Airline Credit Cards Easy to Get 611 Score
Compare the best airline credit cards of 2022
| Card | Welcome Offer | Credit Needed | Annual Fee | ||
|---|---|---|---|---|---|
| Flexible rewards | Chase Sapphire Preferred® Card | 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®. | 720 - 850 | $95 | Apply Now On Chase's Secure Website |
| Flat 2 miles per dollar | Capital One Venture Rewards Credit Card | 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 | 660 - 850 | $95 | Apply Now On Capital One's Secure Website |
| Small Business | Delta SkyMiles® Reserve Business American Express Card | Earn 110,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/3/2022. | 660 - 850 | $550 | Not available on ValuePenguin |
Compare all cards
Chase Sapphire Preferred® Card
Capital One Venture Rewards Credit Card
Welcome Offer
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 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
Credit Score Needed
720 - 850
660 - 850
Annual Fee
$95
$95
Best airline credit card overall and for United Airlines
United Airlines
United Quest℠ Card
Sign Up Bonus
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
APR
17.99% - 24.99% Variable
Our thoughts on this card
The United Quest℠ Card is not only our choice for the best United Airlines card, but it's also our pick for the best airline credit card overall. That's because of its excellent rates on valuable spending categories, generous sign-up bonus and stellar perks for United fliers. Cardholders will automatically receive up to $125 in statement credits as reimbursement for United purchases charged to your card each account anniversary year. You'll also get two 5,000-mile anniversary award flight credits, up to $100 Global Entry or TSA PreCheck® fee credit, 25% back on United inflight purchases, priority boarding and more. Note that these perks come with a $250 annual fee.
The best miles credit card should offer flexible redemption options, and United Airlines miles are fairly useful. You can redeem them for flights with United and other Star Alliance members. The Star Alliance network offers more than 1,000 destinations across dozens of airline partners:
- Aegean Airlines
- Air Canada
- Air China
- Air India
- Air New Zealand
- ANA
- Asiana
- Austrian
- Avianca
- Brussels Airlines
- Copa Airlines
- Croatia Airlines
- EgyptAir
- Ethiopian Airlines
- EVA Airways
- LOT Polish Airlines
- Lufthansa
- SAS
- Shenzhen Airlines
- Singapore Airlines
- South African Airways
- SWISS
- TAP Portugal
- THAI
- Turkish Airlines
- United Airlines
Best airline credit card for Delta Airlines
Delta Airlines
Delta SkyMiles® Gold American Express Card
Welcome Offer
Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.
Annual Fee
$0 introductory annual fee for the first year, then $99.
APR
17.99%-26.99% Variable
Earns transferable points
Our thoughts on this card
The Delta SkyMiles® Gold American Express Card is the best credit card for airline miles through the Delta SkyMiles program, as it offers multiple spending categories — including restaurants, U.S. supermarkets and Delta purchases — for a modest annual fee. Cardholders Earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.
In addition to a solid rewards program, you'll get to board sooner, since the card gets you Main Cabin 1 Priority Boarding. This can help ensure you have overhead space for your carry-ons, even on crowded flights. If you'd like to check your bag instead, the Delta SkyMiles® Gold American Express Card card also allows you to check your first bag for free on Delta flights.
For rates and fees of Delta SkyMiles® Gold American Express Card, please click here
This card previously gave discounted entrance into Delta Sky Clubs. However, once the portfolio of Delta credit cards was refreshed, that benefit has now been removed. If you're an avid traveler looking to relax in Delta Sky Clubs between flights, only the Delta SkyMiles® Reserve American Express Card (which comes with a hefty $550 annual fee) includes Delta Sky Club and American Express Centurion Lounge access.
For rates and fees of Delta SkyMiles® Reserve American Express Card, please click here.
Delta SkyMiles offer a solid value when redeemed for flights, making it one of the best miles credit cards. We estimate each mile to be worth 1.3 cents, but of course, the actual value you receive will depend on your specific itinerary. You'll get the best value for SkyMiles when booking domestic travel and business class on international flights. We've put together a comprehensive overview on how to get the best value out of Delta SkyMiles.
