Best Airline Credit Cards

The best credit card to buy airline tickets is Chase Sapphire Preferred® Card, thanks to its 60,000 initial bonus points offered for spending $4,000 in the first 3 months. Plus, you get 1 - 10 points per $1 spent on purchases.

The card's rewards are enough to offset its $95 annual fee, but you need to have at least good credit to get it. Chase Sapphire Preferred also gives you flexibility by allowing you to transfer points to leading airline loyalty programs.

Here are the best credit cards to buy airline tickets:

Chase Sapphire Preferred offers 60,000 bonus points for spending $4,000 in the first 3 months. With this card, you earn 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases. You can also transfer your points to leading airline loyalty programs. The card has a $95 annual fee. Requires at least good credit.

JetBlue Plus Card offers 40,000 points after spending $1,000 in the first 90 days and paying the annual fee. With this card, you earn 6 points per $1 spent on JetBlue purchases, 2 points per $1 spent at restaurants and grocery stores, and 1 point per $1 spent on all other purchases. On top of all that, cardholders get free checked backs on JetBlue flights as well as 50% off in-flight purchases. The card has a $99 annual fee. Requires excellent credit.

Chase Freedom Unlimited offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). The card has a $0 annual fee. Requires at least good credit.

Upgrade Credit Card offers . With this card, you earn 1.5% cash back on all purchases every time you make a payment. The card has a $0 annual fee. Requires at least fair credit.

U.S. Bank Cash+® Visa® Secured Card offers 5% cash back on two categories of your choice (up to $2,000 each quarter), 5% back on prepaid air, hotel and car reservations booked in the Rewards Travel Center, 2% back on your choice of one everyday category (like gas stations, EV charging stations, grocery stores or restaurants) and 1% back on all other purchases. The card has a $0 annual fee. Accepts applicants with bad credit.

For your convenience, we'll recap our selections below

• Best Overall: Chase Sapphire Preferred® Card
• Best Airline Credit Card: JetBlue Plus Card
• Best Rewards for Light Spenders: Chase Freedom Unlimited®
• Best for Fair Credit: Upgrade Cash Rewards Visa®
• Best for Bad Credit: U.S. Bank Cash+® Visa® Secured Card

You can either choose a credit card that offers more flexibility with rewards for general airfare spending or you can see if the airline you fly with most frequently has a credit card. The JetBlue Plus Card is a good option in that regard, but there are others offering attractive rewards and various perks for other airlines as well.

The best airline credit card with no annual fee is the United Gateway℠ Card because it offers 2 miles per $1 spent with United, gas stations, local transit and commuting, and 1 mile per $1 spent on all other purchases. Cardholders also get an initial bonus of 30,000 miles after spending $1,000 in the first 3 months. This card has a $0 foreign transaction fee, too.

Best Airline Credit Cards with No Annual Fee

Overall, there aren't too many airline credit cards with no annual fee. If you want to redeem miles for flights on any airline, or for any other travel expenses, Chase Freedom Unlimited® is a good option. It gives 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). Plus, Chase Freedom Unlimited has a $0 annual fee.

United MileagePlus is the best airline rewards program, according to WalletHub's latest Frequent Flyer Report. And it doesn't matter whether you travel a lot, a little or somewhere in between because MileagePlus is the top choice across the board. This is largely due to the fact that MileagePlus miles don't expire because of account inactivity, in addition to the program's tens of transfer partners and its lack of blackout dates for flights booked with miles.

But you can see which airline rewards program is best for your particular needs by using WalletHub's Frequent Flyer Calculator.

It's also important to remember that credit cards are a whole different ballgame. An airline can have a great loyalty program but a crummy credit card. So, when you're considering airline rewards credit cards, make sure to keep the following key characteristics in mind. Doing so will help guide you to the most rewarding miles program possible.

How to Pick the Best Airline Rewards Program:

1. Airline Affiliation: Some airline cards offer generic miles that can be redeemed for flights on any airline. Others are tied to particular airlines and provide miles usable only for flights with affiliated carriers. The former are good for both the infrequent traveler and those who travel a lot, but on different airlines. The latter are only good for brand-loyal frequent flyers.
2. Initial Rewards Bonus: The initial bonus that you can earn during the first few months of card use is an extremely important consideration. The reason for that is bonus miles on certain cards may even exceed the number of miles attainable from a full year of card use.
3. Earning Rate: You need to figure out how quickly you'll be accruing miles, as this dictates how lucrative each card you consider will be. Just be aware of cards that require you to sign up on a quarterly basis in order to be eligible for the highest rewards earning rates.
4. Earning Tiers: Some airline miles credit cards give you a certain number of miles per $1 spent until you reach a designated spending threshold, at which time the rewards earning rate changes. Depending on your spending habits, this can significantly affect a card's appeal.
5. Expiration: If your airline miles will expire at some point, you clearly need to know about it. When present, expiration is typically linked to either account inactivity or the amount of time elapsed since miles were earned.
6. Redemption Policy: Find out how many miles you need to redeem for a flight and how much that flight would cost if purchased normally. This will tell you how much the miles are worth. You should also scan the rewards program's terms to see if there's any mention of blackout dates or a minimum number of miles required for redemption.
7. Status Miles: The rate at which status miles are doled out is a key factor for frequent flyers who are thinking of committing to a particular airline.

