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Comparing the Best Airline Credit Card Offers
Updated: December 9, 2019
Choosing a credit card can be difficult, and choosing the “right” one for your needs can be even more of a challenge. If you fly often, you'll want to make sure the card you select helps you maximize your opportunity to earn airline status as you spend money on flights.
With the new year ahead, now is a good time to learn how you can use airline credit cards to save on airfare for your upcoming trips. We've compiled a list of the best airline credit cards for your needs, and this guide will walk you through how to select the right one for you.
Best Airline Credit Cards
Why it's the best airline credit card for airline transfer partners
The Venture Rewards card comes with a long list of airline transfer partners, with JetBlue as one of the most recent additions, which has broadened its appeal considerably.
As one of our highest rated credit cards, the Venture Rewards card is great for airlines and all things travel. You can get a head start on miles by hitting the sign-up bonus of 50,000 miles for spending $3,000 in purchases in your first 3 months. The current miles valuation is 1.4 cents per mile*. With unlimited 2X miles on all other purchases, you'll soon be stacking up the rewards.
The current airline partners largely consist of international airlines rather than major U.S.-based carriers. Also note that there is a $95 annual fee, but it is waived for the first year.
Why it's the best airline credit card for sign-up bonus
Chase Sapphire Preferred is widely considered one of the best travel cards available, and for good reason. For example, the 60,000-point sign-up bonus (for spending $4,000 in the first 3 months) is worth $750 towards travel when redeemed through the Chase Ultimate Rewards Program. The current point valuation for Chase Ultimate Rewards is 2 cents per point*.
While technically not an airline card, the Chase Sapphire Preferred partners with a number of airline and hotel brands on a 1:1 point transfer, which opens up your travel options nicely. "Chase Sapphire Preferred's partners are a strong mix of domestic airlines (United, Southwest and JetBlue), international airlines (British Airways, Air France/KLM, and recently added Emirates, to name a few) and popular global hotel chains (Marriott, Hyatt and IHG). There's tremendous choice, diversity and value among those options," says Ted Rossman, industry analyst for CreditCards.com.
There is a $95 annual fee, which is not waived in the first year. While the CSP can be used for booking airfare on any airline, the trade-off is that you don't get some of the same airline-specific benefits offered by co-branded airline cards.
Why it's the best airline credit card for no annual fee
The Blue Delta SkyMiles is a rare airline card that offers no annual fee, and that's with such features as receiving 20% off purchases in the form of a statement credit on eligible Delta in-flight purchases of food, beverages, and audio headsets. The mile valuation for SkyMiles is 1.2 cents*.
This card's 10,000-mile welcome offer may not be much to write home about, but there's only a $500 spend required within the first 3 months, making it quite forgiving for the cardholder on a budget. You can earn 2X miles at U.S. restaurants – something that you don't often see with airline cards – as well as on purchases made directly with Delta.
This card falls short of the value offered by the Gold Delta SkyMiles card, although the latter charges an annual fee.
Why it's the best airline credit card for Delta Air Lines
There's priority boarding and the first checked bag is free with the Gold Delta SkyMiles – and the checked baggage offer is for the basic cardholder as well as up to 8 travel companions on the same reservation, which is up to $540 in savings on a round-trip flight. Like the Blue Delta card, the SkyMiles mile valuation stands at 1.2 cents*.
The Gold Delta SkyMiles' 30,000-mile welcome offer after a $1,000 spend within the first 3 months is a very solid feature for Delta flyers. This required spend is very reasonable for the size of the offer. Plus, you can get a $50 statement credit for using your new card to make a Delta purchase within the first 3 months. Features include discounted Delta Sky Club access, ticket presales and VIP events, car purchase discounts and more.
There is an annual fee of $95, although this is waived in the first year. As far as earning rewards, it is not the most impressive out there, with 2 miles per dollar only on direct Delta purchases and only 1 mile per dollar on other purchases.
