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Credit Cards - Co-Branded Airline Cards
Co-branded airline credit cards offer exclusive benefits for frequent flyers, including loyalty rewards, free checked bags, priority boarding, and lounge access. This page highlights key features, fees, and perks to help you compare options and find the card that best aligns with your preferred airline and travel goals.
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Last Updated: December 31, 2024
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Credit cards can be a helpful financial tool, but they should be used with caution and responsibility. Carrying a balance can lead to high-interest charges, and overspending may result in unmanageable debt. Always aim to pay your balance in full each month to avoid interest, and spend only what you can afford to repay. Be mindful of your credit limit, as maxing out your card can negatively impact your credit score. Regularly monitor your statements to track spending and identify any unauthorized transactions. Remember, the benefits of credit cards, such as rewards or cash back, should never encourage unnecessary spending. Use credit cards wisely to maintain financial stability and avoid costly mistakes.
United Quest℠ Card
Fees:
- Annual Fee: $250
- Foreign Transaction Fee: None
APR:
- Variable APR: 21.24%–28.24%
Offer:
- Sign-Up Bonus: 70,000 bonus miles + 500 Premier qualifying points (PQP) after spending $4,000 in the first 3 months.
- Additional Bonus: 5,000 bonus miles when adding an authorized user within the first 3 months.
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Travel Credit: Receive $125 annual United purchase credit for travel expenses.
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Checked Bags Perk: Free first and second checked bags for the primary cardmember and a companion, saving up to $360 per roundtrip.
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Priority Travel Benefits: Priority boarding, TSA PreCheck®, and Global Entry fee credits.
- Earn up to 8x miles on United purchases.
- 4x miles on hotel stays booked through United Hotels.
- 3x miles on all other United purchases.
- 2x miles on other travel, dining, and streaming services.
- 1x mile on all other purchases.
- 25% back on United in-flight food, beverage, and Wi-Fi purchases.
- No blackout dates and miles never expire.
- Exclusive benefits at Renowned Hotels and Resorts.
- MileagePlus miles can be redeemed for flights, hotels, car rentals, and more.
The United Quest℠ Card is a premium travel rewards credit card designed for frequent United Airlines travelers. It features a lucrative rewards structure with up to 8x miles on United purchases and 2x miles on general travel, dining, and streaming services. Cardholders enjoy perks like a $125 annual United travel credit, two free checked bags per trip, and complimentary priority boarding. The card also offers up to 10,000 miles in award flight credits annually and reimburses TSA PreCheck® or Global Entry application fees. With no foreign transaction fees and benefits for hotel stays through United partnerships, this card is well-suited for those who prioritize United Airlines for their travel.
- Generous rewards rates for United purchases and travel.
- Substantial sign-up bonus with additional perks for adding an authorized user.
- $125 annual United credit offsets the annual fee.
- Free checked bags for primary cardmember and companion.
- No foreign transaction fees.
- Priority boarding and access to TSA PreCheck®/Global Entry credits.
- High annual fee of $250.
- Limited rewards outside of United and travel-related categories.
- Requires significant spending to maximize rewards.
View Terms & Conditions
Citi® / AAdvantage® Business World Elite Mastercard®
Fees:
- Annual Fee: $0 for the first year, then $99
- Foreign Transaction Fee: None
- Cash Advance Fee: $10 or 5% of the cash advance amount, whichever is greater
APR:
- Purchases: 20.24% – 29.24% variable
- Cash Advances: 29.49% variable
- Penalty APR: Up to 29.99% (applies for late or returned payments)
Offer:
- Sign-Up Bonus: Earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months.
- Introductory Annual Fee: $0 for the first year.
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Earning Miles: Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, gas stations, car rentals, and telecommunications merchants. Earn 1 mile per $1 on other purchases.
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Travel Perks: Free first checked bag for you and up to 4 companions on the same reservation, saving up to $400 per round trip.
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Companion Certificate: Earn a companion certificate for domestic travel after spending $30,000 or more in a membership year, with a $99 ticketing fee and applicable taxes.