Delta is part of the SkyTeam airline alliance, which consists of more than a dozen airlines to which you can transfer miles. The sheer number of airlines in this alliance makes Delta SkyMiles a highly dynamic airline rewards currency:
- Aeroflot
- Aerolineas Argentinas
- AeroMexico
- Air Europa
- Air France
- China Airlines
- China Eastern
- Czech Airlines
- Garuda Indonesia
- ITA Airways
- Kenya Airways
- KLM
- Korean Air
- Middle East Airlines
- Saudia Airlines
- Tarom
- Vietnam Airlines
- Xiamen Airlines
Note, unlike typical credit cards, the Delta SkyMiles® Gold American Express Card allows you to carry a balance for certain charges, but not all.
Best airline credit card for Southwest Airlines
Southwest Airlines
Southwest Rapid Rewards® Premier Credit Card
Sign Up Bonus
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.
APR
17.49% - 24.49% Variable
Our thoughts on this card
Of the three Southwest Rapid Rewards Credit Cards offered, we found that the Southwest Rapid Rewards® Premier Credit Card is the best credit card for airline miles among them, based on sign-up bonus, annual fee and anniversary points.
Having a Southwest credit card helps you earn the Southwest Companion Pass, a prized benefit in the airline credit card world. With the pass, you can choose a travel partner to get free tickets (less taxes and fees) on all of your itineraries for a full calendar year, plus the remainder of the year in which you earn the pass. You'll have to earn 125,000 Rapid Rewards miles in one year, and the Southwest Rapid Rewards® Premier Credit Card's sign-up bonus can get you one step closer to that pass.
Beyond the boost toward earning the Southwest Companion Pass®, the best air miles credit card should offer some extra annual perks, and the Southwest Rapid Rewards® Premier Credit Card does. For example, you'll earn 6,000 bonus points after your cardmember anniversary. While those points may not get you a free roundtrip flight, they can certainly help you close the gap. The points you earn with the Southwest Rapid Rewards® Premier Credit Card can be utilized for flights, hotel stays and gift cards, among other things.
Southwest mostly offers domestic flights, so if you're dreaming of international travel, then it may make more sense to pick a different card. An airline miles credit card is only as good as the travel options provided by the airline and any partners associated with it — that said, it should be noted that Southwest is an excellent airline carrier offering very competitive mile redemption rates for domestic flights.
In March 2019, Southwest Airlines launched service to Hawaii. This destination has been a long time coming for Southwest Airlines and gives its customers access to one of the most enviable vacation destinations. And if you earn the Southwest Companion Pass®, flying to Hawaii on Southwest Airlines may be one of the most affordable ways to travel there with a friend or family member.
Unfortunately, Southwest Rapid Rewards can't be transferred to other airlines, but Southwest offers the option to redeem your rewards directly for international flights via the More Rewards functionality on Southwest's site.
The More Rewards section is a shopping portal for Southwest Rapid Rewards members to use their points on a variety of purchases. You can buy gift cards, electronics, jewelry and a myriad of other items — and among those items are travel-related purchases like flights.
When you search for a flight, you will see a list of airlines flying where Southwest does not, along with the flight price in Southwest Rapid Rewards points. Unfortunately, in many cases, the redemption value is very low. To ensure you are getting the best value for Southwest points, stick to using Rapid Rewards points on Southwest flights.
You'll have to be sure to shop around to confirm you're getting a decent redemption value for your Rapid Rewards.
Best airline credit card for American Airlines
American Airlines
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Sign Up Bonus
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Annual Fee
$99, waived for first 12 months
APR
17.49% - 26.49% (Variable)
Our thoughts on this card
Of the five American Airlines co-branded credit cards, we believe the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is the best credit card for airline miles with American Airlines, offering a strong rewards earning structure. You Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases.
On top of a strong rewards structure, the card offers one of the best sign-up bonuses available. If utilized correctly, the miles you earn in the first year could be enough for an international round-trip flight.
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® charges an annual fee of $99, waived for first 12 months. If you plan to spend more than $20,000 on the card every year, you'll earn a $125 American Airlines flight discount for reaching that spend amount, which would offset the card's annual fee.
From a value perspective, we believe that the value of American Airlines miles is on the low side, as we estimate that each AAdvantage mile is worth around 1 cent. Of course, the actual value you'll get from each mile will be highly dependent on several factors, but you can use this figure as a benchmark.