Yes, airline credit cards are worth it if you travel frequently with a certain airline. You'll often get extra rewards for buying your tickets from a specific airline and may receive special perks like early boarding or free checked bags. You can also get general travel cards that aren't partnered with any specific airline. Those cards often provide more versatility and better overall value than airline-branded cards. Let's look at some examples of both types.

Here are some airline credit cards that are worth getting:

A lot of airline cards will also have other travel-related perks. You might get insurance for travel accidents, trip cancellation, lost baggage, and/or rental cars.

If you're a frequent flyer on a specific airline, feel free to also take a look at our editors' picks for the best airline credit cards. In case you don't want to be tied to a specific airline, check out some of the best travel credit cards on the market – they offer attractive rewards that you can use for a variety of airlines and other travel purchases.

How many miles you need for a free flight depends on the dollar cost of the flight. On average, a one-way domestic flight will cost between 6,000 miles and 20,000 miles, depending on the airline. A one-way international coach flight will cost 35,000-50,000 miles.

Airline miles and points are generally worth around 1 cent each, but their value can vary. For instance, when redeeming Southwest points for a free flight, each point is worth 1-1.5 cents, depending on the route and date of the flight. United miles are worth between 1 and 2.5 cents each.

How Many Miles You Need for Free Flight by Major Airline:

• American Airlines: 7,500+ miles needed for a free one-way domestic flight.
• United Airlines: 10,000+ miles needed for a free one-way domestic flight.
• Southwest Airlines: 2,372+ miles needed for a free one-way flight from Las Vegas to Los Angeles (cheapest option).
• Frontier Airlines: 10,000+ miles needed for a free one-way domestic flight.
• JetBlue Airlines: 3,400+ miles needed for a free one-way flight from Long Beach, CA to Las Vegas (cheapest option).

Getting an airline credit card can help you earn miles and free flights faster than a frequent flyer program alone, especially with large signup bonuses. The Citi/AAdvantage Platinum Select World Elite Mastercard, for example, comes with a signup bonus of 50,000 miles for spending $2,500 in the first three months. Since the $99 annual fee is waived the first year, you can get those bonus miles and redeem for free flights before having to pay any annual fee.

You don't have to be a frequent flyer to benefit from an airline miles credit card, but it certainly helps. Anyone can take advantage of an initial bonus worth a couple of free plane tickets, for example. But if you use a miles card on an ongoing basis and don't have many opportunities to redeem your earnings, the miles that you save will be subject to devaluation. And don't you want to enjoy your rewards on a regular basis? Plus, there's no reason you can't use cash-back savings for a future flight.

So the more sporadic your flight schedule, the more you should consider cash back credit cards and travel rewards cards that aren't affiliated with a specific airline.

The best airline credit card for international travel is the United℠ Explorer Card. This card offers good rewards, a $0 foreign transaction fee, and a credit of up to $100 to cover the cost of applying for Global Entry. 

United is also part of the Star Alliance, one of the world's largest airline networks. Plus, the United Explorer Card can be used anywhere Visa is accepted. Other perks include a free checked bag for you and one companion, priority boarding, and travel benefits such as rental car insurance and lost luggage protection.

6 of the Best Airline Credit Cards for International Travel

Initial bonus: 60,000 miles for spending $3,000 in the first 3 months

Ongoing rewards: 2 miles per $1 spent with United and hotel stays, 2 miles per $1 spent on dining and eligible delivery services, as well as 1 mile per $1 spent on all other purchases

Other travel perks: Free checked bags for you and one companion, priority boarding, travel insurance, and up to $100 for the Global Entry, TSA PreCheck, or Nexus application fee.

Foreign transaction fee: $0

Annual fee: $0 intro 1st yr, $95 after

Initial bonus: 30,000 miles after spending $1,000 in the first 3 months

Ongoing rewards: 2 miles per $1 spent with United, gas stations, local transit and commuting, and 1 mile per $1 spent on all other purchases

Other travel perks: Receive 25% back as a statement credit on United inflight purchases and get a one-year complimentary DashPass membership.

