carefully before deciding how to redeem your rewards.

Pros and Cons of Airline Credit Cards

Many travelers may find that airline credit cards, despite offering significant value to some, may not be suitable for them due to various drawbacks.

Pros of Airline Credit Cards

• Airline cards typically offer accelerated earning with a specific airline program
• Airline cards may offer airline-specific perks, such as no-extra-charge priority boarding, free checked bags and automatic upgrade or status qualification
• Premium airline cards offer great travel protections, lounge access and more

Cons of Airline Credit Cards

• Rewards earned with airline credit cards may typically only be redeemed for flights and upgrades with the specific airline
• Reward redemptions within airline programs are typically less flexible when it comes to additional reward redemption options such as cash back
• Some users may feel stuck within a specific loyalty program after a negative experience or series of negative experiences with a specific carrier, as switching carriers or flying with a less-expensive airline may not be an option after devoting time and energy to acquiring points within a specific program

Who Should Apply for an Airline Credit Card?

You might find an airline card suitable if:

1. You fly frequently with a specific airline, as airline cards typically provide bonus points or miles for each purchase made with the card.
2. You want to take advantage of airline-specific benefits, such as priority boarding, discounts on checked baggage fees, or discounts on flight tickets.
3. You want to take advantage of additional benefits, such as travel insurance, car rental discounts or access to airline-specific airport lounges.
4. You want to save on foreign transaction fees, as many airline cards waive these fees.
5. You’re looking to acquire a large number of a specific type of airline points from a welcome bonus.

How To Choose an Airline Credit Card

Prior to selecting a credit card for air travel, it is important to address several questions.

• Do you always fly the same airline? If you don’t always fly the same airline, it almost certainly makes sense to pick up a flexible rewards card, which maximizes your redemption options while only adding one card to your wallet.
• Do you have status with an airline? If you already have status with an airline, you’re unlikely to pick up much in terms of benefits from a mid-tier airline-specific credit card as many of the benefits, such as free checked bags, are also benefits of status.
• Do you want to access airport lounges? If you want access to airport lounges, you have quite a few options. Would you prefer to access a specific airline’s lounge? If so, look into its top-tier credit card. If you prefer more general lounge access, consider a card that includes Priority Pass.
• Do you want travel insurance? Some credit cards include various types of travel insurance as a benefit of using the card to book your tickets. If this is something you think you can benefit from, choose a card that offers protection.
• How hard do you want to work to use your points? Some points are more convenient to use than others. If you prefer using points with ease, you might want to think about opting for a credit card such as the Capital One Venture Rewards card, which enables you to apply points towards travel. Alternatively, if you can adhere to the restrictions of a particular airline program, then that airline’s card could be suitable for you. For added flexibility, a versatile card like the Chase Sapphire Reserve® could be a good option, as it allows you to either redeem points for cash or transfer them to partner programs.

How To Make the Most of Your Airline Credit Card

Utilizing a co-branded airline card to its fullest potential begins before the application process. By assessing which card suits your needs best, you are already initiating the crucial first step. Selecting the appropriate card for earning points constitutes a significant portion of optimizing card perks and incentives. It is equally important to ensure that the card offers benefits that are practical for you, such as complimentary checked bags, priority boarding, or flight credits, in addition to aligning with your spending patterns for reward accumulation.

If you have a co-branded United Airlines card but United or its partners do not operate flights to your local area or if your city is not a United or affiliated hub, you may find it difficult to fully utilize the card since you are less likely to travel with or utilize United. Similarly, if your card provides optimal rewards for dining out but you usually prepare meals at home, you might benefit more from a card that offers rewards for grocery store purchases.

While it may be challenging to find an airline card that perfectly matches your needs and spending habits, it’s important to invest the time to find a rewarding card. If an airline card doesn’t meet your requirements, consider exploring our selection of top travel cards for broader travel perks and rewards.

Alternatives to Airline Credit Cards

There are numerous options available for individuals who want to maximize credit card rewards and perks without using an airline card.

