Saturday, November 26, 2022

What Is The Best Credit Card For Miles Rewards

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Can Air Miles Credit Cards Save You Money On In

3 BEST Travel Credit Cards 2019 (Earn Towards Free Travel) | To The Point | Ep 21 | The Points Guy

Some air miles credit cards can save you cash on a number of in-flight purchases. With these purchases, youre more likely to enjoy your time on the plane. The Delta SkyMiles® Blue American Express Card offers a statement credit you can use on eligible Delta in-flight purchases.

A few examples of these purchases include food, drinks, and headsets. The Platinum Card® can help you cover the cost of in-flight purchases as well. You may select one qualifying airline and earn statement credits to pay for in-flight refreshments and other fees like checked bags.

What Is The Best Credit Card For Airline Miles

The best card to use for airline miles is the card that works best for you. If you are loyal to one airline, it might make sense for you to hold that airlines card even if the earnings rates arent the strongest. If youre not loyal to a specific airline, a card that earns flexible rewards like Chase Ultimate Rewards or American Express Membership Rewards is likely to be a better choice.

What Are The Different Types Of Travel Credit Cards

There are two main types of travel rewards cards:

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Best Travel Card For Sign

What to Know About This Card

  • Annual Fee: $95
  • Travel Rewards Highlights: 2x points on dining and travel. Receive 25% more value when you redeem for airfare, car rentals, hotels or cruises through Chase Ultimate Rewards
  • Introductory Offers: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months you have the card
  • Top Perks: 25% bonus on points redemptions for travel through Chase Ultimate Rewards, no foreign transaction fees, no delivery fees on DoorDash purchases

Why We Like It: This card lands just right with a strong welcome bonus and an annual fee under $100. And youre getting yourself into a pretty solid card once the sign-up bonus disappears. DoorDash users, especially, could see real value in the perks for this card.

The Difference Between Airline And Travel Credit Cards

Air Miles Credit Cards

We included two travel credit cards the Chase Sapphire Preferred and Capital One Venture in our list because of their flexibility. Both of these cards are great for beginners, but luxury travelers who want to maximize airfare purchases should consider a card such as The Platinum Card® from American Express, which offers 5x on airfare booked directly with the airline that 5x for airfare is capped at $500,000 per calendar year. The card has a 10% return on spending according to our valuations.

As a rule, get you a better return on spending. They dont usually have airline-specific perks or a way to earn elite status on airlines, but they do allow you to transfer points to a specific carriers loyalty program.

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Discover It Miles: Best For Airline Miles Flexibility

Why we picked it: This no annual fee travel credit card offers a competitive 1.5X miles back on general purchases, along with a lucrative bonus that matches the miles you earn at the end of your first year.

Pros: Youll enjoy a wide range of travel redemption options, including airfare, hotels, car rentals, travel packages, taxis and public transportation and can even redeem miles for cash back.

Cons: On the flip side, you cant transfer your miles to airline partners. The cards value drops significantly after the first year match. Depending on your spending habits, you could earn more with the Capital One Venture Rewards Credit Card, which offers 2X miles on general purchases, but charges a $95 annual fee.

Who should apply? This card is another option for anyone looking for a straightforward, general purpose travel rewards credit card.

Who should skip? The fact that miles cannot be transferred to airline frequent flier programs may be a major deal breaker for frequent travelers.

Read our Discover it Miles review or jump back to this cards offer details.

Capital One Ventureone Rewards Credit Card: Best For Less Frequent Travelers

Why we picked it: This straightforward travel rewards credit card lets you earn 1.25X miles on general purchases without paying an annual fee.

Pros: Cardholders can also earn 20,000 miles if they spend $500 in your first three months, which we estimate to be worth up to $200 in travel rewards. Theres no minimum to start redeeming rewards.

Cons: Capital One is thin on major U.S. airline partners. You could conceivably earn more with the Venture Rewards Credit Card, even though it charges a $95 annual fee.

Who should apply? If you like the Capital One Venture Rewards Credit Card, but cant stomach its annual fee or arent quite sure if youll travel enough to justify the charge, consider this card a solid alternative.

Who should skip? Frequent travelers may be better off with a higher flat-rate rewards card or one with bonus categories that allows them to maximize earnings.

Read our Capital One VentureOne review or jump back to this cards offer details.

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Amex Simplycash Preferred Card*

If youre looking for a card that offers cash back without the hassle of keeping track of spending categories, the SimplyCash Preferred Card from American Express could be a great option. Youll earn a flat rate of 2% on everything you buy with no limit to how much cash back you can earn. and additional authorized users get their cards for free so you can pocket even more cash back by pooling your earning power with other members of your family or household. This card comes with a travel insurance package that includes travel accident and emergency medical coverage, along with lost or stolen baggage protection, flight delay and hotel burglary coverage road trippers will love the car rental theft and damage insurance. All this comes bundled in a card with a lower-than-average annual fee of $99.

