Comparing the best airline miles credit cards
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Editor’s picks: Airline rewards credit card detailsBest general airline credit card: Capital One Venture Rewards Credit Card
Read our Capital One Venture Rewards Credit Card review or jump back to this card’s offer details. Best for luxury travel perks: The Platinum Card® from American Express
Read our The Platinum Card® from American Express review or jump back to this card’s offer details. Best for unlimited miles on purchases: Capital One Venture X Rewards Credit Card
Read our Capital One Venture X Rewards Credit Card review or jump back to this card’s offer details. Best for no annual fee: Bank of America® Travel Rewards credit card
Read our Bank of America Travel Rewards credit card review or jump back to this card’s offer details. Best for sign-up bonus: Chase Sapphire Preferred Card
Read our Chase Sapphire Preferred Card review or jump back to this card’s offer details. Best for JetBlue: Citi Premier® Card
Read our Citi Premier Card review or jump back to this card’s offer details. Best for Southwest airlines: Southwest Rapid Rewards® Plus Credit Card
Read our Southwest Rapid Rewards Plus Credit Card review or jump back to this card’s offer details. Best for less frequent travelers: Capital One VentureOne Rewards Credit Card
Read our Capital One VentureOne review or jump back to this card’s offer details. Best for American Airlines: American Airlines AAdvantage MileUp℠ Card
Read our American Airlines AAdvantage MileUp Card review or jump back to this card’s offer details. Best for Alaska Airlines: Alaska Airlines Visa Signature® credit card
Read our full Alaska Airlines Visa Signature® credit card review or jump back to this card’s offer details. Best for airline miles flexibility: Discover it® Miles
Read our Discover it Miles review or jump back to this card’s offer details. What are airline credit cards and how do they work?Airline credit cards are typically aligned with airlines to bring you rewards specific to that brand, although there has been a movement in the last year to offer boosted general rewards as well. Called co-branded cards, these products reward you for loyalty to that brand through in-flight purchases and tickets, as well as brand-specific benefits. Keep in mind that you’ll want to pick a card partnering with an airline you’ll actually use, or there’s no point in earning all those miles. For example, American Airlines has a hub in Charlotte, while United has a hub in Houston, and Delta is based out of Atlanta. Where you live and go should factor into your decision. “Airline cards are especially valuable when you’re loyal to a particular carrier,” says Ted Rossman, CreditCards.com’s industry analyst. “The miles you earn through a sign-up bonus and your ongoing spending can quickly earn you a free trip. Plus, airline cards often offer additional perks such as free checked bags and priority boarding. Many of them charge annual fees, but they can be recouped quickly. For example, a $95 annual fee equals roughly three checked bags. A family could come out ahead after just one flight.” In addition to co-branded cards, there are general-purpose travel credit cards that partner with airlines for redeeming points or miles, such as Capital One Venture Rewards and Chase Ultimate Rewards. What is the difference between an airline credit card and a general travel credit card?Though they are both handy for travelers, there are clear differences between an airline card and a general-purpose travel card. For starters, an airline card offers rewards for loyalty to one specific carrier or alliance whereas a general-purpose travel card partners with multiple airline brands. If your closest airport happens to be a designated hub for a particular airline, you might find that airline’s branded credit card to be the most convenient. With an airline credit card, you can often earn boosted rewards on travel and in-flight purchases. A general-purpose travel credit card tends to reward for a variety of categories, sometimes even offering rewards for all purchases. More recently, airline credit cards have begun to reward for everyday spending in categories such as groceries, although it isn’t nearly as common as with general-purpose cards. General travel cards also offer benefits such as Global Entry or TSA Precheck credits, while airline cards might offer complimentary checked baggage, seating upgrades and lounge access. Pros and cons of an airline credit cardPros of an airline credit card
Cons of an airline credit card
Most popular airline rewards programs
Do airline miles expire?When it comes to airline rewards, few things are more frustrating than seeing your hard-earned points and miles expire before you’ve had a chance to use them. Unfortunately, only a few airline rewards programs offer miles that never expire, with the vast majority requiring you to either earn or redeem miles within 1-2 years or risk forfeiting the miles in your account. In some cases, you can have expired miles restored to your account, but don’t be surprised if you’re asked to pay a reinstatement fee. Here’s how airline point and mile expiration breaks down with some of the most popular airline rewards programs:
How to choose an airline credit cardWho should get an airline credit card
Who should skip an airline credit card
