Compare and Choose: Best Airline Credit Cards for March 2024

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best airline credit cards

best airline credit cards: Choosing the best airline credit card are a crucial decision, and perhaps the most crucial one, but it’s not solely based on the card’s benefits and perks. Your location plays a significant role. If your local airport is primarily served by a specific airline, such as Delta in Atlanta or United in Denver, then their respective credit cards might be your most practical choice. However, if you have multiple airlines competing at your airport, you have the luxury of choosing from a variety of credit cards.

Best Airline Credit Cards

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Best Airline Credit Cards

Credit card

Rating

Annual fee

Rewards rate

Intro offer

Chase Sapphire Preferred Card

$95

1x-5x Points

60,000 Points

Delta SkyMiles

$0 intro for the first year, then $150

1x-2x Miles

70,000 Miles

United Explorer Card

$0 intro for the first year, then $95

1x-2x Miles

50,000 Miles

Alaska Airlines Visa

$95

1x-2x Miles

70,000 Miles

Southwest Rapid Rewards® Priority Credit Card

$149

1x-3x Points

50,00 Points

Delta SkyMiles

$650

1x-3x Miles

100,000 Miles

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Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card’s out there. Just answer a few questions and we’ll narrow the search for you.

FULL LIST OF BEST AIRLINE CREDIT CARDS

Before applying, confirm details on the issuer’s website.

Chase Sapphire Preferred Card

 

Our pick for: Flexible redemption + big sign-up bonus:

The Chase Sapphire Preferred® Card offers fantastic value with its affordable annual fee. You can earn bonus rewards (up to 5X) on various categories such as travel, dining, select streaming services, and select online grocery purchases. When you redeem your points for travel booked through Chase, they are worth 25% more. Alternatively, you have the option to transfer your points to around twelve airline and hotel partners. On top of all that, the sign-up bonus is absolutely amazing!

Delta SkyMiles Gold American Express Card

 

Our pick for: Delta Air Lines

The Delta SkyMiles® Gold American Express Card offers bonus rewards on Delta flights, as well as at restaurants globally and U.S. supermarkets. It stands out as an airline card that’s perfect for everyday expenses. With top-notch checked-bag benefits, priority boarding, and the chance to earn a flight credit annually, this card is a steal for loyal Delta customers.

Citi AAdvantage Platinum Select World Elite Mastercard

 

American Airlines

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a great choice for those who often travel with American Airlines. You can earn bonus rewards at gas stations and restaurants, receive a generous sign-up bonus, enjoy a checked-bag benefit, priority boarding, and more. Additionally, every purchase made with the card helps you earn points towards elite status.

United Explorer Card

 

United Airlines 

best domestic airline card

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a great choice for those who often travel with American Airlines. You can earn bonus rewards at gas stations and restaurants, receive a generous sign-up bonus, enjoy a checked-bag benefit, priority boarding, and more. Additionally, every purchase made with the card helps you earn points towards elite status.

Southwest Rapid Rewards® Priority Credit Card

Southwest Airlines

The top-tier card from Southwest Airlines is also its finest. While the Southwest Rapid Rewards® Priority Credit Card doesn’t provide more lucrative rewards or a significantly superior sign-up bonus compared to the airline’s lower-cost cards, it does come with an annual travel credit, an excellent anniversary bonus, and additional benefits that make its annual fee worthwhile.

Alaska Airlines Visa® credit card

Alaska Airlines

If you frequently fly with Alaska Airlines or travel often on the West Coast, you should definitely consider getting the Alaska Airlines Visa® credit card. The annual Companion Fare benefit can easily outweigh the reasonable annual fee.

JetBlue Plus Card

Our pick for: JetBlue

Not everyone can choose JetBlue due to its smaller size. However, if you do decide to fly with them, make sure to consider the JetBlue Plus Card. This card offers you a substantial amount of high-value miles, along with additional benefits such as a checked bag allowance, a generous anniversary bonus, and various other perks.

Allegiant World Mastercard®

Our pick for: Allegiant vacation travelers

Allegiant Air is perfect for travelers looking to save money on their vacations. If you frequently book trips to destinations such as Orlando, Las Vegas, and Southern California, this card could be a great option for you. Just like the airline, the card is simple and straightforward.

