Finding the right airline credit card can make traveling more enjoyable and cost-effective. Whether you're a frequent flyer or someone who takes an annual vacation, these cards offer benefits like free flights, priority boarding, and travel insurance. However, with so many options on the market, it's easy to feel overwhelmed.
Each card comes with unique features, fees, and reward structures, which means not every option will suit your needs. In this guide, we will break down what you should consider when picking an airline credit card and highlight some of the best options available in 2024 to make the choice easier.
Factors to Consider When Choosing the Best Airline Credit Card
Rewards and Points System
An important thing to consider is how a card earns and redeems points. Co-branded cards give more miles when you spend on flights using specific airlines. Still, a travel rewards credit card typically allows redeeming points across multiple airlines, which gives an idea of whether loyalty to an airline is worth it or if flexibility suits you better.
Fees and Costs
Many airline credit cards have annual fees, which can be as low as $95 or as high as over $500 for premium options. Some cards charge foreign transaction fees, which add to the cost of traveling internationally. Calculate whether rewards and perks justify these costs based on your travel frequency and spending habits.
Perks and Benefits
Beyond points, consider the additional perks that make travel easier. Free checked bags, lounge access, travel insurance, and priority boarding are common benefits. For frequent flyers, these extras can outweigh the card’s annual fee.
Sign-Up Bonuses
Multiple cards offer impressive sign-up bonuses, like 50,000 points or more, if you succeed in spending a specific amount within the first few months. While these bonuses are enticing, ensure you can meet the spending requirement without overspending.
Redemption Flexibility
Some cards limit you to redeeming points with a single airline, while others let you transfer points to multiple travel partners. If you value choice, look for cards with broad redemption options or flexible point-transfer programs.
Best Airline Credit Cards to Consider in 2024
Chase Sapphire Preferred® Card
This card remains a favorite among travelers because it is not tied to a particular airline. You earn points on travel and dining and transfer those points to multiple airline and hotel partners. Additionally, the card offers a generous sign-up bonus and doesn't charge foreign transaction fees.
Delta SkyMiles® Gold American Express Card
This co-branded card is ideal for those who frequently fly with Delta. It offers free checked bags, priority boarding, and a strong rewards structure for Delta purchases. The annual fee is waived for the first year, making it an affordable option to start with.
Capital One Venture Rewards Credit Card
Known for its simple rewards system, this card lets you earn 2 miles per dollar on every purchase, regardless of category. Miles can be used to erase travel purchases or transferred to airline partners, offering versatility. The card also provides travel insurance and reimbursement for Global Entry or TSA PreCheck fees.
American Airlines AAdvantage® Platinum Select® Card
For American Airlines loyalists, this card offers perks like free checked bags, preferred boarding, and mileage bonuses for spending on gas and dining. It also provides access to reduced-mileage awards, making it easier to book discounted flights.
United℠ Explorer Card
United Flyers will appreciate this card's free first-checked bag, priority boarding, and two complimentary United Club passes each year. It also includes travel protections like trip delay reimbursement and doesn't charge foreign transaction fees.
JetBlue Plus Card
For travelers who frequently fly with JetBlue, the JetBlue Plus Card offers a compelling suite of benefits. Cardholders earn 6 points for every dollar spent on JetBlue purchases, 2 points per dollar at grocery stores and restaurants, and 1 point for every dollar spent elsewhere.
Maximizing Your Airline Credit Card Benefits
Focus on Bonus Categories: Make the most of your card's bonus rewards by using them for purchases in categories that earn the highest points. For example, if your card offers extra miles for dining or travel, prioritize using it in these areas.
Redeem Smartly: Avoid using points for low-value redemptions like merchandise or gift cards. Instead, aim to redeem miles for flights or upgrades, where their value is typically highest.
Take Advantage of Perks: Use benefits like free checked bags and priority boarding to save money and enhance your travel experience. Lounge access can also add comfort to long layovers.
Meet Sign-Up Bonus Requirements: Plan your spending carefully to ensure you hit the spending threshold for sign-up bonuses without overspending. For big purchases, time them to coincide with when you get the card.
Are Airline Credit Cards Worth It?
Airline credit cards are a great tool for travelers, but they aren’t for everyone. Frequent flyers who value perks like free bags, lounge access, and priority boarding will benefit the most. Even occasional travelers can find value if they use the card strategically to earn rewards and redeem them for flights. However, if you rarely fly or carry a balance month-to-month, the fees and interest charges might outweigh the benefits. Assess your travel habits and financial goals carefully to determine if an airline credit card is right for you.
Conclusion
Choosing the best airline credit card comes down to understanding your travel needs and preferences. Whether you prioritize earning flexible points, enjoying luxury perks, or saving on baggage fees, there’s a card tailored to your lifestyle. Evaluate the rewards system, fees, and benefits of each card before making a decision, and remember to use your card wisely to maximize its value. With the right airline credit card, you can turn everyday spending into unforgettable travel experiences.
