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If you want to use travel rewards to save money on flights, an airline credit card is a must. You can choose between credit cards that earn airline miles, or cards that earn more flexible rewards points that you can transfer to various frequent flyer programs.
You can find the best airline credit card for you by zeroing in on the benefits you want. Here are our top picks.
Compare Airline Credit Cards
Best card if you're not loyal to one airline
Chase Sapphire Preferred® Card
4.4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Details
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
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Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
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Regular Annual Percentage Rate (APR)
21.49% - 28.49% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4.4/5
4.4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Pros & Cons
Pros
High intro bonus offer starts you off with lots of points
Strong travel coverage
Cons
Doesn't offer a Global Entry/TSA PreCheck application fee credit
Highlights
More Information
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 benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0 intro for the first year, then $99
Intro offer
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on groceries at U.S supermarkets. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1x Miles on all other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0 intro for the first year, then $99
Intro offer
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on groceries at U.S supermarkets. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1x Miles on all other purchases.
If you want to earn Delta SkyMiles and can use day-of-travel benefits on the airline, you should consider the Delta SkyMiles® Gold American Express Card. It has a modest annual fee so it's worth it even if you only fly the airline occasionally.
Details
Rewards
Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on groceries at U.S supermarkets. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1x Miles on all other purchases.
Annual Fee
$0 intro for the first year, then $99
Intro offer
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.99% - 29.99% Variable
Editor's Rating
4.1/5
4.1 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Pros & Cons
Pros
Earns bonus miles at restaurants and US supermarkets
Intro annual fee is $0 for the first year (then $99)
You get a free checked bag and Main Cabin 1 Priority Boarding on Delta flights
Cons
Doesn't go above and beyond in terms of benefits beyond Delta perks
Highlights
More Information
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
Enjoy a $0 introductory Annual Fee for the first year, then $99.
Enjoy your first checked bag free on Delta flights.
Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
Earn 1X Mile on all other eligible purchases.
$100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0 intro for the first year, then $95
Intro offer
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
Rewards
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0 intro for the first year, then $95
Intro offer
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
Rewards
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.
The United Explorer card is the best all-around credit card for United flyers, offering a generous range of benefits for a modest annual fee. Cardholders receive a free checked bag, priority boarding, and inflight discounts on United flights, plus two one-time United Club airport lounge passes each year.
Details
Rewards
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.
Annual Fee
$0 intro for the first year, then $95
Intro offer
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
21.74% - 28.74% Variable
Editor's Rating
4.15/5
4.15 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Pros & Cons
Pros
Annual fee is waived the first year
Earns bonus miles on several purchase categories, including dining
Includes an application fee credit for Global Entry or TSA PreCheck
Gets you a free checked bag on United when you pay with the card
Cons
Not the most rewarding card for most non-United travel purchases
Highlights
More Information
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $95.
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
50,000 bonus points after spending $1,000 on purchases in the first three months from account opening
Rewards
Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
50,000 bonus points after spending $1,000 on purchases in the first three months from account opening
Rewards
Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
If you can make use of the Southwest Rapid Rewards® Priority Credit Card's many benefits and perks, it's well worth the annual fee. Otherwise, have a look at other Southwest cards like the Southwest Rapid Rewards® Plus Credit Card and Southwest Rapid Rewards® Premier Credit Card, which have lower annual fees but the same elevated welcome bonus offer.
Details
Rewards
Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
Annual Fee
$149
Intro offer
50,000 bonus points after spending $1,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
21.49% - 28.49% Variable
Editor's Rating
3.75/5
3.75 out of
5 Stars
Pros & Cons
Pros
Generous annual benefits, including a Southwest travel credit and 7,500 points, plus upgraded boardings and in-flight discounts
If you fly Southwest several times a year, the benefits easily outweigh the annual fee
Annual fee is low compared to other premium airline credit cards
Cons
Highest annual fee among Southwest consumer cards
Highlights
More Information
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
7,500 anniversary points each year.
Earn 3X points on Southwest® purchases.
Earn 2X points on local transit and commuting, including rideshare.
