Q: I use the Southwest Rapid Rewards Visa for personal and business flights. For everything else, I use Visa US Bank Flexperks card. I pay off my bill every month, have good credit and I fly a lot. Is there a reason I should switch from US Bank Flexperks to a difference rewards card such as American Express?
You’re doing it right. If you have the luxury of scheduling nearly all of your trips on the same carrier, their branded airline credit card will almost always give you the best combination of perks and free travel. However, it’s always good to keep an eye out for a better deal.
As a frequent Southwest flyer, you're taking advantage of recent changes to the Rapid Rewards program that make it easier to earn free travel just about anywhere. Thanks to Chase's Ultimate Rewards program and to Southwest's new airline alliances, you can redeem your points on more than 50 airlines. Or, you can trade them in toward car rentals, hotel nights, or restaurant gift cards.
Your U.S. Bank FlexPerks Travel Rewards Card already offers a host of complementary benefits. Don't underestimate your access to Visa Signature's concierge team, a staff of personal assistants who can help you keep your life organized when you're on the road. If you weren't flying Southwest so much, I'd probably tell you to use FlexPerks as your primary card, earning up to 2 FlexPoints on travel. However, Southwest's fares are so relatively low, you're better off using Chase's card to earn Rapid Rewards points.
The Blue Sky Preferred® Card from American Express would be the only other card I'd consider adding to your wallet, only because it offers double rewards on eligible dining purchases at U.S. restaurants, as well as for hotel rooms purchased directly from hotels and car rentals purchased directly from select card rental companies. You'll pay a $75 annual fee, but you can get an airline allowance up to $100 per year back as statement credits for qualifying baggage fees, airline meals and in flight purchases. Terms and restrictions apply. Even if you decide not to add an American Express card to your collection, you're already balancing your rewards against your travel profile very well. Enjoy all those free trips!
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