  • Annual fee: $99
  • Welcome offer: 10% cash back on purchases for the first 4 months
  • Earn rate: 2% cash back on all purchases
  • Income requirement: None specified
  • Additional perks: Travel insurance with travel accident and emergency medical coverage lost or stolen baggage protection flight delay, baggage delay hotel burglary coverage car rental theft and damage insurance American Express Front Of The Line perks

Best Travel Credit Cards

Credit card rewards: Which are best? Cashback vs miles vs points

Pros & Cons

Product Details

Simple rewards and flexible redemption have rightly made the Capital One Venture Rewards Credit Card one of the most popular travel credit cards on the market.

Simple rewards and flexible redemption have rightly made the Capital One Venture Rewards Credit Card one of the most popular travel credit cards on the market.


  • This card earns 5 miles per dollar spent on hotels and car rentals booked through Capital One Travel and 2 miles per dollar spent on everything else. Miles can be redeemed for any travel expense. You’re not limited to any single airline or hotel chain, and there are no blackout dates or restrictions on your travel. There’s a great sign-up bonus, and the card also reimburses the application fee for TSA Precheck or Global Entry.


  • You won’t get the perks of a dedicated airline or hotel card, like free checked bags or upgrades. You can transfer miles to several airline loyalty programs, but domestic options are scant.

on Bank of America’s website

Annual fee

Pros & Cons

Product Details

The Bank of America® Travel Rewards credit card makes its bones with simplicity and value: solid rewards on every purchase for an annual fee of $0.

The Bank of America® Travel Rewards credit card makes its bones with simplicity and value: solid rewards on every purchase for an annual fee of $0.



Our pick for

Pros & Cons

Product Details



Our pick for

Pros & Cons

Product Details





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How Do Credit Cards Work

Its important to understand exactly what credit cards do, so you can use them to maximum advantage without falling into financial trouble. There are lots of benefits that come along with having a credit card. For example, they offer credit that can be used when you make a purchase, for balance transfers and/or cash advances. Essentially, your credit is like a short-term loan with a balance that comes due every month. As you pay down your balance, the credit available to you the following month starts to go back up to the maximum credit limit on your card.

A credit cards strongest advantage is convenience. Simply pay for your purchase with your credit card and you will be billed for the outstanding balance the following monthno cash in your wallet required. Other benefits include the ability to accrue rewards and pointssuch as cash back or travel pointsbased on a percentage of your purchases each month, usually between 1% to 4%, depending on which credit card you choose. You can then redeem those points for gift cards, travel or other items offered through the credit card companys online rewards catalogue.

Are Credit Card Miles The Same As Regular Airline Miles

In most cases, yes. You can redeem credit card miles in the same account and they have the same value. One exception is that some airlines calculate credit card spending differently in terms of elite status.

Additionally, some credit cards earn miles that are part of the credit cards rewards program, like Capital One Venture Miles. These miles arent airline miles, but they can be redeemed for flights and even transferred to airline partners. Other types of credit cards earn points that can be transferred to airline miles.

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Pair Airline Cards With General Travel Cards

Lets say you have the Chase Sapphire Preferred Card and the Southwest Rapid Rewards® Plus Credit Card. Because Southwest is a Chase travel partner, you can transfer your Ultimate Rewards points at a 1:1 ratio. This way, you can rack up points to use for Southwest flights between both cards, but you arent stuck redeeming with Southwest if you find a better award price for your Ultimate Rewards points elsewhere.

Pairing an airline card with a complementary rewards card is oftentimes the best way to squeeze value out of your new travel companion. The right combination of credit cards can help you avoid rewards limitations that may come along with an airline card.

Southwest Rapid Rewards Plus Credit Card: Best For Southwest Airlines

Air Miles Reward Credit Card Stock Illustration ...

Why we picked it: This card rewards in a big way for brand loyalty, making it worth your while should Southwest Airlines be a favorite choice for you. Earn 2 points for every $1 spent on Southwest purchases. As a cardmember, youll earn 3,000 points after each card anniversary, which is not a common perk outside of the Southwest lineup.

Pros: The sign-up bonus is also good: Earn 40,000 bonus points after spending $1,000 on purchases in the first three months your account is open. Southwest points are worth 1.5 cents each*. You also get two free checked bags for every cardholder.

Cons: Southwest doesnt have airline partners, so the only rewards flights you can book are with Southwest.

Who should apply? Frequent Southwest flyers can earn Rapids Rewards points at a faster clip with the least expensive card in the carriers line-up.

Who should skip? If you dont fly Southwest often, dont live near a Southwest hub and/or mostly travel internationally, this card isnt a match for you.

Read our Southwest Rapid Rewards Plus Credit Card review or jump back to this cards offer details.

