If you answered, “no,” to the first question, you’ll save more by using a 0% credit card – at least for purchases that will lead to an end-of-month balance. And if you responded in the negative to either of the other two questions, you’ll want a miles card that is not affiliated with a particular airline.
With that being said, WalletHub’s editors compared dozens of airline credit cards in search of the best offers. And you can check out their favorites below.
Here are the best airline miles credit cards:
|Airline Miles Card||Initial Bonus Miles||Avg. Mile Value||Annual Fee|
|Lufthansa Credit Card||50,000 miles||$0.0247||$89|
|Asiana Credit Card||30,000 miles||$0.0138||$99|
|Barclaycard Arrival Plus® World Elite Mastercard®||40,000 miles||$0.0105||None 1st yr, $89 after|
|British Airways Credit Card||50,000 points||$0.0228||$95|
|JetBlue Plus Card||30,000 points||$0.0146||$99|
For information about the non-plastic side of airline rewards, check out WalletHub’s report on the Best Frequent Flyer Programs. You can learn which airline miles can expire, for example, as well as which airlines have blackout dates for tickets purchased with miles. You can also get a personalized recommendation for which frequent flyer program is best for your needs, if any.
That should make it easier to find the best airline miles credit card for your particular needs. The following tips may come in handy, too.
Tips for Getting the Best Airline Rewards Card
- Decide if you can commit to one airline. If you always fly with the same airline, its credit card(s) merit serious consideration. If you like to shop around for airfare, keep your options open by focusing on credit cards with miles for any airline.
- Estimate how much you plan to spend. It’s not always clear which rewards card will save you the most money. To crunch the numbers, you’ll need an idea of how much you plan to charge to your card and what types of purchases they’ll be. Many miles credit cards give you more miles for airfare than groceries, for example.
- Consider all rewards currencies. Miles won’t always reward you most. So make sure your favorite airline card will serve you better than the best cash back and points cards. The terms “points” and “miles” are often used interchangeably, too.
- Weigh the benefit of other perks. Many airline credit cards offer benefits such as airport lounge access and travel insurance. Such perks can be quite beneficial, but not if you never use them. So think about whether you will.