Best credit cards for airline rewards
CardRatings editors break down the top airline reward cards in multiple categories.
See best cardsFrequently Asked Questions
What are airline credit cards?
Airline credit cards are credit cards that are co-branded with a specific airline. These cards are designed to reward cardholders with various travel-related benefits and perks, especially those associated with the partnering airline. Here are some key features and benefits commonly associated with airline credit cards:
- Airline miles or point. One of the primary features of airline credit cards is the ability to earn bonus miles or points for every dollar spent on the card with that airline. These miles or points can be redeemed for free or discounted flights, upgrades, and other travel-related expenses.
- Sign-up bonuses. Many airline credit cards offer attractive sign-up bonuses to entice new cardholders. These bonuses often include a significant number of bonus miles or points after the cardholder spends a certain amount within a specified time period. These bonuses are typically enough for a free roundtrip flight, depending on the dates and destination.
- Free or discounted flights. Accumulated miles or points can be redeemed for free or discounted flights on the partnering airline or its alliance partners. Some cards also allow flexibility in using points for other travel expenses, such as hotel stays or car rentals. Additionally, some airline credit cards offer companion passes, allowing companion travel for just the cost of taxes and fees.
- Travel insurance. Some airline credit cards provide travel insurance coverage, including trip cancellation insurance, baggage protection, and rental car insurance, offering added peace of mind for cardholders when they travel.
- Airport lounge access. Premium airline credit cards may offer complimentary access to airport lounges, providing cardholders with a more comfortable and relaxing travel experience.
- Priority boarding and check-in. Cardholders may receive priority boarding and check-in privileges, allowing them to access flights more quickly and efficiently.
- Free checked bags. Many airline credit cards allow cardholders and members of their party to check their bags for free when traveling with the associated airline.
Does it make sense to have multiple airline credit cards?
Having multiple airline credit cards can make sense for some individuals, but it depends on their travel habits, financial goals, and preferences.
For individuals with diverse travel habits, having multiple cards from different airlines or alliances can offer a range of benefits and rewards. This approach allows for the diversification of rewards, enabling cardholders to access different perks such as unique airport lounges or partner airline benefits. Additionally, it provides an opportunity to maximize sign-up bonuses, as each card may offer distinct introductory rewards.
The flexibility in travel options is another advantage, particularly when airlines within the same alliance share rewards programs, providing more choices for destinations and carriers. However, it's crucial to carefully consider the costs associated with annual fees for each card and evaluate whether the combined benefits justify these expenses.
Are airline credit cards worth it?
Whether airline credit cards are worth it depends on individual preferences, travel habits, and financial goals. That said, if you regularly travel by air, and especially if you regularly use the same airline, airline credit card can certainly be worth it.
It's essential to assess your own spending habits, travel frequency, and preferences to determine if an airline credit card aligns with your lifestyle. For individuals who maximize the benefits and effectively manage the associated costs, an airline credit card can be a valuable tool. However, for those who infrequently travel or don't fully utilize the card's features, alternative credit card options may be more suitable.