Foreign transaction fee: $0

Annual fee: $0

Initial bonus: 50,000 miles for spending $5,000 in the first 3 months

Ongoing rewards: 2 miles per $1 spent with American Airlines, as well as 1 mile per $1 on all other purchases

Other travel perks: Admirals Club membership and free checked bags for you and up to 8 companions.

Foreign transaction fee: 0%

Annual fee: $450

Initial bonus: 75,000 Avios after spending $5,000 in the first 3 months

Ongoing rewards: 3 Avios per $1 spent with British Airways, Aer Lingus, Iberia and LEVEL, 2 Avios per $1 spent on hotels, and 1 Avios per $1 spent on all other purchases

Other travel perks: A companion ticket every calendar year after making $30,000 in purchases on your card and a one-year complimentary DashPass membership. Cardholders also get statement credits for booking certain British Airways flights and 10% off British Airways flights starting in the U.S., when booking through the website provided in the welcome materials.

Foreign transaction fee: 0%

Annual fee: $95

Initial bonus: $100 statement credit, 50,000 miles and a companion fare ticket for spending $2,000 in the first 90 days

Ongoing rewards: 3 miles per $1 spent directly with Alaska Airlines, 2 miles per $1 spent on gas, cable, streaming services and local transit, and 1 mile per $1 spent on all other purchases

Other travel perks: One companion ticket every year after your account anniversary, free checked bags for you and up to 6 companions, and 20% back on all Alaska Airlines inflight purchases when you pay with your Alaska Airlines Credit Card.

Foreign transaction fee: 0%

Annual fee: $95

Initial bonus: 50,000 bonus points after spending $4,000 in the first 90 days

Ongoing rewards: 6 points per $1 spent on JetBlue purchases, 2 points at restaurants and office supply stores, and 1 point on all other purchases

Other travel perks:  Up to 5,000 bonus points every year after your account anniversary, free checked bags for you and up to 3 companions, and a statement credit after purchasing a vacation package with JetBlue. Cardholders also get 10% back every time they redeem for and travel on a JetBlue-operated Award Flight, plus 50% savings on eligible inflight purchases on all JetBlue flights. 

Foreign transaction fee: 0%

Annual fee: $99

Things to Look for in an Airline Credit Card for International Travel

• Welcome bonus: Look for generous initial bonuses, but make sure you can meet the spending requirement without the need to overspend. A big initial bonus is a good way to collect rewards for your next international trip, or an international trip could help you meet the spending requirement. 
• High rewards rate: Apply for a card that offers high earning rates on travel purchases, among other categories that are in line with your spending habits. 
• Suitable redemption options: Redemption options vary by card. Some cards allow you to redeem your rewards through a travel portal, while others lets you transfer them to a number of travel partners. Make sure to figure out which redemption options work best for you. 
• Competitive rewards value: You should also consider how much your rewards are worth when you redeem them. Airline credit cards typically offer the most value when you redeem miles/points for travel purchases – particularly flights on affiliated airlines. 
•  No foreign transaction fee: A no foreign transaction fee credit card is essential when traveling internationally. This way, you can use your card abroad without the fear of racking up fees. Plus, these cards also get you the best exchange rate. 
• Travel insurance: Some useful benefits include rental car insurance, delayed and lost luggage reimbursement, and trip cancelation insurance.  

Airline credit cards for international travel are particularly valuable for people who routinely fly with one airline and can take advantage of all the perks these cards offer. 

Infrequent travelers and people with no allegiance to a specific airline may benefit more from a travel rewards card that isn't tied to a single airline. Many of the best credit cards for international travel offer rewards you can redeem for any travel expense.

Choosing between cash back rewards and travel rewards ultimately comes down to your spending preferences, the perks that specific cards offer, and how you plan to redeem rewards earnings. In general, people looking for flexible redemption options and rewards with clear values that can't be changed by the card's issuer should choose cash back rewards. But frequent travelers who enjoy perks such as free flights, airport lounge access, and hotel room upgrades have the chance to earn more total value from travel rewards.

With travel rewards credit cards, the number of points or miles you'll need to redeem for a free flight or hotel night, for instance, varies from issuer to issuer and card to card. Points/miles can also lose their value any time the card's issuer decides to raise the number needed to get a certain dollar amount in redemption value. Cash back rewards, on the other hand, are easy to understand and will retain their value because they're already expressed in terms of dollars and cents.