- Earn Loyalty Points: 1 point per $1 spent on purchases to achieve AAdvantage® status.
- Preferred boarding on American Airlines flights.
- Save 25% on inflight Wi-Fi, food, and beverage purchases.
- No foreign transaction fees for international spending.
- Access online business tools for tracking expenses and managing accounts.
- Special Mastercard offers for business solutions.
The Citi® / AAdvantage® Business World Elite Mastercard® is designed for small business owners seeking to earn travel rewards while enjoying premium travel perks. Cardholders can earn 2 miles per dollar spent on American Airlines purchases, gas stations, car rentals, and telecommunications expenses, and 1 mile per dollar on other purchases. Benefits include a free checked bag for up to 5 travelers on the same itinerary, preferred boarding, and savings on inflight purchases. Additionally, spending $30,000 annually earns a domestic travel companion certificate. The first year’s $99 annual fee is waived, and no foreign transaction fees make this card suitable for frequent international travelers.
- Generous sign-up bonus of 75,000 miles.
- $0 annual fee for the first year.
- Travel perks like free checked bags and preferred boarding.
- No foreign transaction fees.
- Companion certificate benefit for high spenders.
- Earn miles on a variety of business-related purchases.
- $99 annual fee after the first year.
- High spending threshold for earning the companion certificate.
- Limited bonus earning categories beyond travel-related expenses.
View Terms & Conditions
United℠ Explorer Card
Fees:
- Annual Fee: $0 for the first year, then $95
- Foreign Transaction Fee: None
APR:
- Variable APR: 21.24%–28.24%
Offer:
- Sign-Up Bonus: Earn 60,000 bonus miles after spending $3,000 in the first 3 months.
- Additional Bonus: Earn 5,000 bonus miles for adding an authorized user within the first 3 months.
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Free Checked Bag: Enjoy a free first checked bag for the primary cardmember and one companion, saving up to $160 per roundtrip.
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United Club Access: Receive two one-time United Club passes annually, offering over $100 in value with access to premium lounges.
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Travel Benefits: Priority boarding and up to $120 in statement credits for Global Entry, TSA PreCheck®, or NEXUS every four years.
- Earn up to 7x miles on United flights, combining MileagePlus membership and card benefits.
- 2x miles on United purchases, dining, and hotel stays.
- 1x mile on all other purchases.
- 25% back on in-flight food, beverage, and Wi-Fi purchases.
- No foreign transaction fees for international spending.
- Priority boarding on United-operated flights.
- Access to statement credits for Global Entry, TSA PreCheck®, or NEXUS application fees.
The United℠ Explorer Card offers a robust rewards program tailored for United Airlines travelers, with up to 7x miles on United purchases and 2x miles on dining and hotel stays. New cardmembers can earn a sign-up bonus of 60,000 miles after meeting the initial spending requirement, plus an additional 5,000 miles for adding an authorized user. The card includes travel perks such as a free checked bag for you and a companion, two annual United Club passes, and priority boarding. With no foreign transaction fees and up to $120 in credits for trusted traveler programs, this card is ideal for frequent domestic and international travelers. The annual fee is $0 for the first year, then $95.
- Generous rewards structure with up to 7x miles on United purchases.
- Substantial sign-up bonus with additional authorized user bonus.
- Free first checked bag for cardholder and companion.
- Two complimentary United Club passes annually.
- Priority boarding and TSA PreCheck®/Global Entry credits.
- No foreign transaction fees.
- $95 annual fee after the first year.
- Limited rewards categories outside travel, dining, and hotels.
- Best benefits tailored to United Airlines loyalists.
View Terms & Conditions
Delta SkyMiles® Blue American Express Card
Fees:
- Annual Fee: None
- Foreign Transaction Fee: None
APR:
- Variable APR: 19.99% to 28.99% on purchases
Offer:
- Sign-Up Bonus: Earn 10,000 bonus miles after spending $1,000 on purchases in the first 6 months.