Earn 2X points on internet, cable, and phone services; select streaming.
The Delta SkyMiles® Reserve American Express Card is one of the best airline credit cards for frequent Delta flyers who can use benefits like airport lounge access, which can make the $550 annual fee worthwhile.
Details
Rewards
Earn 3x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases.
Annual Fee
$550
Intro offer
60,000 bonus miles after you spend $5,000 in purchases on your new card in the first six months from account opening
60,000 bonus miles after you spend $5,000 in purchases on your new card in the first six months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.99% - 29.99% Variable
Editor's Rating
4.1/5
4.1 out of
5 Stars
Pros & Cons
Pros
Annual companion certificate benefit, which is valid for domestic first class and Comfort+ as well as the main cabin
Access to Delta Sky Clubs and American Express Centurion Lounges when you're flying Delta
Earns 3x miles on Delta purchases
Cons
Very high annual fee
Doesn't offer bonus miles on non-Delta purchases
Highlights
More Information
Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
Complimentary access to the Delta Sky Club® for you when traveling on a Delta flight.
Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
Earn up to 60,000 Medallion® Qualification Miles (MQMs) With Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs up to four times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.
Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Enjoy your first checked bag free on Delta flights.
Best for luxury travel benefits and bonus rewards on flights
The Platinum Card® from American Express
4.4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
See Rates and Fees
$695
Intro offer
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
Rewards
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
Best for luxury travel benefits and bonus rewards on flights
The Platinum Card® from American Express
4.4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
See Rates and Fees
$695
Intro offer
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
Rewards
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
Best for luxury travel benefits and bonus rewards on flights
Insider’s Take
If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.
Details
Rewards
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
Annual Fee
$695
See Rates and Fees
Show more
Intro offer
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4.4/5
4.4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Pros & Cons
Pros
Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Annual statement credits with Saks and Uber
Cons
Bonus categories leave something to be desired
One of the highest annual fees among premium travel cards
Highlights
More Information
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
If you're loyal to a particular airline, it could be worth it to get one of its co-branded cards. For instance, United offers the United℠ Explorer Card, which gets you benefits like a free checked bag and priority boarding on United.
If you aren't loyal to a particular airline and you simply book with whichever carrier is offering the cheapest airfare, an airline co-branded card may not be the best option. You could consider a travel rewards card like the Chase Sapphire Preferred® Card or The Platinum Card® from American Express instead. This way, you'll earn points that can be used to book airfare through Chase and Amex, respectively, as well as through specific airline transfer partners affiliated with the two programs.
How do airline credit cards work?
Airline credit cards work by earning miles in a particular frequent flyer program and require you to add your frequent flyer number to your card account. You're usually asked to do this during the credit card application process. Then, you'll earn miles on all your eligible credit card spending, and those earnings will be reflected in your frequent flyer account. You'll be able to access the miles you earned from your credit card directly through your frequent flyer account and use them to book award flights.
What's the difference between airline credit cards and travel rewards credit cards?
Airline credit cards earn you miles in a specific frequent flyer program, such as Southwest Rapid Rewards or United MileagePlus. Travel rewards cards, on the other hand, earn transferable points — rewards that you can transfer to a variety of airline and/or hotel partners. With travel rewards cards, you aren't locked into using your points with only one airline, but you also won't get airline-specific benefits like a free checked bag or priority boarding.
Do airline miles expire?
Airline miles usually expire, but there are some notable exceptions. Delta, JetBlue, Southwest, and United miles never expire, but with other programs like American Airlines AAdvantage, miles do expire if you don't have any qualifying activity within a certain period (24 months, in the AAdvantage program). Keep in mind that earning miles from using a co-branded airline credit card counts as a qualifying activity and can prevent your miles from expiring.
Should I get an airline credit card?
You should consider getting an airline credit card if you're loyal to a particular airline and fly often enough to get value from perks like free checked bags, priority boarding, and airport lounge access. Even folks who travel the same airline a couple of times a year can save money and get benefits from having an airline credit card.