How to make the most of an airline credit cardConsider how frequently you flySimply put, if you don’t fly more than a couple of times a year, you probably don’t need an airline credit card. While some airline credit cards let you earn miles on everyday purchases, like gas or groceries, you generally get the most bang for your buck by redeeming for free flights. And while many cards have moved away from blackout or expiration dates on miles, you’re not likely to recoup the annual fee associated with most of these cards if you’re not cashing in your rewards each year or taking advantage of the ancillary perks a card entitles you to. If your spending tends to vary, consider a general rewards credit card or a cash back credit card instead. Identify your carrier of choiceIf you do fly frequently, consider next whether you tend to do so on the same carrier. (That’s generally dictated by whether you live near an airline hub or a major airport serviced by carriers with a large flight network.) If so, that brand’s airline credit card could help you earn award flights more quickly, qualify for elite status and receive perks that let you travel in style. If you’re more likely to fly on a variety of carriers throughout the year or you like to comparison-shop for deals across travel providers, consider a general purpose travel credit card. We’re partial to the Capital One Venture Rewards Credit Card, which offers 2X miles on general purchases and lets you redeem rewards as statement credits for a wide variety of travel expenses. Account for a card’s transfer partnersMany general purpose travel credit cards let you transfer your points to partnering airlines. Review their list of current partners to see if they’re in line with your travel habits. Transferring points is often a great way to get a bit more bang for your buck. Learn other ways to maximize credit card rewards. Ask yourself if you check a bagMost airline’s charge $30 for a first checked bag and $40 for a second, so if you frequently travel with a suitcase, an airline credit card that lets you skip that charge can save you money or, at least, cover a card’s annual fee before you factor in the rewards. Decide if you’re looking for lounge accessSome premium travel rewards credit cards offer access to a large number of airport lounges, irrespective of brand. The Platinum Card from American Express, for example, grants cardholders access to the American Express Global Lounge Collection®, which includes more than 1,300 airport lounges around the world. The Chase Sapphire Reserve, meanwhile, comes with complimentary access to Priority Pass lounges in more than 1,200 locations around the world. Are airline credit cards worth it in 2022?If you travel frequently and tend to fly the same carrier each time, a good airline credit card could help you earn loyalty points (and, by extension, award flights) faster. They could also entitle you to benefits that make flying more enjoyable or cost-effective, like priority boarding, a free checked bag, elite status and upgrades, when available. While travel restrictions have mostly relaxed since the early days of the pandemic, you still may be traveling less than you did before Covid. It’s important to carefully consider how often you plan to fly within the next year or so before deciding on whether to get an airline credit card. Of course, if the card has no annual fee, we say it’s a no-brainer. While you’re waiting around for your next trip to roll around, you may as well be accumulating points or miles to fund future getaways. If the card has an annual fee, you have more to think about, but the logic is the same. As always with an annual fee card, you should make sure that your estimated yearly rewards value is greater than the cost of the annual fee. If that’s the case and you’re OK with delayed gratification, there’s no reason not to start earning points and miles while you’re between trips. (Learn how to determine when an annual fee is worth it.) When assessing whether or not an airline credit card is a good option for you, here are 5 things to look at:
How we picked the best airline credit cardsResearch methodology: We analyzed 148 airline credit cards to identify the best ones currently on the market. The major factors we considered in making our Editor’s picks include:
Full criteria used: Rewards rates, rewards categories, airline alliance partners, other transfer partners, sign-up bonus, point values, redemption options, redemption flexibility, elite status, annual fee, travel credits, airport lounge access, miscellaneous travel benefits, rates and fees, customer service, credit needed, upgrade and downgrade options. For more detail on our review scores, see our ratings process for airline cards. More information on airline credit cardsFor more information on all things travel cards, continue reading content from our credit card experts:
* All points and miles valuations have been provided by The Points Guy Tracy Stewart Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere. About the EditorJeanine Skowronski Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine. About the ReviewerStephanie Zito Stephanie Zito is a professional traveler, humanitarian and credit card points collector sharing savvy travel tips she has learned firsthand from more than 20 years of circling the globe as a backpacker, expat and premium traveler in more than 125 countries and all seven continents. Which international travel card is best?The Chase Sapphire Preferred® Card is the best, all-around international travel card for most consumers, thanks to its flexible points and great travel benefits.
Is it better to use miles for domestic or international?Booking international flights is generally the best use of your points when you consider the cents per mile value. You can use the points to splurge on trips you might not be able to afford otherwise.
Is Chase Sapphire Preferred good for international travel?Chase Sapphire Preferred cardholders pay no foreign transaction fees on charges outside of the U.S. Many other credit cards charge a fee equal to a percentage of your purchases, commonly 3%.
Which airline has the best Mile program?Best frequent flyer programs of 2022. Mileage Plan from Alaska Airlines.. MileagePlus from United Airlines.. SkyMiles from Delta Air Lines.. HawaiianMiles from Hawaiian Airlines.. AAdvantage from American Airlines.. |