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2x Miles on Dining and Delta Purchases: Earn 2 miles per dollar spent on dining, including takeout and delivery, and on purchases made directly with Delta.
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Pay with Miles: Use miles to reduce the cost of Delta flights, with 5,000 miles redeemable for up to $50 in travel credit.
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20% Back on In-Flight Purchases: Get 20% savings as a statement credit for eligible in-flight food and beverage purchases.
- Earn 2x miles on dining and Delta purchases.
- Earn 1x mile on all other purchases.
- No foreign transaction fees for international spending.
- 20% statement credit for in-flight purchases on Delta flights.
- Car rental loss and damage insurance when using the card for rentals.
- Global Assist® Hotline provides 24/7 emergency travel assistance when 100+ miles from home.
- Access to exclusive Amex entertainment events, ticket presales, and unique experiences.
- Split purchases and send money easily through Send & Split® with Venmo and PayPal.
The Delta SkyMiles® Blue American Express Card is a no-annual-fee travel card that offers rewards tailored for Delta Air Lines customers and dining enthusiasts. Cardholders earn 2x miles on Delta purchases and U.S. dining, and 1x mile on other purchases. Additional benefits include 20% in-flight purchase savings, no foreign transaction fees, and flexibility to use miles to reduce flight costs through the Pay with Miles program. The card also offers perks like car rental loss insurance and 24/7 travel assistance through the Global Assist® Hotline, making it a cost-effective option for occasional travelers and Delta loyalists.
- No annual fee.
- Generous rewards on Delta purchases and dining.
- 20% savings on in-flight purchases.
- No foreign transaction fees for international travel.
- Flexibility to reduce flight costs with miles through Pay with Miles.
- Access to exclusive events and entertainment perks.
- Limited travel perks compared to higher-tier Delta cards.
- Lower sign-up bonus compared to premium travel cards.
- No free checked bags or priority boarding benefits.
View Terms & Conditions
Alaska Airlines Visa Signature® Credit Card
Fees:
- Annual Fee: $95
- Foreign Transaction Fee: None
APR:
- Purchases and Balance Transfers: 20.49% to 28.49% variable, based on creditworthiness.
Offer:
- Sign-Up Bonus: Earn 70,000 bonus miles plus Alaska’s $99 Companion Fare (plus taxes and fees starting at $23) after qualifying purchases.
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Companion Fare Benefit: Annually, receive Alaska Airlines’ Famous Companion Fare™ to fly with a friend for $99 plus taxes and fees.
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Bonus Miles on Purchases: Earn 3 miles per $1 spent on Alaska Airlines purchases and 2 miles per $1 spent on gas, transit, rideshares, streaming services, and more.
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Additional Perks: Priority boarding, 20% back on inflight purchases, and $100 off an Alaska Lounge+ Membership when paid with the card.
- Earn 3 miles per $1 on Alaska Airlines purchases, including inflight food and beverages.
- Earn 2 miles per $1 on gas, EV charging stations, transit, rideshares, and select streaming services.
- Annual $99 Companion Fare (plus taxes and fees from $23).
- Priority boarding for faster seating.
- 20% savings on inflight purchases.
- 10% rewards bonus on miles earned if linked to an eligible Bank of America® account.
- $100 off Alaska Lounge+ Membership when paid with the card.
- No foreign transaction fees for international spending.
The Alaska Airlines Visa Signature® Credit Card is tailored for travelers who frequently fly with Alaska Airlines. With a sign-up bonus of 70,000 miles and the opportunity to earn Alaska’s Famous Companion Fare™ annually for $99 plus taxes and fees, this card offers great value for airline loyalty. Cardholders earn 3 miles per dollar spent on Alaska Airlines purchases and 2 miles per dollar on gas, transit, streaming services, and more. Travel perks include priority boarding, 20% back on inflight purchases, and no foreign transaction fees. A $100 discount on Alaska Lounge+ Membership further enhances the travel experience. The $95 annual fee is offset by these valuable benefits, making the card suitable for Alaska Airlines enthusiasts.