• Travel rewards cards. Travel reward cards not tied to a particular partner airline or hotel can accumulate points that can be used for various types of travel with almost any airline or hotel group. These cards are commonly provided by banks and financial institutions that have their own travel agencies and reward schemes. While travel rewards cards typically come with excellent travel benefits, these benefits are unlikely to be specific to a particular airline.
• Flexible rewards cards. Flexible reward programs frequently provide a variety of redemption choices, such as travel redemptions through a company’s agency, serving as excellent alternatives to airline credit cards due to their significantly broader range of redemption options.
• Cash-back cards. Cash back credit cards provide rewards for various types of purchases beyond just travel expenses with a particular airline, and the most advantageous redemption choices usually include depositing into a bank account or receiving a statement credit. Given that cash is ultimately the most versatile reward, it’s understandable that those who don’t intend to use all their rewards for travel expenses would lean towards a cash back credit card.
• Hotel credit cards. Do you prefer using your rewards for hotel stays? The top hotel credit cards provide complimentary nights, generous sign-up bonuses, and abundant rewards for various types of purchases. Similar to airline cards, the rewards and perks are usually geared towards a particular hotel chain or group of brands.

Are Airline Credit Cards Worth It?

Many regular air travelers find airline credit cards to be valuable. These cards offer the opportunity to accumulate extra miles for free flights and, in certain instances, expedite elite qualification. Additionally, they come with perks that enhance the travel experience, such as priority boarding, complimentary checked bags, and access to airport lounges. Even individuals who only fly once or twice a year with their family on a particular airline may discover that the complimentary checked bag benefit, available with many cards, outweighs the annual fee.

For those who don’t have a particular loyalty towards any specific airline, flexible rewards cards may be a more suitable option than airline-specific ones. With these cards, you have the freedom to redeem your points across several airlines when you are ready to travel. On the other hand, if you are someone who doesn’t travel at all, then airline credit cards would not be a wise investment and might be better off choosing a cashback rewards card that offers perks on everyday spending. It’s important to assess your own lifestyle and spending habits before deciding on which type of rewards card will benefit you the most.

Bottom Line

Airline credit cards offer a host of benefits that can enhance the flying experience, from extra legroom to qualifying for upgrades. However, selecting the most suitable card requires careful consideration as it is a significant financial decision. Sorting through the numerous benefits offered by different cards can be overwhelming. To help you choose the right one, it is essential to read the fine print and match the benefits with your needs and preferences. Although our list provides some of the best overall options available in the market, it’s imperative to keep in mind that what works for one airline enthusiast may not be ideal for another. Therefore, choose wisely based on your travel habits, spending patterns, and rewards programs that align with your goals.

Frequently Asked Questions

What is the best airline credit card?

The ideal airline rewards card is the one that offers the most benefits for your specific needs. Take into account your travel preferences, desired flight amenities, and your airfare expenditure. Additionally, assess if the card provides perks like increased points accumulation, additional elite qualifying miles, or exclusive promotions.

If you have allegiance to a particular airline, it could be beneficial to have that airline’s card even if the earning rates are not the highest. If you do not have allegiance to a specific airline, a program that earns versatile rewards like Chase Ultimate Rewards or American Express Membership Rewards is probably a better option.

What is the easiest airline credit card to get?

To be approved for most rewards cards, such as airline credit cards, you generally need a higher level of creditworthiness. If you meet the minimum requirements for each card, the easiest airline credit cards to obtain are those that do not have an annual fee. We have highlighted a number of preferred travel cards without annual fees that you may find appealing.

What credit score do you need to get an airline credit card?

In general, rewards cards like airline credit cards usually need a good to excellent credit score. A score between 670 and 739 may be enough for a basic rewards card, but a score of 740 or higher is typically required for the best rewards.

How can you earn airline miles?

There are multiple methods for accruing airline miles, with the most common being the purchase of airline tickets or the use of an airline’s credit card. The mileage earned from spending will differ based on the specific card. Typically, airline cards offer additional miles for transactions directly with the airline, and some cards feature bonus categories like travel, dining, or gas purchases.

Paying with an airline credit card does not impact your opportunity to accrue frequent flyer miles for the same flight. While you can earn extra miles from the card used for payment, you will not receive additional miles from the airline. Each airline calculates miles using its own criteria, including ticket price, distance traveled, and elite status.

Do I have to be a frequent flyer to have an airline credit card?

Certainly! The benefits of an airline credit card, such as savings on baggage, earnings on purchases, and welcome bonuses, can be advantageous for even infrequent flyers. It is important to note that one must be a member of the airline’s frequent flyer program to enjoy these perks.

However, you can still enjoy similar advantages by obtaining a travel rewards card with versatile miles. Utilizing flexible miles provides you with more choices for redeeming your rewards.