Why it's the best airline credit card for Virgin Atlantic
With a couple of unusual bonuses that further boost your rewards, the Virgin Atlantic World Elite Mastercard is a keeper for loyalty travel. You can earn up to 5,000 Flying Club bonus miles when you add authorized users, and you can earn up to 15,000 miles each anniversary after qualifying purchases of $25,000 or more. The mile redemption valuation is 1.5 cents*.
For the loyal Virgin Atlantic flier who plans to spend at least $25,000 on the Virgin Atlantic World Elite, this card's features can be superior.
Sadly, the $90 annual fee isn't waived the first year. Also, you'll need to spend a high dollar amount to unlock some of this card's best benefits, such as the same cabin companion reward ticket offer.
Why it's the best airline credit card for United Airlines
The benefits for the United Explorer are lucrative, including priority boarding privileges and visiting the United Club with 2 one-time passes each year for your anniversary. But one of its greatest values is that you can get up to a $100 credit for Global Entry or TSA PreCheck, giving it yet another advantage for the world traveler. The mile valuation for United MileagePlus is 1.3 cents*.
In a new limited time offer (offer ends 1/22/20), cardholders can earn up to 65,000 bonus miles when they spend $10,000 in eligible purchases within the first six months of account ownership. Also, in August 2019, United announced its miles would no longer expire, following the lead of Delta.
There is an annual fee of $95 (waived for the first year).
Why it's the best airline credit card for Alaska Airlines
In addition to a strong sign-up bonus, no foreign transaction fees, no blackout dates and unlimited miles, the Alaska Airlines Visa Signature's Famous Companion Fare is unparalleled. In addition to the annual offer, you can earn another Companion Fare from $121 ($99 plus taxes and fees from $22) after a $2,000 spend within the first 90 days. The mile valuation for Alaska Airlines Mileage Plan is 1.8 cents*.
The Alaska Airlines Visa Signature is perfect for the domestic traveler who favors the West Coast, although flights are made throughout the U.S.
The Alaska Airlines Visa Signature credit card has a $75 annual fee that isn't waived the first year and spending other than that made at Alaska Airlines only earns 1X mile. Also, this is not a good card for international travel, except for Canada, Mexico or Costa Rica.
Why it's the best airline credit card for American Airlines
The MileUp is a great airline card for people who are just getting into points and miles and live near an American Airlines hub. You don't need to be an incredibly frequent flyer to get full value out of this card because the AAdvantage MileUp has no annual fee. The mile valuation for the American Airlines AAdvantage is 1.4 cents*.
It comes with an easily attainable sign-up bonus of 10,000 American Airlines AAdvantage miles and a $50 statement credit after just $500 in spend in the first 3 months of opening your account. Plus, you get 2X miles at grocery stores and eligible American Airlines purchases, making it uncommon for two reasons – no annual fee and bonus categories outside of airline purchases.
Unfortunately, this card doesn't offer some of the great perks like preferred boarding or free checked bags that other cards such as the Citi/AAdvantage Platinum Select World Elite Mastercard† offer. It also charges a 3% foreign transaction fee, so make sure to limit your purchases inside the U.S. to avoid the extra cost.
Why it's the best airline credit card for Southwest Airlines
The Southwest Rapid Rewards Plus' greatest feature is that points earned can go toward the 110,000 points you need to qualify for the Companion Pass (or 100 qualifying one-way tickets), a program that allows you to have a companion fly for free (plus taxes and fees) the rest of the year and the following year. The point valuation for Southwest Rapid Rewards is 1.5 cents*.
You get 2X points for Southwest purchases with the Southwest Rapid Rewards Plus, as well as partner hotel and car rental purchases. This card has no blackout dates and no seat restrictions. Like the Rapid Rewards Premier and Priority cards, this card offers the same sign-up bonus of 40,000 bonus points if you spend $1,000 in the first 3 months. However, that's with a lower annual fee of $69.
The anniversary bonus of 3,000 points is lower than the Premier's, and there's no annual travel credit.
Why it's the best airline credit card for annual travel credit
The Priority distinguishes itself with a $75 Southwest travel credit each year, in addition to 7,500 annual anniversary bonus points, making it the largest anniversary bonus of the three Southwest Rapid Rewards consumer cards. It also can be used to build your points toward the Companion Pass. Like the Rapid Rewards plus card, the point valuation for Southwest Rapid Rewards is 1.5 cents*.