We've also found it's a bit harder to maximize the value of American Airlines miles when compared to other airline currencies. While cardholders may find incredible redemption values, they'll need to maintain a measure of flexibility. If you're OK with this, then the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a good choice for an airline miles credit card.
You can redeem AAdvantage miles with any oneworld airline alliance member. We've also compiled a thorough guide on the best ways to redeem American Airlines AAdvantage miles. Currently, there are 14 airlines that make up the oneworld alliance:
- Alaska Airlines
- American Airlines
- British Airways
- Cathay Pacific
- Finnair
- Iberia
- Japan Airlines
- Malaysia Airlines
- Qantas
- Qatar Airways
- Royal Air Maroc
- Royal Jordanian
- S7 Airlines
- Sri Lankan Airlines
- Fiji Airways
The information related to Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.
Best airline credit card for Alaska Airlines
Alaska Airlines
Alaska Airlines Visa Signature® credit card
Sign Up Bonus
Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $22) and receive 40,000 bonus miles with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
APR
18.24% - 26.24% Variable APR
Our thoughts on this card
For frequent Alaska Airlines fliers, the Alaska Airlines Visa Signature® credit card can be a great option. Cardholders will get an annual companion fare, a free checked bag for you and up to six guests on the same reservation, None foreign transaction fees and 20% back on all Alaska Airlines in-flight purchases when you pay with your card. You'll also Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and unlimited 1 mile for every $1 spent on all other purchases. And, your miles don't expire on active accounts.
Note that the Alaska Airlines Visa Signature credit card charges a $75 annual fee. If you'd rather choose a no-annual-fee credit card, there are plenty of other great options out there. The rewards rate with this card is lackluster, but the perks that come with it help to make up for it.
Earn and redeem Alaska Mileage Plan miles when flying with any Oneworld® Alliance airline below.
- Alaska Airlines
- American Airlines
- British Airways
- Cathay Pacific
- Finnair
- Iberia
- Japan Airlines
- Malaysia Airlines
- Qantas
- Qatar Airways
- Royal Air Maroc
- Royal Jordanian
- S7 Airlines
- Sri Lankan Airlines
- Fiji Airways
Best airline credit card for JetBlue Airlines
JetBlue
JetBlue Plus Card
Sign Up Bonus
Earn 60,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days
APR
16.24%, 20.24% or 25.24% Variable
Our thoughts on this card
The JetBlue Plus Card is a top choice for regular JetBlue fliers. With $99 annual fee, cardholders can Earn 60,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days. You'll also Earn 6x points on eligible JetBlue purchases, 2x points at restaurants and eligible grocery stores and 1x points on all other purchases.
The points you earn with this card never expire and there are 0% foreign transaction fees. Cardmembers can also take advantage of the 0% introductory APR for first 12 billing cycles following each balance transfer that posts to account within 45 days of account opening (after which an APR of 16.24%, 20.24% or 25.24% Variable applies).
Unfortunately, this card doesn't offer too many additional perks, like lounge access.
Redeem TrueBlue points when booking with Hawaiian Airlines, a JetBlue Partner Airline.
Other JetBlue partners include:
- Aer Lingus
- Cape Air
- Emirates
- Hawaiian Airlines
- Iceland Air
- JSX
- Porter
- Qatar
- Seaborne
- Silver Airways
- South African Airways
Best airline credit card for small business
Small business
Delta SkyMiles® Reserve Business American Express Card
Welcome Offer
Earn 110,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/3/2022.
APR
17.99% - 26.99% Variable
Our thoughts on this card
For small business owners who often travel for work, the Delta SkyMiles® Reserve Business American Express Card offers numerous valuable benefits. Cardholders can Earn 110,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/3/2022.
You'll also Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta. This card comes with benefits like access to both Delta Sky Club lounges and Centurion Lounges, complimentary upgrades, Main Cabin 1 priority boarding and more.
The Delta SkyMiles® Reserve Business American Express Card comes with a substantial $550 annual fee. However, if you're a small business owner that can afford it, the card's perks work to make up for it. Also note that there are significant restrictions on the lounge access offered by this card:
- You must be traveling on a same-day Delta-marketed or Delta-operated flight for lounge access.
- Complimentary access is only granted to the primary cardmember or additional cardholders (each additional cardholder costs $175 per year).
- Either the cardmember or additional cardholders may bring in up to two guests or immediate family members into Delta Sky Club locations at a rate of $39 per person.