This card offers a very strong lineup of perks and rewards in exchange for a relatively moderate annual fee. You'll earn 5x points on travel purchased through Chase Ultimate Rewards and 2x points on all other travel purchases. The card also offers 3x points on dining.
Travel includes everything from airfare to parking to hotels, while dining includes restaurants, delivery services, and even some bars. The card also offers one of the best welcome bonuses among consumer credit cards, and you get some valuable travel insurance as well, including trip delay insurance,primary car rental insurance, and purchase protection.
If you apply for the Chase Sapphire Preferred and find that you're a fan of earning and redeeming travel points, remember that you can always upgrade to its higher-end sibling, the Chase Sapphire Reserve, after your first year.
The Reserve has a $550 annual fee, but it also offers up to $300 in annual travel credits that apply to virtually any travel purchase and earns 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (after earning the $300 travel credit). You'll earn 3x points on other travel and dining purchases with the Reserve.
The Chase Sapphire Reserve is currently offering a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® gets you a free checked bag on American Airlines domestic itineraries, along with preferred boarding and discounts on inflight purchases. It's currently offering an a welcome bonus of 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first three months of account opening. That's worth around $700 in flights, based on our valuation of American Airlines miles.
It also earns 2x miles on eligible American Airlines purchases and on restaurant and gas station spending (and 1 mile per dollar on everything else). We also like that the annual fee is $99, waived for first 12 months. If you spend $20,000 on the card in an account year and then renew your card, you'll get a $125 American Airlines flight discount.
Qualifying for elite status with American Airlines AAdvantage is now based on earning Loyalty Points. Along with earning Loyalty Points from flying and partner spending, you can earn 1 Loyalty Point per dollar spent on co-branded American Airlines cards, including the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.
The Delta SkyMiles® Gold American Express Card offers the best balance between a moderate $0 intro for the first year, then $99 annual fee and elite-like perks that can save you cash and improve your travel experience.
This Delta credit card is offering a welcome bonus of 40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening. Insider pegs Delta miles value at 1.1 cents apiece, on average, making this bonus worth about $440 in flights.
The card earns 2x miles on eligible Delta purchases, 2x miles at US supermarkets and at restaurants worldwide, and 1 mile per dollar on all other eligible purchases. This makes the card a valuable option for everyday spending, not just for earning bonus miles on your Delta purchases.
The United℠ Explorer Card offers the perks you'd expect from an airline credit card — a free checked bag (you need to pay for the United flight with your Explorer card to get this perk), priority boarding, discounts on inflight purchases, and bonus miles for purchases with the airline — but also some very valuable extras.
If you have this card (or any other United credit card), you get expanded access to United's lowest-priced "saver" awards, which could help you save miles on an upcoming flight booking. The United℠ Explorer Card also offers two one-time United Club passes each anniversary year, and an application fee credit of up to $100 for Global Entry, TSA PreCheck, or NEXUS.
For a limited time, new cardholders can earn an elevated welcome bonus offer of 60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open. United miles are worth 1.3 cents each, on average, so you can expect to get around $780 in flights with this bonus.
The Southwest Rapid Rewards® Priority Credit Card is another example where a higher annual fee is warranted due to the value you get. Thanks to annual benefits like $75 in statement credits for travel on Southwest and four upgraded boardings where available, the Southwest Rapid Rewards® Priority Credit Card could be well worth it if you're a regular Southwest flyer.
The statement credit for $75 toward Southwest purchases each year effectively lowers the annual fee to $74 — lower than the annual fee for the next-cheapest Southwest consumer card, the Southwest Rapid Rewards® Premier Credit Card ($99).
The Priority card offers a bonus of 7,500 Southwest Rapid Rewards points each year after your account anniversary (you can use these points to book award flights). That's worth about $105 in airfare, based on our valuation of Southwest points. Additionally, you'll get 25% off inflight purchases. If you fly Southwest more than once or twice a year, this card can easily be worth the annual fee.
Southwest is a Chase Ultimate Rewards transfer partner, so you can move points from cards like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card to Southwest instantly at a 1:1 ratio if you need to boost your balance.
