Eligibility Criteria For Airline Credit Cards
Each credit card issuer sets different eligibility criteria to apply for credit cards. Mentioned below are the basic eligibility requirements to apply for an airline credit card:
- You have to be an Indian citizen
- You should be salaried/self-employed professional/self-employed business-holder
- You should have a good credit history.
- You should be between 21 years and 60 years.
What Are The Best Airline Miles Credit Cards For Free Flights
The average number of airline miles you need for a free flight depends on the airline you choose to fly with, your destination, and when you decide to travel. Keep in mind there are no completely free flights, even if you use your points. Youll still have to shell out the cost of taxes and any applicable fees imposed by the carrier. The best airline miles credit cards help you book free flights faster.
Heres what you need in regards to points for free flights, based on some of the biggest U.S.-based airlines.
Capital One Venture Rewards Credit Card
Best for flexible travel rewards
- This card is best for: Travelers who want the freedom to transfer miles to different travel partners rather than being tied to a single airline or hotel chain.
- This card is not a great choice for: Those who insist on elite-level perks and benefits and special spending categories that offer elevated rates on certain purchases.
- What makes this card unique? The generous rewards rate and decent ancillary benefits provide a lot of value relative to the cards $95 annual fee.
- Is this card worth it? The flat-rate rewards on general purchases and flexible redemption options make this card a solid pick if youre in the market for a travel card, but only vacation semi-frequently.
Jump back to offer details.
Read Also: Should You Pay Off Your Credit Card In Full
How Do Airline Cards Compare With Travel Rewards Cards
While airline credit cards offer rewards in the form of an airline’s miles or points, general travel rewards credit cards have their own systems, like American Express’ Membership Rewards points or Chase’s Ultimate Rewards points. General travel credit card points can be used to redeem travel through the card issuer’s travel portal, or for a potentially higher value, transferred to an airline partner. You also earn extra points on any travel purchase, regardless of the airline.
Though they may charge higher annual fees, the general travel rewards credit cards tend to offer superior return rates and, since they cover a much greater range of purchases, they are often the better option. American Express Membership Rewards points and Chase Ultimate Rewards points may also be worth more cents per point when transferred strategically, making the return even greater.
Even the best airline credit card is typically less flexible than general travel cards, since you only earn the bonus reward rate when making purchases with an airline, and your options for redemption are much more limited. Given their relative inflexibility, airline credit cards are best for travelers who want to take advantage of airline-specific perks. If you often spend on upgraded boardings or checked bags and you always fly with the same airline, these cards can save you money.
Why You Might Have A Pending Travel Credit Card Decision
Reading the words Your application is pending further review is frustrating. In most cases, the bank will also go on to state that it can take seven to ten days to reach a final decision. After that, it can still be another five business days before your new card arrives in the mail.
Pending credit decisions cause more delay than you think. This can be especially frustrating if you need a card ASAP because youre hoping to qualify for a signup bonus.
Every credit card company has its own approval criteria. By no means is this list all-encompassing. However, these are a few common reasons why your application is pending.
Also Check: Td Bank Gift Card Info Check Balance
The Bottom Line: Should You Get An Airline Credit Card
An airline credit card may be the right choice for you if you enjoy traveling and want to get discounts on flights. If you can easily meet the spending requirements and make the most of your rewards, signing up for an airline credit card is a great way to gain extra comfort, convenience and security while abroad.
Comparing an airline credit card to a general travel credit card will allow you to see the differences between these two products. While both can appeal to people that travel more than twice a year in the air, you’ll see bigger branded perks with an airline card, but more ability to earn points with a general travel card. Which is best for you? Look at your spending, your airline preferences and the specific travel perks to pick your best credit card.
United Club Infinite Card
One of the main reasons to get the United Club Infinite Card is for the complimentary United Club membership, a $650 value per year. There is also a fee credit of up to $100 for Global Entry or TSA PreCheck. This is one of the best United credit cards.
United purchases earn 4 miles per $1, 2 miles per $1 at restaurants including eligible delivery services, 2 miles on all other travel, and 1 mile per $1 spent on everything else. Cardholders can also get 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United-operated flights when paying with their Club Infinite Card.
There is a $525 annual fee.
You and one companion also get two free checked bags. This card also comes with a host of Premier benefits from expedited security screening to complimentary seat upgrades .
New United Club Infinite Card cardholders can earn 100,000 bonus miles.