Ongoing rewards are generous – 2X points for Southwest purchases, as well as Rapid Rewards hotel and car rental partner purchases. You can also get 4 upgraded boardings each year when available and lost luggage reimbursement.
In exchange for its premium benefits, the Priority card charges a $149 annual fee, making it less palatable for the fee-averse consumer.
Summary of The Best Airline Miles Credit Cards of 2019
||Editor's Review Score
|Capital One® Venture Rewards® Credit Card
||Airline transfer partners
||50,000 miles for spending $3,000 in the first 3 months
||$95, waived first year
||4.2 / 5
|Chase Sapphire Preferred® Card
||60,000 points for spending $4,000 in the first 3 months
||3.9 / 5
|Blue Delta SkyMiles® Credit Card from American Express
||No annual fee
||10,000 miles for spending $500 in the first 3 months
||3.5 / 5
|Gold Delta SkyMiles® Credit Card from American Express
||Delta and free checked baggage
||30,000 miles for spending $1,000 in the first 3 months
||$95, waived first year
||3.6 / 5
|Virgin Atlantic World Elite Mastercard®
||60,000 Flying Club bonus miles after you spend $2,000 or more in purchases in your first 90 days of account opening
||3 / 5
|United Explorer Card
||United and Global Entry/TSA PreCheck application credit
||65,000 bonus miles for spending $10,000 in the first 6 months*
||$95, waived first year
||3.7 / 5
|Alaska Airlines Visa Signature® credit card
||Alaska Air and companion fare
||40,000 miles plus Alaska's Companion Fare for spending $2,000 in the first 90 days
||3.7 / 5
|American Airlines AAdvantage MileUpSM Card
||10,000 AAdvantage® miles and a $50 statement credit after spending $500 in first 3 months
||3.5 / 5
|Southwest Rapid Rewards® Plus Credit Card
||Southwest and overall value
||40,000 bonus points if you spend $1,000 in first 3 months
||3.7 / 5
|Southwest Rapid Rewards® Priority Credit Card
||Anniversary bonus points
||40,000 bonus points if you spend $1,000 in first 3 months
||3.8 / 5
* Limited time offer
Airline credit cards analyzed: 148
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
Multiple criteria influenced how we picked the best card for each airline. We recognize that the best things any airline card can do for you is to help you save on airfare with free flights and make the airport/flying experience more tolerable (and, with the right perks, even enjoyable). For a full list of criteria and more detail on our review scores, see our ratings process for airline cards.
What are airline credit cards and how do they work?
Airline credit cards are typically products that align 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, such as the Blue Delta SkyMiles with 2X miles at U.S. restaurants. 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 (pun intended) in earning all those amazing 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.
In addition to co-branded cards, there are credit cards that solely present the bank brand but still partner with airlines for redeeming points or miles, such as Venture Rewards and Sapphire Preferred.
"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."
To summarize, an airline credit card will be a great fit for you if:
- You spend a significant amount of money specifically on air travel every year. If you don't travel often, or if the destinations you frequent aren't offered through your airline and associated partners of choice, you might want to consider getting a generic travel credit card that allows you to transfer points to your travel program of choice.
- You have good or excellent credit. You will want to have a FICO credit score of at least 670 before applying for an airline rewards credit card, which typically requires great credit.
- You are able to pay off your balance each month. Interest charges are no joke, and can quickly cost you far more than your rewards are worth. Ideally, you should be debt-free and always avoid carrying a balance on any credit card you hold.
How to compare 2 different airline cards
With all those great choices, picking the right airline card can seem overwhelming. Well, we do the heavy lifting to help you make the right decision. Here are 6 factors you should consider when choosing between two airline credit cards. Here, we look at the Blue Delta SkyMiles and the United Explorer card.