- Centurion guest access is limited to two guests per visit at a rate of $50 per person.
- Terms apply
Use Delta SkyMiles when flying with a SkyTeam airline alliance partner below.
- Aeroflot
- Aerolineas Argentinas
- AeroMexico
- Air Europa
- Air France
- China Airlines
- China Eastern
- Czech Airlines
- Garuda Indonesia
- ITA Airways
- Kenya Airways
- KLM
- Korean Air
- Middle East Airlines
- Saudia Airlines
- Tarom
- Vietnam Airlines
- Xiamen Airlines
Other strong airline credit cards
Chase Sapphire Preferred® Card
Sign Up Bonus
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®.
APR
17.49% - 24.49% Variable
Earns transferable points
Our thoughts on this card
The Chase Sapphire Preferred® Card is one of the best credit cards for flexible airline miles due to its illustrious rewards program. Cardholders earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases. Unlike some of the cards listed above, the travel category is not restricted to a specific airline, meaning booking flights with United, Delta, American or Southwest will earn you 2 points per dollar spent.
The Chase Sapphire Preferred® Card has a $95 annual fee that's not waived in the first year.
When you use the Chase Sapphire Preferred® Card, you'll earn Chase Ultimate Rewards points for your purchases. With Chase Ultimate Rewards, cardholders can book airline tickets and hotel stays directly through Chase's website or transfer points at a 1:1 ratio to 14 loyalty program travel partners. We outline all current transfer partners below:
- Air Canada Aeroplan
- Aer Lingus AerClub
- British Airways Executive Club
- Emirates
- Flying Blue Air France KLM
- Iberia Plus
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards
- United MileagePlus
- Virgin Atlantic Flying Club
- IHG Rewards Club
- Marriott Bonvoy
- World of Hyatt
Capital One Venture Rewards Credit Card
Sign Up Bonus
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
APR
17.49% - 25.49% (Variable)
Our thoughts on this card
The Capital One Venture Rewards Credit Card also offers an excellent rewards structure. When you use the Capital One Venture Rewards Credit Card, you will earn 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023. This makes it the best credit card for airline miles if you like flat-rate rewards, which are helpful if you don't enjoy tracking purchase categories or juggling multiple travel rewards credit cards.
It's worth noting that the card's list of transfer partners isn't as robust as what's offered by the Chase Sapphire Preferred® Card. However, Capital One has been adding to its list of transfer partners and recently added several partners with 1:1 transfer ratios, making it a stronger option for collecting and transferring miles. If you enjoy analyzing airline awards charts and maximizing the value of your points or miles, the Chase Sapphire Preferred® Card may be a good way to go.
The miles you earn with this card are transferable to a list of travel rewards programs listed below:
- Accor Live Limitless (2:1)
- Aeromexico Club Premier (1:1)
- Air Canada Aeroplan (1:1)
- Air France/KLM Flying Blue (1:1)
- Avianca Lifemiles (1:1)
- British Airways Avios (1:1)
- Cathay Pacific Asia Miles (1:1)
- Choice Privileges (1:1)
- Emirates Skywards (1:1)
- Etihad Airways Guest (1:1)
- Eva Air Infinity MileageLands (2:1.5)
- Finnair Plus (1:1)
- Qantas Frequent Flyer (1:1)
- Singapore Airlines KrisFlyer (1:1)
- TAP Air Portugal Miles&Go (1:1)
- Turkish Airlines Miles&Smiles (1:1)
- Virgin Red (1:1)
- Wyndham Rewards (1:1)
Discover it® Miles
Sign Up Bonus
Only Discover gives you an unlimited match of all the Miles you've earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Our thoughts on this card
The Discover it® Miles is our top pick for affordable airline credit cards. If you are a low spender looking for spending rewards and some travel benefits, this is the best credit card for airline miles since it earns the same high rewards rate on every purchase.
The Discover it® Miles also has a great welcome bonus. Discover will match ALL the miles you've earned at the end of your first year, automatically. For example, if you earn 35,000 miles, you earn an additional 35,000 miles to match it. With each mile worth 1 cent, that's $700 towards travel. The more you earn, the more you will receive with the match. That boosts this card's rewards rate to an excellent 3% for the first 12 months. During the promotional period, the Discover it Miles card beats out some of the best air miles credit cards on our list.
