If you’re a frequent airline traveler, then having at least one solid airline credit card in your wallet isn’t a nice luxury, it’s a necessity. Airline credit cards were birthed from “frequent flyer” programs, arguably the original rewards program. They allow you to quickly build up miles or points with the airline you’re most loyal to, and quickly earn upgrades and free flights. As a cardholder, you also get to enjoy numerous perks and discounts that come with membership. But what’s the easiest airline credit card to get approved for?
It starts with your credit history. It doesn’t have to be pristine but it shouldn’t be on life-support, either. If you have a “good” or better credit rating (usually a score of 670 or higher), you have a good chance for approval. The higher your score, the better your chances. If your rating is “fair” or below (under 670), you’re going to want to hold off applying until you can raise your score.
But ease of acquisition goes well beyond your credit score. You also need to consider the ease of the application process, as well as an easy-to-navigate website and the ability to easily connect and interact with customer service. If you have questions while applying, you want to be able to get them answered quickly.
Fortunately, our editors have done the leg work for you and have compiled the following list of the easiest airline credit cards to acquire.
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See additional picks for the best airline credit cards.
Frequently asked questions
What’s the easiest credit card to get approved for?
The easiest types of credit cards to get approved for are generally secured credit cards and student credit cards. Secured credit cards require a security deposit, which acts as collateral and lowers the risk for the credit card issuer, thereby making them more accessible to individuals who are new to credit or have less-than-perfect credit. The credit limit on a secured card typically matches the amount of the security deposit. Student credit cards, on the other hand, are specifically designed for college students who may have a limited or nonexistent credit history, and they often feature more lenient approval standards compared to standard unsecured credit cards. Additionally, store credit cards can also be easier to obtain, particularly for those with fair credit, although their usage is usually restricted to purchases made at the specific retail store that issued the card.
What is the easiest airline credit card to get?
Approval for any credit card, airline-specific ones included, hinges largely on your creditworthiness. Typically, individuals with good to excellent credit scores stand the best chance of being approved for the majority of airline-affiliated cards. It’s worth noting that there aren’t usually airline credit cards specifically tailored for those with fair or poor credit histories.
What credit score do you need for an airline credit card?
Generally, you’ll need a good to excellent credit score to be approved for most airline credit cards. This typically means a FICO score of 670 or higher.
While some entry-level or co-branded airline cards might have slightly lower requirements, the best rewards and perks are usually reserved for those with good credit. Keep in mind that credit score is not the only factor; issuers might also consider your income, credit history, and overall creditworthiness.
How to earn airline miles with bad credit
Earning airline miles with bad credit is tough with most airline credit cards. Consider secured credit cards with rewards or general travel cards with easier approval. You can also earn miles through airline loyalty programs by dining, shopping, or taking surveys, though it’s slower. Focus on improving your credit to access better airline card options later.
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