Learn more: Airline Credit Cards
Don’t Miss: Comenity/ultamate Rewards Mastercard
Reward Flights Are Limited So You’ll Have To Be Flexible Around When You Travel
The availability of reward flights is much more limited than when paying for flights normally, so you’ll have to go quick and be as flexible as possible.
Tactically, the ideal time to start checking is around a year before this is when seats start to be released . Though keep checking, as sometimes there are no seats available when a flight’s launched, but extra seats are released later.
If you want to fly at peak times such as Christmas or school holidays, booking well in advance is usually essential. Use British Airways’ search and book page to check for availability , or Virgin’s reward flights calendar.
– 0.75 points per £1 spent
– Free companion ticket/upgrade on £20,000+ annual spend – No fee
– Fail to repay fully and it’s 22.9% rep APR interest
Top fee-free Virgin Atlantic card: earn ongoing Virgin points, plus a free companion ticket or upgrade for high spenders.
Plus, if you’ll spend over £20,000/yr on the card you’ll get a free Flying Club tier reward. If you’re at its lowest ‘red’ tier, you can choose a free upgrade , a companion ticket in economy or premium though you’ll both pay taxes and charges or a Virgin Clubhouse pass.
Best Travel Card For Airline Rewards
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.
Recommended Reading: Paying Best Buy Credit Card
What Is The Best Airline In Canada
Choosing the best airline in Canada is subjective as it depends on whats important to you. Air Canada is the biggest airline in Canada, but if you live in Alberta or British Columbia, you may prefer WestJet. Theres also Porter which is known for its service, but they only fly to a few airports and have no credit card. Alternatively, Canada now has two ultra low cost carriers in Swoop and Flair. Youll also notice that the best airline credit cards in Canada allow you to earn points on carriers such as Cathay Pacific, Delta, British Airways, and more. Although theyre not Canadian, they fly to Canada.
Find Your Perfect Credit Card In Under 60 Seconds
Tell us a bit about yourself
Answer some questions so we can personalize our recommendations – this won’t impact your credit score
Check your eligibility
We confirm your eligibility with our partner, TransUnion. This will be a âsoft credit checkâ which you can see but lenders cannot
Find your perfect matches
Don’t Miss: Pay My Cabelas Card
How Does An Airline Credit Card Work
An airline credit card earns miles that are redeemable for airfare. Traditional airline credit cards are tied to a specific airline and earn miles in that airline’s frequent flyer program. Most of them also offer airline benefits, such as a free checked bag, companion pass, and airport lounge access. Their perks make them one of the best types of credit cards for frequent flyers.
There are also airline cards that are part of a credit card company’s rewards program instead of an airline program. These cards earn airline rewards that you can use to book flights with multiple airlines.
Best Credit Cards For Flights With Southwest Airlines
Reward pricing on Southwest Airlines depends on destination, time, date of travel, and other factors. One of the easiest ways to earn rewards with Southwest is to take advantage of the bonus offers that come with their credit cards.
The easiest way to see how much fares cost is to go to their site and put in your flight information. At the top of the page, you can choose the points view.
The following screengrab will give you an idea of how much it costs for a coast-to-coast flight . It looks like points vary anywhere from 16,000 to 49,000 and higher.
Recommended Reading: Google*svcsapps
Intermiles Icici Bank Sapphiro Credit Card
10,000 bonus InterMiles and a complimentary discount code worth of INR 750 on joining.
Striking Features at a Glance
Not only on joining, you can earn bonus InterMiles and a complimentary discount voucher code worth of INR 500 even on renewal. As much as 5,000 bonus InterMiles can be earned on renewal. Every INR 100 spend will give you 7 InterMiles. More so, this travel card has complimentary lounge access, golf sessions, movie tickets, discounts on your dining, and plenty more to keep you interested.
Annual Fee INR 5,000 + 18% GST
Why Should You Go for It?
The card gives you a complimentary membership to DragonPass, enabling you to relax at over 450 comfortable and luxurious airport lounges located in more than 100 countries worldwide. Complimentary baggage allowance of 5 kg for the Economy and 10 kg for Premiere Class travellers are also there. The InterMiles, which you earn on the spends, can be redeemed for flights at www.intermiles.com. InterMiles can also be redeemed to upgrade the class of your flight, from economy to premiere or premiere to first class.
Best Business Credit Cards For International Travel
Whether you want cash or travel rewards, one of these small business credit cards for travel can be a perfect fit for your business.