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Citi Premiermiles Vs Uob Prvi Miles Vs Dbs Altitude: Which Is Best

Finding the best air miles credit card is quite subjective. Why? Because it really depends on what youre looking for. If you like access to airport lounges and miles that dont expire, go for Citi PremierMiles. However, they dont offer the best miles earning rate. Now, if youre an overseas spender, you might want to consider UOB PRVI Miles because you can get 2.4 miles per dollar spent overseas. With DBS Altitude card, you get higher miles earning power than as Citi PremierMiles, as you can get 5 miles for travel-related expenses such hotel and flight bookings.

Top Credit Cards For Airline Miles 2021

Best for Delta Airlines

Best for Southwest Airlines

Selecting a credit card based on your expenses and travel needs is essential to maximizing the airline miles credit card you choose. Each airline offers one or more credit cards that offer ways to earn points and miles with their respective loyalty program. Some cards even offer exclusive perks, such as statement credits, free checked bags and early boarding. The best airline card for you depends on where your loyalty lies and if youll travel enough to use the benefits provided by the card.

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What Are Blackout Dates

Blackout dates are dates when you cant use travel rewards. In most cases, they fall on or around major holidays or other peak travel times. So if you want to book a Christmas vacation with your miles or points, you may not be able to.

This could be problematic if your work or personal schedule only allows you to travel during these time frames. The good news is some credit cards dont have blackout dates. With the Capital One® Venture cards, for instance, you can book travel with your miles at any time.

Unless youre very flexible with your travel dates, its worthwhile to find a card that is free of blackout dates. Otherwise, you may have a tough time using your miles toward trips.

Best Travel Card For Airline Rewards

Best Credit Card for Miles – our best card picks for air mile rewards in 2018

Brand-specific airline cards are limiting in that they commit you to one airline, and that might mean you wont always get the best price for your flight.

But if youre unfailingly loyal to one airline over the rest, this kind of card can be a massive help in achieving bonus rewards points goals with that airline. Were citing the Southwest card as an example of one we like, but youre probably best served by checking out the rewards card offered by your favorite airline.

What to Know About This Card

  • Annual Fee: $149
  • Rewards Program Highlights: 3x points on Southwest purchases and 2x points on local transit and commuting, including rideshare, internet, cable, phone services, and select streaming .
  • Introductory Offers: Earn 40,000 points after spending $1,000 within the first three months of opening the card.
  • Top Perks: $75 annual Southwest travel credit.

Why We Like It: A lot of the perks some other airline cards offer, such as waivers on bag fees or change, are standard for all Southwest Airlines customers. That allows this card to focus on going a little deeper with its promotions such as unlimited rewards seats and no blackout dates. Also, that annual $75 Southwest credit is like slashing the annual fee in half. Clark carries this card in his wallet.

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Bronze: Marriott Bonvoy Boundless Visa

  • Sign-up bonus: Three free-night awards if you spend $3,000 in the first three months
  • Typical annual rebate: 64,000 Marriott Bonvoy points, worth about $350 after subtracting the annual fee

Frequent guests of Marriott hotels can get good value of out of this card, which allows you rack up points that are redeemable for Marriott stays or transferable to the frequent-flier programs of more than 40 airlines, including those of American, Delta, Southwest and United. Most transfers are at a ratio of three Marriott points to one frequent-flier mile, and for each 60,000 points transferred, you get a 5,000-mile bonus. The card offers six Marriott points per dollar spent at Marriott properties, three points per dollar on up to $6,000 spent yearly at grocery stores, gas stations and restaurants, and two points per dollar on all other spending. Each year after your account anniversary, you get a free one-night Marriott stay , and cardmembers have automatic Silver Elite loyalty status. Points expire if your account is inactive for 24 months. If you prefer to pay no annual fee, check out the Marriott Bonvoy Bold Visa.

Bronze: Capital One Ventureone Rewards Visa

  • Sign-up bonus: 20,000 miles if you spend $500 in the first three months
  • Typical annual rebate: 35,000 miles, worth $350 in travel rebates

With this card, get five miles per dollar spent on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on all other spending. Miles are worth a penny each when you redeem them for statement credits on travel purchases or to book a new travel reservation through Capital One. Or transfer miles to any of more than 15 travel loyalty programs , including British Airways Executive Club and the Choice Privileges hotel program. The value of miles varies if you use them to get cash back or gift cards.

  • Sign-up bonus: 60,000 miles if you spend $3,000 in the first three months
  • Typical annual rebate: 56,000 points, worth $465 after subtracting the annual fee

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Airline Loyalty Programs And Transfer Partners

For airline credit cardholders, taking advantage of loyalty programs and transfer partners are essential parts of the travel toolkit. Both offer the potential for more value, more flexibility and a better overall travel experience.

Heres a list of informative resources from Bankrate:

Loyalty program guides

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