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Airline Credit Cards

Compare airline credit cards and earn free air miles every time you use your card. Or better yet, get free miles just for being approved. Choices abound when it comes to travel rewards credit cards. Without a doubt there is no shortage of offers. There are many options and considerations to take into account as you compare credit cards so please pay attention to the details.

Escape by Discover® Card

  • Earn up to 0 in travel rewards–1,000 Bonus miles every month you make a purchase for the first 25 months
  • Double Miles on every you spend
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% – 20.99%*

Miles by Discover® Card

  • Earn up to 0 in travel rewards–1,000 Bonus miles every month you make a purchase for the first year
  • 1 Mile on every you spend – Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% – 20.99%*

Simmons First Visa Platinum Rewards

  • Created for those with Excellent Credit and approval is based on your credit rating and application review.
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.

Visa Black Card

  • Limited Membership
  • 24-Hour Concierge Service
  • Exclusive Rewards Program – redeem points for 1% cash back or for airfare on any airline with no blackouts or restrictions

PenFed Premium Travel Rewards American Express Card

  • 5 points on airfare purchases
  • Exceptional travel offers and discounts

Iberiabank Visa® Platinum

  • Earn up to 17,000 bonus points in the first year of account ownership
  • Earn 1 bonus point for every in qualifying net retail purchases in addition to and outside the initial bonus. You can ScoreMore with Bonus Points – 2X, 3X, 4X or more at participating retailers online and in-store. Turn your points into hotel, gift or experience rewards with as little as 700 bonus points.
  • No annual membership fee

Green Dot Prepaid Debit Card

  • Activation Online -with no credit check
  • No Overdraft or Penalty Fees
  • Access over 18,000 MoneyPass ® ATMs

As you can see there are indeed many different types of airline credit cards to choose from. When doing a credit card comparison of the various travel rewards programs please keep in mind that the interest rates, also known as the annual percentage rate (APR), and the fees are a bit more pricey.

Rewarding account holders with airline miles is an expensive proposition, as you may imagine. And as you well know banks and credit card issuers are not in the habit of giving away something for nothing. My point is that for travel rewards credit cards, interest rates and fees are typically higher.

You must identify exactly what your needs are and weigh the benefits against the costs associated with any and all cards you are interested in when seeking the best credit card. Only when you can justify the benefits of the air miles rewards program against the costs of owning a credit card can you truly make an informed decision.

If you happen to pay your balance in full each and every month then you don’t have to worry about the interest rates because you won’t be paying them. That’s always a good deal. The fees, however, are a different story. And the credit card companies are becoming more aggressive in charging cardholders fees.

When it comes to airline credit cards there are basically two types. The first is when a credit card is in partnership with one specific airline. An example of this would be Platinum Delta SkyMiles from American Express. It is an exclusive relationship between Delta Airlines and American Express.

The second type or category of airline credit cards allows the cardholder to fly just about all major air carriers. Examples of these types of cards include Miles by Discover card, Escape by Discover card and Blue Sky from American Express.

With these types of cards it is important that you check to see if there are any blackout dates, travel restrictions or expiration dates for using your air miles. If you should happen have any questions about any of the offers then do not hesitate to contact the credit card company and speak with a customer service representative.

The thing about airline credit cards is that sometimes it’s rather confusing trying to decipher exactly how the rewards programs work. Please be sure to carefully read the disclosure statement so that you understand all of the terms and conditions that accompany the credit card you are interested in.

Travel and Airline Credit Cards

There are many airline miles credit cards to choose from so you really have to decide which one is best suited to your needs by comparing the various offers. You also want to closely look at the interest rates offered. Typically, airline credit cards oftentimes charge higher interest rates and fees in order to offset the airmiles they reward as incentives for using their card.

As you can see, when it comes to airline miles credit cards, there are basically two types. The first is a card that is issued by a bank and branded with the Visa or MasterCard logo and displays the name of a particular airline.

This type of airline travel rewards card is the result of a partnership between the credit card issuer and an air carrier. Customers that are loyal to a single airline can benefit greatly from this type of offer.

The second is more of a general travel rewards card. It does not involve a partnership with a single airline, but rather it has partnerships with many of the major airlines in both the United States and throughout the world.

Finding the type that would benefit you the most, whether for personal use or business travel, really all depends upon your specific needs and preferences. Many business credit cards, in fact, offer travel rewards.

Just a cursory glance at the above offers and you will see that the details of each vary greatly. Some offer bonus miles just for signing up, some offer double miles and some offer miles as a bonus for making purchases.

It is quite clear when comparing airline miles credit cards that it is important to first identify those features that are most important to you. From there you should be able to make comparisons efficiently.

While earning bonus points and frequent flyer miles are a great way to save money, please do not neglect other important aspects of the offers. The all important factors that you must be aware of include the annual percentage rate (APR) and fees.

It is not at all unusual for travel rewards cards to have higher than average interest rates and fees. The rewards of bonus miles and frequent flyer miles can become quite expensive for the credit card issuer and airlines so many rely on other revenue streams to recoup some of those costs.

Other important details to consider include blackout dates, expiration dates for using airline miles points and redeeming rewards. You may be well served by contacting the issuer directly in order to have any of your questions answered.

Because airline miles credit cards can have rather complex rewards programs, be sure that you take the time to truly understand what they are and how they work before you apply for an offer that interests you.

Related Information:

  1. Airline Credit Cards – Facts You Need to Know Airline credit cards are a great way to save money. Get the facts and avoid the traps in this article….
  2. Airline Credit Cards – How to Find the One You Need Sound tips and advice for finding airline credit cards that will benefit you the most. Review and apply for the best travel rewards cards on the market….
  3. The Difference Between Travel Credit Cards and Airline Cards Learn the difference between travel credit cards and airline credit cards in order to be better informed when deciding which card is best for you….