People with excellent credit(690 - 719) can discover a wide range of APRs, benefits and fees, there are more credit card options available and it's important to comparison shop.
- Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
- No categories to track, no caps on cash back, no annual fee*
- Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
- Plus, earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.
- Enjoy 1 Free Night Stay at a Category 1-5 hotel every year after your account anniversary date!
- Earn unlimited Marriott Rewards points and get Free Night Stays faster
- Earn 5 points per $1 spent at participating Marriott Rewards & SPG hotels
- 2 points per $1 spent on airline tickets purchased directly with the airlines, at car rental agencies & restaurants. Plus 1 point per $1 spent everywhere else
- The fastest way to earn Marriott Rewards Elite Status. Receive 15 Elite Credits guaranteeing Silver Elite Status or better.
- All for an $85 Annual Fee
- Earn 1.5% cash back on every purchase
- There's no limit on the amount you can earn
- Redeem your rewards anytime online or with the USAA Mobile App.
- Enjoy no foreign transaction fees when you travel outside of the United States
- $150 in TravelBank cash after you spend $1,000 on purchases in the first 3 months your account is open
- Earn 2% in TravelBank cash per $1 spent on airline tickets purchased from United
- Earn 1.5% in TravelBank cash per $1 spent on all other purchases
- No foreign transaction fees
- Enjoy 25% back as a statement credit on purchases of food and beverages onboard United-operated flights, when you pay with your United TravelBank Card.
- TravelBank cash is easy to use. $1 in TravelBank cash = $1 when used toward the purchase of a United ticket.
- Your TravelBank cash accumulates in your United TravelBank account on United.com. There's no limit to how much TravelBank cash you can earn.
- $0 Annual fee
- New! Free Social Security Number alerts, we%u2019ll monitor thousands of risky websites when you sign up.*
- You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you%u2019ve earned at the end of your first year, automatically.
- Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. based customer service.
- Get your FICO® Credit Score for free on monthly statements, on mobile and online.
- No annual fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- New! Free Social Security Number alerts, we%u2019ll monitor thousands of risky websites when you sign up.*
- Get a dollar-for-dollar match of all the cash back you%u2019ve earned at the end of your first year, automatically.
- 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. based customer service.
- Get your FICO® Credit Score for free on monthly statements, on mobile and online.
- No annual fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 16.99% - 24.99% based on your creditworthiness
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Earn 25,000 American Airlines AAdvantage® bonus miles after making $750 in purchases within the first 3 months of account opening
- Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights
- Earn 1 AAdvantage® mile for every $1 spent on purchases
- Reduced Mileage Awards: Fly for 5,000 fewer AAdvantage® miles roundtrip to select destinations
- For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- No Foreign Transaction Fees on purchases
- Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights
- Double AAdvantage® miles on eligible American Airlines purchases
- Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year
- Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
- Admirals Club® membership for you and guests with you
- Complimentary Admirals Club® lounge access for authorized users
- Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
- No Foreign Transaction Fees on purchases
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation
- Designed for businesses
- For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
- Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations
- Earn 1 AAdvantage® mile per $1 spent on other purchases
- First checked bag free for the primary cardmember and up to 4 companions on eligible bags when traveling on domestic itineraries operated by American Airlines
- Earn 2X miles for every one dollar you spend on eligible American Airlines purchases
- Group 1 boarding for the primary cardmember on domestic itineraries operated by American Airlines
- Earn 1X miles on all other purchases
- 10% of your redeemed miles back (10,000 maximum per calendar year)
- No foreign transaction fees
- 25% inflight savings on food, beverages, and headsets on American Airlines-operated flights
- $95 annual fee
If you travel regularly on the same airline and do so often enough so that the benefits from the card justify the annual fee, an airline credit card can be a good choice for you. The more you take a particular airline, the more you will be able to redeem miles for free flights or seat upgrades and use those rewards for the flights you want.
Sign-up bonus
Many airline credit cards offer a one-time bonus. For example, you can earn 50,000 miles once you spend over $3,000 within 3 months from account opening by using Capital One Venture Rewards credit card. This is a good choice if you have a lot of flight plans for a while.
Miles rewards
With an airline credit card, you can earn miles with every purchase, which can be redeemed for any future flight purchases on that card. Some airline credit cards will also give you points when you stay at hotels or dining at restaurants worldwide.
Additional perks
Free checked bags
Checked baggage is an important consideration because most major airline credit cards include a checked bag fee waiver, which can be valuable and quickly compensate for the annual fee. Remember to link your airline credit card with your frequent-flyer account if you have, because that’s how some airlines determine if you are eligible for free checked baggage.
Priority boarding
Priority boarding can save you a lot of time.
Reaching elite status faster
No blackout dates or travel restrictions
This means you can book your flight through the credit card rewards as long as there’s a seat on the flight.
No foreign transaction fees
Many airline credit cards don’t have foreign transaction fees, so it’s a good idea to use them while traveling abroad.
Credit score
Airline credit cards require your credit score in great shape first. Most of the top travel credit cards are offered to those with “excellent” or “very good” credit. Don’t be discouraged if you find that you don’t qualify for a travel credit card yet. There are also many good rewards or cash back credit cards which are worth applying for and can help you to build credit.
Credit card application
You can apply for an airline credit card through the airline and the issuer depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.
Read your credit card terms and conditions.
You need to have an understanding of the terms of your credit card in order to use it better and avoid paying extra fees.
Maximize your miles and rewards
Airline credit cards offer many ways to help you to save money on traveling. Keep an eye out for earning double or triple miles rewards opportunities.
Plan on Paying Taxes When You Redeem Airline Miles
Airline miles can make your flight cheap, but they won’t be free. Because when you pay with miles, you also need to pay government-mandated taxes and fees. Therefore, we recommend you pay attention to taxes before you redeem airline miles.
Pay your bill in full on time
Airline credit cards provide rewards programs, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.
