Airline credit cards have become increasingly popular among travelers who are looking to earn points and miles with a specific airline while enjoying carrier-focused benefits. These cards can offer a range of perks, such as free checked bags, priority boarding, airport lounge access, and bonus points towards elite status. However, with so many options available, it can be overwhelming to choose the right airline credit card for you. In this article, we will discuss the factors you should consider when selecting an airline credit card that best fits your travel lifestyle.
Do you have a preferred airline?
The first step in choosing an airline credit card is to determine if you have a preferred airline. Airline credit cards are designed to offer the best earning rates and benefits for specific airlines and their partners. If you consistently fly with the same airline because you live in a hub city, are working towards elite status, or simply prefer that airline, then an airline credit card can be a great fit for you.
Start by looking at your flight history over the past year to see which airline you fly with most often. If your flights vary and you prioritize getting the cheapest fare regardless of the airline, you may want to consider a travel credit card with more flexible reward options instead.
What’s your credit score?
Airline credit cards fall within the travel credit card category, which typically requires a good to excellent credit score (690 or higher). While you may be approved for an airline credit card with a lower score, your options may be more limited. It’s important to check your credit score before applying for an airline credit card to ensure that you meet the eligibility requirements.
Do you check bags?
One of the key benefits of airline credit cards is the ability to check one or two bags for free, depending on the card. This can save you up to $40 per bag per flight, which can add up significantly if you check bags frequently. If you often check bags when flying, then an airline credit card with this perk can help you save money on baggage fees.
Consider how often you check bags and whether this benefit aligns with your travel habits when choosing an airline credit card. Some cards may offer additional baggage benefits, such as priority baggage handling or waived oversize/overweight fees, so be sure to compare the options available.
How much will you spend on the card?
Understanding your spending habits can help you choose the right airline credit card. All airline credit cards allow you to earn miles for the airline’s frequent flyer program based on your spending. If you are a high spender, you may benefit from a card that offers bonus points or elite status qualification based on your spending levels.
Take a look at the earning rates and benefits offered by different airline credit cards to see which aligns with your spending habits. Some cards may offer additional perks for high spenders, such as companion certificates, travel credits, or elite status qualification, so consider these factors when making your decision.
What are the card benefits?
In addition to earning miles, airline credit cards offer a range of benefits that can enhance your travel experience. These benefits may include priority boarding, airport lounge access, complimentary upgrades, statement credits, and travel protections. Consider which benefits are most important to you and prioritize them when choosing an airline credit card.
If you value premium perks and are willing to pay a higher annual fee, then a premium airline credit card with additional benefits may be the right choice for you. However, if you are looking for a basic card with no annual fee and essential benefits like free checked bags, then a no-frills airline credit card may be more suitable.
Should I use an airline card for everyday spending?
While airline credit cards are great for earning miles with a specific airline, they may not always be the best option for everyday spending. Some airline credit cards offer limited benefits for everyday purchases, such as lower earning rates or lack of purchase protections. If you are looking to maximize your rewards and benefits, then consider using a travel credit card with more flexible rewards for everyday spending.
Compare the earning rates and benefits of airline credit cards with other travel credit cards to see which offers the best value for your spending. If you prioritize earning transferable points that can be used with multiple airlines and partners, then a travel credit card may be a better fit for your everyday purchases.
Final thoughts
Choosing the right airline credit card requires careful consideration of your travel habits, spending levels, and preferences. By asking yourself these questions and evaluating the factors discussed in this article, you can find an airline credit card that aligns with your needs and helps you maximize your rewards and benefits. Take the time to research and compare different airline credit cards to find the one that best fits your travel lifestyle and enhances your overall travel experience.