The Discover it® Miles lacks some of the features of other cards on this list. For example, the miles earned on the Discover it® Miles can't be transferred to airline loyalty programs, but you can use miles as a statement credit toward travel purchases. As such, this is an ideal card for the casual, budget-conscious traveler.
How much is an airline mile worth?
The value of an airline mile will depend on the loyalty program and how you choose to redeem your miles. Typically, you'll get the most value from your airline miles when you redeem them for flights.
Here's how we value miles from some of the top airline loyalty programs:
| Loyalty program | Value of miles |
|---|---|
| American Airlines | 1.0 cents |
| Alaska Airlines | 1.5 cents |
| Delta Airlines | 1.3 cents |
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How to choose an airline credit card
Consider the following factors when choosing the best airline credit card for you.
First, consider whether you fly a single airline frequently enough to benefit from an airline card. If you're a frequent traveler, but prefer to fly on whichever airline is offering the best flight times or cheapest fares, you might be better off with a general travel rewards card, like the Chase Sapphire Preferred card, whose points will allow you to be a bit more flexible with your travel plans.
If you do prefer a certain airline and find yourself flying with them consistently, a co-branded airline card can certainly be beneficial. It's best to establish an end goal and work backward from it. Your end goal can be summarized by answering these questions:
- Where do you fly from?
- Where do you want to fly to?
- Is your airport an airline hub?
- Do you often check luggage?
- Do you want lounge access?
Based on these questions, you can find an airline that works best for you.
For example:
If you are based in Salt Lake City, Utah (SLC) and fly to the east coast regularly, a Delta SkyMiles credit card might work well, as Salt Lake City is a hub for Delta.
If your dream is to fly international on Emirates, it could be best to get a card with the ability to transfer points directly to Emirates, such as the American Express® Gold Card.
Miles value: 1.0 cents
Hubs:
- Atlanta (ATL)
- Boston (BOS)
- Charlotte (CLT)
- Chicago (ORD)
- Dallas (DFW)
- Los Angeles (LAX)
- London (LHR)
- Miami (MIA)
- New York (JFK)
- New York (LGA)
- Philadelphia (PHL)
- Phoenix (PHX)
- San Francisco (SFO)
- San Antonio (SAT)
- Raleigh/Durham (RDU)
- Washington, D.C. (DCA)
Miles value: 1.3 cents
Hubs:
- Amsterdam (AMS)
- Atlanta (ATL)
- Boston (BOS)
- Detroit (DTW)
- Los Angeles (LAX)
- London (LHR)
- Mexico City (MEX)
- Minneapolis (MSP)
- New York (JFK)
- New York (LGA)
- Paris (CDG)
- Salt Lake City (SLC)
- Seattle (SEA)
- Seoul (ICN)
- Tokyo (NRT)
Miles value: 1.5 cents
Hubs:
- Atlanta (ATL)
- Baltimore (BWI)
- Chicago (MDW)
- Dallas (DAL)
- Denver (DEN)
- Houston (HOU)
- Las Vegas (LAS)
- Los Angeles (LAX)
- Oakland (OAK)
- Orlando (MCO)
- Phoenix (PHX)
Miles value: 1.2 cents
Hubs:
- Chicago (ORD)
- Denver (DEN)
- Frankfurt (FRA)
- Guam (GUM)
- Hong Kong (HKG)
- Houston (IAH)
- London (LHR)
- Los Angeles (LAX)
- Newark (EWR)
- San Francisco (SFO)
- Tokyo (NRT)
- Washington, D.C. (IAD)
In addition, consider the features of the card such as sign-up bonuses and annual fees. And don't overlook the value of benefits like baggage fee waivers and airport lounge access, which can easily justify a card's annual fee. With all of these factors considered, you may be able to find one or more credit card options that work for your travel needs.
Tip: Cards that charge a high annual fee often include the best benefits, while no annual fee cards tend to come with fewer perks.
Airline credit card tips:
Link your airline credit card with your frequent flier account
Take advantage of the perks
If your card doesn't charge foreign transaction fees , be sure to use it when you travel
Types of airline credit cards
There are two types of airline credit cards:
- Co-branded cards
- Affiliated with a specific airline
- Example: Delta SkyMiles® Reserve American Express Card. The card offers Delta SkyMiles, which can be used on Delta or any of Delta's SkyTeam partners.