Despite being business credit cards, only try for them if you dont have at least 5 new credit cards in the last 24 months to stay below the Chase 5/24 rule. You will also need a 740 credit score to qualify for these cards.
You May Like: Credit Cards That Use Transunion Score
Best Low Interest Credit Card
If you carry a balance on your credit card from month to month, you shouldnât be chasing rewards â you also shouldnât be paying a high interest rate. The True Line Gold Mastercard from MBNA currently offers the lowest fixed interest rate for purchases in Canada at 8.99%, which is half the interest rate of the typical rewards credit card. This card does have a $39 annual fee.
Why we like it:
This card stands out for the fact it offers the lowest fixed interest rate on purchases and balance transfers in the country. So, whether you anticipate youâll carry a balance or are looking to consolidate and pay off high-interest debt from other cards, the True Line Gold Mastercard can help you save a considerable amount of money on interest long term.
Fraud protection and access to 24/7 customer service.
Best Store/retail Credit Card
If you regularly cross off your shopping list at Shoppers Drug Mart and Loblaws banner grocery stores , then the PC Financial World Elite Mastercard is a no brainer.
The premium, no-fee retail credit card earns between 45 to 30 PC Optimum points per dollar spent at affiliate retailers , and 10 PC points per dollar everywhere else you swipe the card . With over 4,500 retail and gas locations affiliated with the PC Optimum program, thereâs no shortage of opportunities to rack up bonus points.
PC Optimum points can be redeemed for purchases from Shoppers Drug Mart and Loblaws banner grocery stores in increments of 10,000 points for $10.
To qualify for the PC Financial World Elite, youâll need to earn an annual income of $80,000 . If you donât hit those minimum income requirements, the good news is you can still qualify for PC Financialâs other great no fee retail credit cards.
Why we like it:
Thanks to its impressive earn rates of between 4.5% to 3% and its partnership with some of Canadaâs largest grocery, pharmacy, and gas station brands, the PC Financial World Elite stands out for being one of the best no fee credit cards for purchasing household essentials.
It also doesnât hurt that the PC Optimum Points program is extremely easy-to-understand and flexible .
Read Also: Can I Use My Best Buy Credit Card Online
Are Air Miles Credit Cards Better Than Cash Back Credit Cards
If you consider yourself an avid flyer, an air miles credit card is ideal. Its a great option if you book flights for business or pleasure trips on a regular basis. While air miles credit cards can be useful money-saving tools, theyre not for everyone.
In the event you rarely fly, you may be better off with a cash back credit card. With a cash back credit card, youll receive cash back, rather than miles for your purchases. You can deposit this cash in your bank account or apply it toward your credit balance.
When used appropriately, cash back credit cards can be a great way to earn some extra cash at the end of every month. Depending on your spending habits and priorities, it may make sense to sign up for both an air mile credit card and a cash back credit card.
Reach New Heights With Status Lift
The WestJet RBC® World Elite Mastercard is taking you higher with Status Lift.5 As a cardholder, everyday purchases on the card will bring you closer to achieving status. Experience more benefits such as lounge passes, priority boarding, advance seat selection, increased WestJet dollar earn and more.
Limited-time introductory offer
Receive a Status Lift of $500 in tier qualifying spend with just $5,000 in everyday purchases on your WestJet RBC World Elite Mastercard. You can earn three lifts between September 1 and December 31, 2021 for a total of $1,500 in tier qualifying spend.
You May Like: How To Cancel Cabelas Credit Card
How To Choose A Best Travel Credit Card
There is no one travel credit card thats designed for all travellers. You need to carefully compare the rewards structure of each program and choose something that best suits your lifestyle.
Are you saving up for one-time round-the-world flight purchase? Or do you prefer to put your points towards ongoing travel expenses, like baggage costs or hotel stays? The choice is yours, but there are a few key features to look for in a travel rewards credit card:
- A generous welcome bonus
How Our List Compares To Other Publications
Personal Finance Insider draws on the advice and experience of its own credit card experts, but we know that research is an important part of the hunt for your next credit card. With that in mind, we’ve compared our top airline card recommendations with those from other authorities in this space.
We included a checkmark under each publication name if it recommended a given card in any of its top airline credit card coverage. For more information on why some of our recommendations differ, see our section on popular airline cards that just missed the cut.
You May Like: Activate Td Bank Gift Card