Are airline credit cards hard to get?

The ease of getting approval for a particular card hinges on the issuer’s evaluation of your creditworthiness. If the issuer demands excellent credit, high income, and a substantial annual fee, the approval criteria will be more stringent compared to a card with less strict requirements.

Are credit card miles the same as “regular” airline miles?

In the majority of situations, yes, you can usually use credit card miles in the same account and they hold the same worth. However, there are instances where certain airlines have different calculations for credit card spending in relation to elite status.

Furthermore, certain credit cards allow users to accumulate miles as part of their rewards program, such as Capital One Venture Miles. These miles are not specific to any airline, but they can be used to book flights or transferred to airline partners. There are also other credit cards that earn points convertible to airline miles.

Should I buy airline miles?

Typically, it’s not advisable to buy airline miles without a specific redemption in mind. Airline miles are owned by the airline, not by the purchaser, and the airline can devalue them at any time. However, if you have a particular redemption in mind and need just a few more miles, purchasing miles could be a reasonable option.

How can you use credit card points to buy airline tickets?

The ways in which you can utilize credit card points for airline tickets depend on the type of card you possess. Transferable points enable direct transfer to an airline partner for booking an award ticket. Certain points offer the option to book a ticket through your credit card’s travel portal. Additionally, you might have the opportunity to redeem points for cash back and purchase a ticket directly. Points earned from a specific airline are usually only usable with that airline and its partners.

Do airline credit cards get you free checked bags?

If you travel often and aim to reduce expenses on baggage fees, obtaining an airline credit card could be a suitable choice. Numerous airline credit cards provide complimentary checked bags as a perk for cardholders. Nevertheless, it’s crucial to recognize that the quantity of bags permitted per booking may vary based on the airline and the particular credit card. Generally, paying an annual fee for your card entitles you to a free baggage allowance. This is a valuable benefit for frequent travelers seeking to minimize costs related to checking luggage.

Do airline credit cards get you into the airport lounge?

Typically, premium cards like the United Club℠ Infinite Card or Delta SkyMiles® Reserve American Express Card (Terms apply, see rates & fees) are the ones that provide access to airport lounges. Certain mid-tier cards like the United℠ Explorer Card offer annual one-time passes as a cardholder benefit.

Do airline credit cards charge an annual fee?

The annual fee for mid-tier airline credit cards is typically about $95, while elite cards can charge up to $695. However, the Delta SkyMiles® Blue American Express Card and the American Airlines AAdvantage® Mile Up®* are well-known airline cards that do not have an annual fee for new applicants.

How do you transfer credit card points to airline miles?

Some credit card points cannot be converted into airline miles, while Chase Ultimate Rewards points, American Express Membership Rewards points, and Citi ThankYou points are among the most commonly transferable currencies.

The instructions for transferring credit card points to airline miles may vary slightly for each transfer partner, but you can typically do so through your credit card’s rewards page. Ensure that you have your frequent flyer number ready to complete the transaction.

How can you earn airline miles without a credit card?

There are multiple methods to accumulate airline miles without using a credit card. Some of the most prevalent ones include:

• Book flights using your frequent flyer number. Most flights taken with your chosen airline or its partners can earn you miles.

• Use Numerous airlines offer online shopping portals that allow you to make purchases from a wide range of participating retailers and accumulate additional miles for each dollar spent.

• Participate in dining programs. A number of airlines offer dining programs that allow you to enroll your credit cards and accumulate miles by dining at select restaurants.

• Book hotels or Airbnb stays. Certain airlines have affiliations with hotels or Airbnb, allowing you to accumulate miles when you make accommodation reservations through their online platforms or applications.

How many miles do you need for a free flight?

Airlines offer the appealing benefit of obtaining a free flight using miles. The required miles depend on factors like the airline, distance, and class. Different airlines have different approaches, such as fixed award charts or dynamic pricing. Researching and comparing airline policies is advisable to ensure optimal value. It’s important to plan in advance, make early bookings, and understand each airline’s policies to maximize rewards and reduce travel costs.

Can I earn elite status with an airline credit card?

The majority of credit cards do not provide airline elite status, but certain premium cards will grant you elite qualifying miles (EQM) when you reach a specific spending threshold. However, it is unlikely that you can achieve status through spending alone, as most airlines impose a limit on the number of EQMs you can earn.