- Bank cards
- Earn rewards that are not exclusive to one specific airline
- Travel usually booked directly with the travel portal unique to the bank
- Some cards allow you to transfer points to a list of travel partners
- Example: The Platinum Card® from American Express
The best credit card for airline miles depends on your flight habits—do you stay loyal to one airline, or would a card with flexible miles be preferable? If a bank credit card interests you, two of the best credit card rewards programs are American Express and Chase, because their points can be transferred to a wide variety of partners. Capital One also has cards like the Capital One Venture Rewards Credit Card that earn points that can be transferred to specific travel partners.
How to maximize an airline credit card
Since purchase categories, like dining and travel, are rewarded differently depending on the card, make sure you pick one that matches your expenses.
You can also maximize your miles earnings by rotating cards with different earning categories. For instance, you could use the Delta SkyMiles® Gold American Express Card for all your Delta, U.S. supermarket and restaurant purchases, and use the Discover it® Miles to earn 1.5 miles per $1 on the rest of your purchases.
Also, list out the benefits you have with a particular airline card. Premium credit cards with large annual fees offer a long list of benefits — such as status boosters, checked bag fee waivers, lounge access and statements credits for enrolling in TSA PreCheck/Global Entry — that can easily go unused. Paying a high annual fee without utilizing the benefits can be a waste, so if you don't travel often, look for airline credit cards with no annual fee or a low annual fee.
Best no annual fee airline cards
Survey: Average airfare costs are down 19.7% from pre-pandemic pricing, although likely on the rise
Since Q4 2019 (pre-pandemic), a recent ValuePenguin survey found that Q3 2020 had the lowest average airfare costs — down 32%, based on data from the U.S. Bureau of Transportation Statistics.
Specifically, Newark Liberty International and Pensacola International airports saw the biggest percentage drops from Q4 2019 to Q2 2021. Meanwhile, Kahului and Long Beach airports have surpassed their Q4 costs.
Full rankings
| Change from Q4 2019 to Q2 2021 | ||||||
|---|---|---|---|---|---|---|
| Rank | Airport | City | State | Average fare, Q4 2019 | Average fare, Q2 2021 | % change |
| 1 | Newark Liberty International | Newark | NJ | $431.41 | $301.78 | -30.0% |
| 2 | Pensacola International | Pensacola | FL | $442.93 | $310.24 | -30.0% |
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Travel expert Sophia Mendel predicts 2021 data, when released, will reveal prices trending upward — and that this will continue on into 2022 as travelers are "more comfortable flying" after vaccinations and boosters.
In good news, a recent Valuepenguin study found that liabilities across the U.S.' five most valuable airline programs were up 11.6% in 2021 vs 2020, indicating consumers likely have miles to burn. Mendel encourages travelers to leverage travel rewards credit cards and to track flight prices on tools like Google Flights, Expedia and Scott's Cheap Flights to save money when booking. Read on for her full list of tips.
FAQs about credit cards for airline miles
What is an airline credit card?
An airline credit card rewards cardholders with points or miles for purchases made with the card, which can then be redeemed for free flights or for airline or other travel-related purchases, such as seat upgrades or rental cars.
Airlines cards can also come with benefits specific to traveling, such as:
- Priority boarding
- Fee-free baggage checking
- Airport lounge access
- Companion passes
Welcome bonus: *Note — It's not all that uncommon for airline miles credit cards to have a sign-up bonus of tens of thousands of points, which could be enough to get you a round-trip ticket to a desired destination.
What credit card gives the best flight points?
Our research shows that the Chase Sapphire Preferred® Card card has the best rewards program for earning flight points and miles. Out of all the credit card rewards programs, Chase Ultimate Rewards provides the best transfer options. You can move your miles at a 1:1 ratio to any of the 10+ airline partners including Southwest, United and Singapore Airlines. In addition, your points are worth even more when you book travel through the Chase travel portal. If you hold the Chase Sapphire Preferred® Card, your points are worth 1.25 cents per point.
Which airline has the best frequent flyer program?
Are airline credit cards worth it?