American Airlines AAdvantage® MileUp®

Our pick for: No-annual-fee airline card

For those who fly with American Airlines occasionally but are loyal customers, the American Airlines AAdvantage® MileUp® card with no annual fee is a great option to earn miles and elite frequent-flyer status credits affordably.

American Airlines AAdvantage® MileUp®

Our pick for: Premium airline card

Each airline offers a premium card for access to their airport lounges, however, the Delta SkyMiles® Reserve American Express Card goes a step further by granting access to American Express’s Centurion Lounges when flying Delta. Additionally, it includes an annual companion certificate that can be used even in first class.

Aeroplan® Credit Card

Our pick for: International airline card

 The Aeroplan® Credit Card is definitely worth considering for frequent travelers in Canada and/or on the Star Alliance network. With its fantastic rewards rates, generous bonus opportunities, and various perks, it offers a great advantage and helps you get closer to elite status. Take a closer look at all the benefits it has to offer!

Delta SkyMiles® Reserve Business American Express Card

Our pick for: 

Airline card for small business

Travel frequently for work? Enjoy access to Delta Sky Clubs and American Express Centurion Lounges with the Delta SkyMiles® Reserve Business American Express Card. Plus, get an annual companion certificate and checked-bag benefit for added value. Terms and conditions apply.

How to choose an airline credit card

Deciding if an airline credit card is right for you involves considering if you frequently fly with the same airline and if the perks outweigh the annual fee, as opposed to a general travel credit card.

The greater your loyalty to a specific airline, the easier it becomes to accumulate sufficient miles for a complimentary flight at upgrade, allowing you to redeem those rewards for your desired trip. Baggage fees are an important factor to consider as many top airline cards offer a waiver for checked bag fees, making up for the annual fee in no time.

If you frequently fly with one airline, it’s best to go for a card from that specific carrier. However, if you find yourself flying with multiple airlines often, it might be worth considering getting cards for both. When deciding between credit cards from a major airline, one key factor to consider is the access to airport lounges. If you value lounge access, opt for the premium card, but keep in mind that it comes with a high annual fee. Be cautious that a basic, no-annual-fee airline card may not offer complimentary checked bags.

Should you consider a no annual fee airline card?

The three biggest domestic airlines all offer credit cards with no annual fee:

  • AmericanAmerican Airlines AAdvantage® MileUp®.

  • DeltaDelta SkyMiles® Blue American Express Card.

  • UnitedUnited Gateway℠ Card.

People who don’t travel often but still want to accumulate airline miles can benefit from no annual fee airline cards. These cards provide a sense of progress towards a future trip with every purchase, which can be psychologically rewarding. However, we suggests that frequent flyers opt for cards with annual fees. Although no-annual-fee cards also earn miles (often at similar rates to their fee-based counterparts) and may offer discounts on in-flight amenities, they do not provide the most valuable advantages that come with carrying an airline card.

  • Annual fee airline cards typically offer the benefit of a complimentary checked bag for both you and a companion on your reservation. Considering the current $30 bag fees, this perk alone can save a couple a substantial $120 on a single roundtrip, which easily compensates for the usual $95 annual fee. Conversely, it’s important to note that no-annual-fee cards generally do not provide the advantage of free bags.
  • Annual fee airline cards typically offer you the advantage of priority boarding. This can be referred to as either “priority boarding” or “preferred boarding” by different airlines. Essentially, it means that you have the privilege to board the plane after passengers with elite frequent-flyer status but before the rest of the passengers. On the other hand, no-annual-fee cards do not provide you with any head start when it comes to boarding.
  • Annual fee airline cards offer richer bonuses. New cardholder bonus offers on cards with fees are typically hundreds of dollars more than on no-annual-fee cards.

Hardcore travelers may find that premium cards with annual fees around $450 provide not only all of the mentioned benefits, but also VIP service, access to exclusive airport lounges, and other luxurious perks.

If you travel with one airline a few times per year and often check bags, opting for a credit card with an annual fee will actually save you more money compared to a card with no annual fee. However, if you’re completely against paying annual fees, it might be best to skip getting an airline card altogether. Instead, you could consider getting a general purpose travel credit card with no annual fee, which allows you to use your rewards on any airline or travel expense. Alternatively, you could also choose a cash-back credit card and save up your cash rewards for your next trip.