Welcome offer bonus
Consider which credit card's welcome offer more lucrative and more attainable. If two cards have the same required spend, the one with the higher amount might be favorable, but check point valuations because one airline's points might be worth more than the other. For example, United MileagePlus trades at 1.3 cents*, while Delta SkyMiles trades at 1.2 cents*. If two cards have the same bonus amount, the one with the lower required spend might be favorable.
Some airline credit cards offer rewards outside of the realm of airline loyalty, making them competitive with general-purpose travel cards. For example, you can enjoy boosted rewards at restaurants and for hotel stays with the United Explorer card, while the Blue Delta SkyMiles earns 2X miles at U.S. restaurants.
The benefits for airline cards can be robust, with no foreign transaction fee; first free checked bag; priority boarding; and up to $100 credit for Global Entry or TSA PreCheck for cards like the United Explorer. Meanwhile, the Blue Delta SkyMiles offers auto rental insurance, an extended warranty program, purchase protection, as well as presale tickets.
Annual fees are not a burden if you think through how you're going to use the airline card. Some airline cards offer the first year waived. Others, such as the Blue Delta, have no annual fee at all. But compare the points or miles and the points valuations before making a decision.
How to earn airline miles
It may seem straightforward – spend on your card, get miles, redeem, rinse and repeat. But there's more to it than you'd think. You'll want to time your purchases, time which card you use, and more.
Time your purchases
This is a big one. You'll want to make sure, for example, that you spend the required amount before the sign-up bonus deadline hits. Typically, you have 3 months to spend a set amount in order to receive the sign-up bonus. Also, you may consider making a big purchase (that you can pay back in full) before a planned trip to top off your points. For example, you might plan to earn miles with fall renovations that can be used for your holiday trip to see New York City.
Time which card you use
Different cards offer different ongoing rewards, so it might be worth your while to have multiple cards, depending on your spending habits. So, you might use your Chase Sapphire Preferred on worldwide travel and restaurants, earning 2X points, while you can use your United Explorer card on hotels, earning 2X miles.
When do you get your miles?
Once you've earned your miles, you would think you would get them almost immediately, because you've met the requirements, but not necessarily so. For example, Chase says it will take 6-8 weeks before your sign-up bonus points are posted, but it can be less. That brings us back to making sure you time when you make your purchase, and ensuring that those miles will post before the big trip. Trying to earn miles to visit family in the next few months? Make sure you spend enough in time to get those rewards back in order to redeem them.
Choose what you redeem for carefully
Now that you're on your way to earning points or miles, you may think the easy part is ahead. But not so fast.
Miles' values vary not only between airlines but also between types of redemptions. For example, with the Delta SkyMiles, flights are valued at 1.35 cents, while upgrades are valued at an incredible 2.2 cents, while merchandise is only 0.4 cent. And programs such as AAdvantage allows you to redeem miles for everything from flights and upgrades to gift cards. But while the value of miles is strong for flight awards and upgrades (Business/First MileSAAver trades at a whopping 3.8 cents), that isn't always the case for other redemptions.
Choose how often you redeem
You may be required to have a minimum before you can redeem, so check for that.
To maximize your redemption, you need a plan. And part of that plan is to redeem your miles as soon as you can while still reaching your goal. That's because points can lose their value over time. For example, Qatar Airlines' Qmiles were worth 1.1 cents in December 2017, according to our points valuation, and are now worth 0.8 cents. Also, the miles can even expire if you don't pay attention to the rules.
Leverage your airline's partners
Another note about paying attention to the rules: Played right, you can maximize the use of your miles. For example, British Airways is notorious for charging an incredibly high number of Avios (points) for redeeming seats in first and business class. Instead, you can check partners such as American Airlines to see if you can find a better deal.
You can do your own check to see how many miles you need from the airline's website: Just look under the reservations page, and search for the section that mentions award flights. Most will offer a chart showing the regions to which they travel – usually broken down by continents – as well as a schedule showing how many miles it takes to get from one region to another.
Most popular airline rewards programs
While the SkyMiles program is forever moving the finish line with ever-changing point values and rules, there are no blackout dates and there are a number of redemption options.