All told, cash back rewards are the better way to go for most people. However, there are a number of variables to consider on both sides. Not everyone always needs to choose between cash back and travel rewards, either. Having both a cash back credit card and a travel rewards card in your wallet can make sense in some situations.

Cash Back vs. Travel Rewards Credit Cards

When choosing between cash back and travel rewards, it's important to be realistic in how you're going to use the card. And whichever type of rewards you pick, make sure to pay your bill in full each month, or else you could end up spending more in fees and interest than the rewards are worth.

Bottom Line: Cash Back vs. Travel Rewards

• You should get a cash back credit card if you want to earn everyday rewards and enjoy straightforward, flexible redemption options.
• You should get a travel rewards credit card if you travel multiple times per year and are confident you'll earn enough in rewards to cover the cost of the annual fee – without overspending.
• You should have both if you can manage more than one account responsibly and want the best collection of earning rates for your biggest spending categories. Just make sure you pay your balances in full each month.

As long as you use your credit cards responsibly, you have the potential to reap lucrative rewards on your everyday purchases. Just be sure to actually put those rewards to use. Rewards that go unredeemed defeat the purpose getting the card in the first place.

One of the best SkyMiles credit cards is the Delta SkyMiles® Gold American Express Card because it offers an initial bonus of 40,000 miles after spending $2,000 in the first 6 months. The card also offers benefits like free checked bags and extensive ongoing rewards. The Delta Gold Card also has a $0 intro annual fee the first year ($99 after that).

Best SkyMiles Credit Cards

Initial bonus: 40,000 miles after spending $2,000 in the first 6 months

Ongoing rewards: 2 miles per $1 on Delta purchases, 2 miles per $1 at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets, and 1 mile per $1 on all other purchases

Other perks: First checked bag free on Delta flights, among other benefits.

Annual fee: $0 intro 1st yr, $99 after

Credit requirement: Good (700+ credit score recommended)

Initial bonus: 10,000 miles for spending $1,000 in the first 6 months

Ongoing rewards: 2 miles per $1 spent on Delta purchases, 2 miles per $1 at restaurants worldwide (plus takeout and delivery in the U.S.), and 1 mile per $1 on all other purchases

Other perks: 20% savings in the form of a statement credit after you use your card on eligible Delta in-flight purchases of food, beverages, and audio headsets, among other benefits.

Annual fee: $0

Credit requirement: Good (700+ credit score recommended)

Initial bonus: 50,000 miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $5,000 in the first 6 months

Ongoing rewards: 3 miles per $1 spent on Delta purchases and 1 mile per $1 on all other purchases

Other perks: Delta Sky Club and Centurion Lounge access, first checked bag free on Delta flights, priority boarding, and a 20% statement credit for in-flight purchases when flying with Delta, among other benefits.

Annual fee: $550

Credit requirement: Good (700+ credit score recommended)

Initial bonus: 50,000 miles after spending $3,000 in the first 6 months

Ongoing rewards: 3 miles per $1 spent with Delta, 3 miles per $1 on purchases made directly with hotels, 2 miles per $1 at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets, as well as 1 mile per $1 on all other purchases

Other perks: Annual companion certificate and free credit for Global Entry or TSA PreCheck, among other benefits.

Annual fee: $250

Credit requirement: Good (750+ credit score recommended)

You can also check out our editors' latest picks for the best Delta SkyMiles credit cards to see which one suits your needs best.

How to Decide if a SkyMiles Card is Your Best Option

If you're a Delta enthusiast who flies with the airline regularly, it makes good sense from a rewards perspective to keep a SkyMiles card in your wallet. If you're not partial to Delta, SkyMiles cards are probably not your best option. Expanding your selection to include other airlines will open up travel reward card possibilities comparable to, and in some cases more attractive than, SkyMiles cards.

Ultimately, if you're a frequent traveler who doesn't want to be tied to a specific airline, feel free to also check out our editors' picks for the best travel credit cards on the market.

The best Star Alliance credit card is the United Gateway℠ Card because it is the best offer from United Airlines, the most popular Star Alliance member with a credit card. It offers an initial bonus of 30,000 miles after spending $1,000 in the first 3 months, along with 1 - 2 miles per $1 spent on purchases.

The United Gateway℠ Card has an annual fee of $0 and requires at least good credit for approval.

Best Star Alliance Credit Cards

Getting any Star Alliance credit card automatically enrolls you in the airline's loyalty program. If you earn miles from any Star Alliance member, you can redeem them with the other member airlines, too.

So having a Star Alliance credit card can add a lot of flexibility to your rewards travel. Unfortunately, only 2 of the 26 Star Alliance airlines have credit cards for people in the U.S., as of 2023: United and Lufthansa.