How to make the most of your airline credit card

 

Don’t forget to connect your airline card to your frequent-flyer account – this is how certain airlines decide if you are eligible for complimentary checked bags. Also, remember that with certain airlines like United Airlines and JetBlue Airways, you need to use your airline card to purchase your tickets to be eligible for free checked bags.

 

When traveling abroad, it’s a smart move to consider using airline cards that don’t charge foreign transaction fees. These cards can be a great option because they often offer accelerated rewards for airline purchases, such as earning 2 miles or more per dollar spent. So, make the most of your card by using it for airfare, in-flight purchases, and other expenses related to airlines. Additionally, take the time to familiarize yourself with all the features of your card and the frequent flyer program it’s associated with to optimize your benefits.

 

Frequently asked questions

When you make a purchase using an airline-branded credit card, you will accumulate rewards points known as “miles.” These miles will be added to your account in the airline’s loyalty program, allowing you to redeem them for complimentary flights. Additionally, airline credit cards often offer additional benefits like free checked bags, priority boarding, discounts on in-flight purchases, or access to exclusive airport lounges.

Typically, there is no cap on the number of miles you can accumulate with an airline credit card. The greater your spending, the greater your rewards.

– Earn a minimum of 1 mile for every dollar spent on most airline cards.
– Get additional miles when making purchases directly with the airline, usually 2 or more miles per dollar.
– Certain cards offer bonus miles for specific categories, such as booking with airline partners or spending at hotels and restaurants.

 Moreover, the majority of credit cards offered by airlines provide new cardholders with a special bonus to encourage them to use the card. By spending a specific amount of money, let’s say $2,000, within the initial months, you will receive a substantial number of miles added to your account.

The miles you earn with an airline credit card come on top of the miles you earn from actually flying on the airline.

Nowadays, many frequent flyer programs calculate miles based on the amount spent on a ticket rather than the actual distance traveled. This shift in earning miles is a departure from the original concept where miles earned were directly tied to the miles flown. For instance, a loyalty program may offer 5 miles for every dollar spent on a ticket to its basic members. So, purchasing a $1,000 ticket would result in earning 5,000 miles. By using the airline’s credit card for the purchase, one could potentially earn an extra 2 miles per dollar, increasing the total rewards for the flight to 7,000 miles.

 Airline miles do not have a fixed value, but it’s a good idea to consider them as roughly equivalent to 1 cent each. The worth you actually receive varies based on the amount of money you save when using them for a complimentary flight. This, in turn, is influenced by factors such as the airline you choose, the specific route you’re taking, how early you book your flight, and the type of ticket you purchase (economy, business, first class).

There are two main factors to consider when it comes to getting a ticket: the price of the ticket and the number of miles you need to use in order to get that ticket. Let’s say you use 20,000 miles to get a ticket that would have originally cost you $300. In this case, you’re getting a value of 1.5 cents per mile ($300 divided by 20,000 equals $0.015).

Being part of the elite status in a frequent flyer program comes with exclusive perks that are usually not accessible to regular travelers, including complimentary seat upgrades, priority boarding, increased rewards rates, waived fees, and various other advantages. Airlines typically reserve this prestigious status for their most loyal customers, making elite qualification primarily dependent on the amount of business you conduct with the airline – the total expenditure on tickets and the number of flights taken. It’s important to note that miles accumulated from credit card spending usually do not contribute towards achieving elite status.

 

However, there are certain airline credit cards that provide an extra perk of boosting your elite status. For instance, the Southwest Rapid Rewards® Premier Credit Card offers a way to achieve Southwest’s prestigious “A-List” status by earning 35,000 “tier qualifying points” within a year. It’s important to note that these qualifying points are typically earned by purchasing tickets directly from Southwest, and not through spending on the credit card. Nevertheless, the credit card issuer sweetens the deal by offering a bonus of 1,500 tier qualifying points for every $10,000 spent on the card, with a maximum of 15,000 points per year.

 

Also, keep in mind that airline credit cards offer some of the perks of elite status, such as free checked bags and preferred boarding.