Airline Credit Cards

Branded airline credit cards offer a reward for flying and flight redemption. Typically, these cards will have many types of travel insurance associated with them, ranging from travel accident insurance to hotel burglary insurance.

 

Airline-branded cards are tied to one primary airline that might connect them to other airlines through partnership agreements, and they offer rewards for staying loyal to one company by providing faster mile accumulation and preferential treatment while flying (e.g., preferred boarding, free bag check-in, or access to the lounge).

6 Key Considerations
  1. Blackout Dates. Some airline companies put restrictions on when and how you can redeem your accumulated points/miles. Check to make sure that the program is not too restricted.
  2. Insurance Limitations. Most travel credit cards will come with many types of insurance. If you are planning to rely on these as your primary travel insurance, it is worthwhile to check limitations and conditions. Some cards make it very cumbersome to receive the payment, or the liability limit is too low to be used as real insurance.
  3. Airline Alliance. Most airlines are part of an alliance that allows you to redeem your rewards with other members of the alliance. If you want the perks of an airline-branded credit card but with more choice, look for a card with the most partnership options.
  4. Sign-up Bonus. Many cards will offer thousands of miles as a sign-up bonus. If you are planning to sign up for the card for the bonus miles only, make sure you understand if there is any spending requirement to receive the bonus.
  5. Miles Expiry. If you are not planning to use an airline credit card very often, check the miles expiry policy. Some airlines will void your miles after 12 months of inactivity.
  6. Earn Double the Miles. When booking flights, some airlines allow you to earn multiple miles by using both your airline loyalty card and your airline credit card. This is a good way to use the same transaction to earn double the miles.
Sort 23 Credit Cards by
MAIN REWARD
CREDIT CARD NAME
ANNUAL FEE
PURCHASE APR
KEY BENEFITS

Wells Fargo Propel American Express® Card

Points

Main reward: Points

Wells Fargo Propel Card
Rewards
0% APR
Balance Transfer
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 15.74% - 27.74%

Key Benefits:
  • Travel (4)
  • Sign Up Benefits (4)
  • Services (1)
  • Security (3)
  • Insurance (7)
  • Fees Benefits (4)
Credit Score: Excellent

U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card

Rewards Points

Main reward: Rewards Points

Rewards
ANNUAL FEE:

$0

Purchase APR: 15.99% - 25.99%

Key Benefits:
  • Travel (5)
  • Sign Up Benefits (2)
  • Services (2)
  • Security (3)
  • Insurance (5)
  • Fees Benefits (3)
Credit Score: Good

Southwest Rapid Rewards® Premier Credit Card

Rewards Points

Main reward: Rewards Points

Southwest Rapid Rewards Premier Credit Card
Rewards
ANNUAL FEE:

$99

Purchase APR: 17.99% - 24.99%

Key Benefits:
  • Travel (5)
  • Sign Up Benefits (1)
  • Services (1)
  • Security (3)
  • Insurance (5)
  • Fees Benefits (2)
Credit Score: Excellent

Southwest Rapid Rewards® Plus Credit Card

Rewards Points

Main reward: Rewards Points

Rewards
ANNUAL FEE:

$69

Purchase APR: 17.99% - 24.99%

Key Benefits:
  • Travel (4)
  • Sign Up Benefits (1)
  • Services (1)
  • Security (3)
  • Insurance (5)
  • Fees Benefits (2)
Credit Score: Good

British Airways Visa Signature® Credit Card

Rewards Points

Main reward: Rewards Points

Rewards
ANNUAL FEE:

$95

Purchase APR: 17.99% - 24.99%

Key Benefits:
  • Travel (3)
  • Sign Up Benefits (1)
  • Services (1)
  • Security (3)
  • Insurance (4)
  • Fees Benefits (2)
Credit Score: Excellent

The Platinum Card® from American Express®

Rewards Points

Main reward: Rewards Points

The Platinum Card® from American Express®
Rewards
ANNUAL FEE:

$550

Purchase APR: %

Key Benefits:
  • Travel (6)
  • Sign Up Benefits (2)
  • Services (4)
  • Insurance (7)
  • Discounts (2)
Credit Score: Excellent

Morgan Stanley Credit Card from American Express®

Rewards Points

Main reward: Rewards Points

Morgan Stanley Credit Card from American Express®
Rewards
No Annual Fee
ANNUAL FEE:

$0

Purchase APR: 17.24%

Key Benefits:
  • Travel (1)
  • Sign Up Benefits (1)
  • Services (2)
  • Insurance (5)
  • Fees Benefits (1)
  • Discounts (2)
Credit Score: Good

American Express® Gold Card

Rewards Points

Main reward: Rewards Points

American Express® Gold Card
Rewards
ANNUAL FEE:

$250

Purchase APR: 20.24%

Key Benefits:
  • Travel (3)
  • Sign Up Benefits (3)
  • Services (4)
  • Insurance (7)
  • Discounts (2)
Credit Score: Excellent

Hilton Honors American Express® Aspire Card

Rewards Points

Main reward: Rewards Points

Hilton Honors American Express® Aspire Card
Rewards
ANNUAL FEE:

$450

Purchase APR: 17.74% - 26.74%

Key Benefits:
  • Travel (5)
  • Sign Up Benefits (2)
  • Services (3)
  • Security (1)
  • Insurance (6)
  • Fees Benefits (1)
  • Discounts (2)
Credit Score: Excellent

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Rewards Miles

Main reward: Rewards Miles

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Rewards
ANNUAL FEE:

$0

Purchase APR: 17.74% - 25.74%

Key Benefits:
  • Travel (7)
  • Sign Up Benefits (3)
  • Security (4)
  • Insurance (2)
  • Fees Benefits (1)
  • Discounts (2)
Credit Score: Good