The Delta SkyMiles® Reserve American Express Card is the most rewardsing premium credit card from any of the three major legacy US airlines — American Airlines, Delta, and United — and if you're a Delta loyalist, it could end up saving you a lot of money.
Although most other premium airline cards come with airport lounge membership, the Delta SkyMiles® Reserve American Express Card is unique in that when you fly Delta, it not only offers Delta Sky Club access, but also entry to Centurion Lounges when you've used your Amex card to pay for your ticket.
There's a welcome bonus of 60,000 bonus miles after you spend $5,000 in purchases on your new card in the first six months from account opening (worth around $660 in flights based on Insider's valuations). You'll receive a free first checked bag and priority boarding on Delta flights, an annual Delta companion certificate, and a Global Entry or TSA PreCheck application fee credit after you apply through any authorized enrollment provider. Cardholders can also take advantage of 15,000 Medallion® Qualification Miles (MQMs) after they spend $30,000 in purchases on the card in a calendar year (up to four times) and access to complimentary upgrades and upgrade priority.
This card charges a $550 annual fee, but it can be more than worthwhile if you fly Delta often and travel through airports with eligible airport lounges.
The Platinum Card® from American Express likely won't make sense if you only travel once or twice a year, as it has a $695 annual fee. However, if you're on the road frequently, the card's many premium benefits — from airport lounge access to up to $200 in airline fee credits each year** — make it a useful pick.
The Platinum Card® from American Express earns a spot on our list of the top airline rewards cards because it earns 5 points per dollar on flights booked directly with the airline or through American Express Travel (starting January 1, 2021, the 5x points will apply up to $500,000 on these purchases per calendar year). That's one of the highest earning rates available on flight purchases. The Amex Membership Rewards points you earn let you book flights directly through Amex Travel, or you can transfer them to more than a dozen airline partners to book flight awards.
Even if you're not traveling right now, the Amex Platinum Card is still worth considering, as it's offering a lucrative welcome bonus offer and comes with Uber (including Uber Eats) Cash credits**, Saks credits**, digital subscription credits**, Equinox credits**, Walmart+ membership credits**, and SoulCycle At-Home Bike credit you can still use if you're staying close to home.
Popular Airline Credit Cards That Just Missed the Cut
To keep things simple, we limited our list of the best airline credit cards to one definitive pick per airline, plus a few top options that aren't affiliated with a particular airline. However, if you're open to doing some deeper comparison shopping, these cards are also worth a look.
United Quest℠ Card— This card is a great pick if you fly United often because it comes with a first and second free checked bag and up to $125 annually in credits for United purchases.
Capital One Venture Rewards Credit Card — While the Venture card is another solid option for earning miles that you can redeem with a variety of airline partners, the Capital One Venture X Rewards Credit Card outshines the card in terms of overall value.
AAdvantage® Aviator® Red World Elite Mastercard®
— The AAdvantage Aviator stands out for offering a generous welcome bonus offer that only requires making one purchase in the first three months. It falls short of the Citi AAdvantage Platinum Select World Elite Mastercard when it comes to bonus categories for earning miles, though.
Citi® / AAdvantage® Executive World Elite Mastercard®— With a $595 annual fee, it doesn't necessarily make sense for all American Airlines flyers, but if you want access to American's Admirals Club airport lounges, this card fits the bill, offering Admirals Club membership along with the usual perks like a free checked bag and priority boarding.
Delta SkyMiles® Blue American Express Card — If you want to earn Delta miles on your spending without paying an annual fee, give this card a look. It earns 2x miles at worldwide restaurants and offers 20% off inflight Delta purchases.
United Gateway℠ Card— This no-annual-fee card isn't loaded with perks, but it's a winner for one little-known benefit — expanded access to United Saver awards. This can be a lifesaver if you're having trouble finding award availability.
British Airways Visa Signature® Card — Earning miles (called Avios in the British Airways program) from a European airline might seem odd if you don't plan to fly to Europe, but Avios are incredibly valuable for booking partner awards on airlines like American Airlines, Alaska Airlines, Cathay Pacific, and Japan Airlines.