Airline credit cards are worth it for people who travel at least two to three times per year. Most of the top-tier airline miles cards charge an annual fee. However, if you're able to pay for one ticket with points, that's potentially hundreds of dollars saved. Additionally, if you want to earn miles faster for free flights, you should sign up for an airline credit card. You'll earn rewards on everyday purchases, such as dining or restaurant purchases, as well as an elevated earnings rate on airline-affiliated purchases. It's also worth noting that you do not need an airline credit card to earn miles through a frequent flyer program, as they're free to sign up for.
Which airline credit card is the easiest to get approved for?
Unfortunately, most airline credit cards require good or excellent credit. If you have a low credit score (below 650), we recommend applying for a credit building credit card. If you have a FICO score above 720 and a solid credit history, you shouldn't have trouble getting approved for the cards we recommended above.
What is the 5/24 rule for credit cards?
Chase may automatically decline your credit card application if you've opened five or more personal credit cards (across all banks) in the last 24 months, which is generally referred to as the "5/24 Rule". The rule is not official and has not been announced by Chase; instead, everything we know about it comes from multiple user reports. Keep in mind that this is just one factor in a credit decision — you may be declined for a credit card if you don't meet the minimum credit score, credit history or income requirements.
What is the difference between airline and travel credit cards?
Airline credit cards are affiliated with one airline, offering loyalty benefits through its respective frequent flyer program. If you're loyal to one airline, it's advantageous to open an airline credit card. General travel credit cards allow you to earn points on all travel purchases and allow you to book any travel. If you tend to book on multiple airlines, it's a better idea to open a general travel credit card.
Which is the best credit card for airline points?
The best airline card for you depends on your location and travel preferences. For example, if you live near an airport dominated by a single airline (like Charlotte, N.C., with American Airlines), then you'll be best served by a co-branded credit card. On the other hand, those with more choice among airlines may prefer a general travel card, like the Chase Sapphire Preferred® Card.
How do I earn miles with an airline credit card?
Owning an airline credit card helps you earn airline miles faster than those without an airline card. You'll not only earn bonus miles on airline purchases, but your credit card may offer the chance to earn miles on other bonus categories.
Do I have to be a frequent flyer to have an airline credit card?
Airlines will offer a range of credit cards for all types of flyers. If you only fly a few times per year, you can opt for a starter no-annual-fee airline card. On the other hand, if you're loyal to one airline, you can find better benefits with airline credit cards with annual fees.
What is the easiest airline credit card to get?
Almost all airline credit cards require that you have good to excellent credit. However, some of the no-fee co-branded airline credit cards have less stringent application requirements. There are many online forums you can use to check the credit profiles of people who have been approved for a specific card.
Owning an airline credit card not only makes traveling more convenient, but it can save you big bucks, too. From priority boarding to free checked bags, airline credit cards can seriously pay off, even when flying economy. — Sophia Mendel, ValuePenguin's travel expert
Recap of the best airline credit cards of August 2022
- Best for United Airlines: United Quest℠ Card
- Best for Delta Airlines: Delta SkyMiles® Gold American Express Card
- Best for Southwest Airlines: Southwest Rapid Rewards® Premier Credit Card
- Best for American Airlines: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Best for Alaska Airlines: Alaska Airlines Visa Signature® credit card
- Best for JetBlue Airlines: JetBlue Plus Card
- Best for Small Business: Delta SkyMiles® Reserve Business American Express Card
- Best for a flexible rewards program: Chase Sapphire Preferred® Card
- Best for a flat 2 miles per dollar: Capital One Venture Rewards Credit Card
- Best for alternative in the first year: Discover it® Miles
Methodology
To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes.
The best card for airline miles depends on your flight habits — do you stay loyal to one airline, or would a card with flexible miles be preferable? If a bank credit card interests you, two of the best credit card rewards programs are American Express and Chase, because their points can be transferred to a wide variety of partners. Capital One also has cards like the Capital One Venture Rewards Credit Card that earn points that can be transferred to specific travel partners.
Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.
For rates and fees of Delta SkyMiles® Gold American Express Card, please click here
For rates and fees of Delta SkyMiles® Reserve American Express Card, please click here.
For rates and fees of Delta SkyMiles® Blue American Express Card, please click here.
The information related to JetBlue Plus Card, Delta SkyMiles® Reserve Business American Express Card, Alaska Airlines Visa Signature® credit card and Discover it® Miles has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.
Source: https://www.valuepenguin.com/travel/best-airlines-miles-credit-cards
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