The average point value is 1.2 cents, according to The Points Guy, and rewards don't expire. There are more than 20 airline partners, so you can go pretty much anywhere in the world. It's a good program for loyal Delta flyers and international travelers.
The United program award tickets are one-way, which actually opens up your options. You can have a different class each direction; or you can travel out with a Saver ticket when your plans are flexible, and with an Everyday ticket on the return with firmed up plans.
You can use miles to request upgrades to a premium cabin, which allows you to benefit from free alcoholic beverages, as well as priority check-in, security line access, boarding, and baggage handling.
Southwest Rapid Rewards
With this loyalty program of Southwest Airlines, flight options are primarily limited to domestic destinations, but the rewards are strong. This program is particularly great for families with loads of luggage, which is inevitable when you're lugging kids and skis to the slopes this winter. Booking is flexible and there aren't a ton of hidden fees.
While there are no blackout dates and one-way trips are permitted, it's not the largest of airlines, with only about 100 destinations, and only about 10 countries.
American Airlines AAdvantage
With about 350 destinations to more than 50 countries, American Airlines, with regional carrier American Eagle, is one of the largest airlines in the world, ideal for world travelers. The airline partners with OneWorld Alliance carriers as well as other partners.
While there's the MileSAAver awards, which means you can book award flights at a low number of miles, there are downsides, such as some quirky rules and the need for flexibility when booking.
British Airways Executive Club
Another OneWorld partner, British Airways can eat up your miles, called Avios, but the experience is superior.
There is a feature called Reward Flight Savers, advertised as the best value reward flights, which is available on return flights in Europe and southern Africa. Like other loyalty programs, you can use Avios to upgrade, for a hotel stay or getting a rental car.
Virgin Atlantic Flying Club
Flying to roughly a dozen countries, Virgin Atlantic is a 35-year-old British airline with a number of stops in the U.S. Flying Club, Virgin Atlantic's loyalty program, offers dozens of partners, including Delta. You can redeem on Delta for as little at 20,000 miles for East Coast flights during the off-season.
Other partners include KLM, Air France and other international airlines, as well as hotels such as Hilton and IHG. The points valuation for this program is a generous 1.5 cents, according to TPG. You can also convert points into miles through some of the top card issuer programs, such as Citi ThankYou and Chase Ultimate Rewards.
Can you transfer miles between airlines?
A lot of people consider airline miles to be comparable to cash. However, airline miles are a little bit more like currency from different countries: Many places will not allow you to pay with money from another country.
Similarly, you can't transfer points between frequent flyer programs in most cases, even if the airlines are partners. Partnerships such as OneWorld, Star Alliance, and SkyTeam typically allow you to earn miles when you fly on one airline, and redeem those miles you earn for flights on a carrier within the same network. However, most of those airlines won't allow you to transfer miles directly from one carrier to another, because there is no financial benefit to them for doing so.
But there are some exceptions to the rule. British Airways and Iberia share the Avios frequent flyer program. So while your points in each program remain separate and distinct, you can transfer them freely between the two so long as both accounts are at least 3 months old.
Just because you can't transfer points back and forth, however, doesn't mean that you are stuck with a single carrier for life. Most airlines within the major alliances will allow you to use your mileage stash with that brand to book award flights on partner airlines.
For example, an American Airlines frequent flyer can use AAdvantage miles to book a flight on British Airways, and the cost of that ticket will be based on the American Airlines mileage award chart. So even though that traveler will physically fly on a British Airways flight, the passenger is subject to all of American's ticketing rules; responsible for paying any change or redeposit fees to American; and must contact American – not British Airways – with any problems or issues that may arise before departure.
If you're interested in learning more about airline credit cards, check out our reviews section where we go into detail about our top picks and several others. Additionally, consider our top picks from the following categories to use on your air travel:
* All points and miles valuations have been provided by The Points Guy
† All information about The Citi/AAdvantage Platinum Select World Elite Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer. The The Citi/AAdvantage Platinum Select World Elite Mastercard is no longer available through CreditCards.com.
Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura's work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at firstname.lastname@example.org and on Twitter @creditcards_lm.
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