Aeroplan® Credit Card— This relatively new card could be a good option if you're looking to earn miles to fly on Air Canada or one of its many Star Alliance airline partners such as United, Lufthansa, and Singapore Airlines.
Capital One Venture X Rewards Credit Card— If you want a premium rewards card that isn't tied to a specific airline with a lower annual fee than the Amex Platinum, this card is worth considering. You get up to $300 in annual credits towards flights, hotels, and rental cars booked through Capital One Travel, among other high-end perks.
What Credit Card Offers the Best Airline Miles?
There isn't one "best" airline credit card or one type of airline mile that's categorically better than the others, because it depends on which airline is most convenient for you.
For example, if your home airport is small, you could have limited options when it comes to which airline you fly, so you'll likely want to earn whatever miles you need to fly from your hometown.
If you live near a large airport where your airline choices are plentiful and you have more options for loyalty, you may want to investigate how much different airline miles are worth. We recommend checking out Insider's updated guide to points and miles valuations, which attach a value (in cents) to the major airline currencies based on the types of award flights you can book through each.
You'll see that Delta miles are generally worth less than Alaska miles, but keep in mind all points and miles are only valuable if you can use them — so if you don't travel to destinations served by Alaska or its airline partners, earning its miles probably isn't your best bet.
Why You Should Trust Us: How We Chose the Best Airline Credit Cards
Personal Finance Insider chose the top airline cards based on the value each card offers in relation to its annual fee. To make sure we were considering the best airline credit cards from every perspective, we also researched the recommendations and methodology of top airline card lists from other websites.
In many cases, each publication had a different pick for the best credit card for a given airline — and in that situation, we arrived at our selection by returning to the question of which card offers the most value in return for its annual fee, excluding benefits that require spending extra money to unlock.
Note that we focused on credit card options for flying with major US airlines — including the "big three" of American, Delta, and United, as well as smaller popular carriers like Alaska, JetBlue, and Southwest. If you frequently fly with another airline like Frontier or Hawaiian, you may want to look into its co-branded credit card options.
With an airline credit card, not only will you earn miles on every purchase you make, but you can also earn a welcome bonus offer that will jump-start your frequent flyer account balance. Depending on the card you choose, you can also get benefits like a free checked bag, priority boarding, or an airline companion ticket.
There isn't simply one best airline credit card; the right option for you depends on what airline you fly, whether you're a loyalist or want flexibility, how you want to use your miles, how much of an annual fee you're comfortable paying, and several other factors.
You'll also want to consider airline partnerships — for example, it could make sense to get an American Airlines credit card if you want to redeem miles for award flights on Oneworld partners like Japan Airlines and Cathay Pacific. Alternately, a card like the Aeroplan® Credit Card can make sense even if you don't fly Air Canada, because you can redeem Aeroplan points for flights on Star Alliance airlines including United and Lufthansa.
Using points and miles to book flights is one of the most valuable ways to redeem your rewards, but it requires some familiarity with the ins and outs of each loyalty program. Luckily, we have you covered with in-depth guides — click through to learn more.
If you're not loyal to a specific airline but want to use credit card points to book award flights, check out our guides to the major credit card points programs, which let you redeem rewards by transferring to select airline partners or by booking directly through the credit card issuer's travel portal.
Our list of the best airline credit cards focusses on major American carriers that generally offer the most routes and partner options. But if you're looking to use rewards on smaller airlines that generally serve a more limited region, we have you covered as well.
Jasmin Baron was an editor at Insider, responsible for credit card coverage on Personal Finance Insider. Before joining the Insider team, she was a senior editor at The Points Guy and Million Mile Secrets, covering credit cards, points and miles, and loyalty programs.Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »
Angela Fung is the marketing compliance manager at Personal Finance Insider, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. She is the primary contact for credit cards compliance and has experience managing content and partnerships for the banking, loans, and investment verticals as well. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
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For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.
For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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