- Generous sign-up bonus of 70,000 miles plus $99 Companion Fare.
- High earning rates for Alaska Airlines and everyday purchases.
- Priority boarding and inflight purchase savings.
- No foreign transaction fees for international spending.
- 10% rewards bonus for eligible Bank of America® account holders.
- $95 annual fee.
- Limited travel benefits outside of Alaska Airlines flights.
- No TSA PreCheck® or Global Entry credits included.
View Terms & Conditions
United℠ Business Card
Fees:
- Annual Fee: $0 for the first year, then $99
- Foreign Transaction Fee: None
APR:
- Variable APR: 21.24%–28.24%
Offer:
- Sign-Up Bonus: Earn 75,000 bonus miles after spending $5,000 in the first 3 months.
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Rewards on Business Spending: Earn 2x miles on United purchases, dining, gas stations, office supply stores, and local transit, plus 1x miles on other purchases.
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Travel Benefits: Free first checked bag for the primary cardholder and one companion, saving up to $160 per round trip.
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United Club Access: Receive two one-time United Club passes annually, valued at over $100.
- Earn up to 7x miles on United flights, combining MileagePlus membership and card benefits.
- Earn 2x miles on gas, dining, transit, and office supplies.
- $100 United travel credit after seven $100+ flight purchases per anniversary year.
- Free first checked bag for you and a companion.
- Priority boarding for cardholder and companions.
- 5,000 anniversary bonus miles when you hold both the United Business Card and a personal United credit card.
- 25% back on United in-flight food, beverage, and premium Club drink purchases.
- No foreign transaction fees.
The United℠ Business Card is ideal for small business owners who frequently fly with United Airlines. The card offers a generous 75,000-mile sign-up bonus and valuable rewards on business-related spending, including 2x miles on United purchases, dining, gas, office supply stores, and local transit. Travel perks include a free checked bag for you and a companion, priority boarding, and two United Club passes each year. Cardholders also earn a $100 United travel credit annually after meeting specific spending criteria and enjoy no foreign transaction fees. The first year’s annual fee is waived, and subsequent years incur a $99 fee.
- Generous sign-up bonus of 75,000 miles.
- High earning rates for travel and business-related purchases.
- Free checked bag for cardholder and companion.
- Priority boarding and annual United travel credit.
- Two complimentary United Club passes annually.
- No foreign transaction fees.
- $99 annual fee after the first year.
- Best benefits are limited to United Airlines flights.
- Spending threshold for travel credit may not suit occasional travelers.
View Terms & Conditions
Citi® / AAdvantage® Executive World Elite Mastercard®
Fees:
- Annual Fee: $595
- Authorized User Fee: $175 for up to 3 users, $175 per additional user
- Foreign Transaction Fee: None
- Cash Advance Fee: $10 or 5% of the cash advance amount, whichever is greater
- Balance Transfer Fee: $5 or 5% of the amount, whichever is greater
APR:
- Purchases and Balance Transfers: 20.24% to 29.24% variable
- Cash Advances: 29.49% variable
- Penalty APR: Up to 29.99%
Offer:
- Sign-Up Bonus: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 in the first 3 months.
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Admirals Club® Membership: Complimentary membership for the primary cardholder, valued at up to $850, providing access to premium airport lounges.
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Travel Perks: Free first checked bag for the cardholder and up to 8 companions, and enhanced airport experience with priority check-in, screening, and boarding.
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Additional Credits: Up to $120 annually in credits for Lyft, Grubhub purchases, and Avis/Budget car rentals.
- Earn 4 AAdvantage® miles per $1 spent on American Airlines purchases.
- Earn 10 miles per $1 on eligible hotel and car rental bookings through partner sites.
- 1 AAdvantage® mile per $1 on all other purchases.
- 25% savings on inflight food and beverage purchases on American Airlines flights.
- Global Entry or TSA PreCheck® fee credit (up to $120 every 4 years).
- Travel protection benefits, including trip cancellation and delay protection.
- No foreign transaction fees for international purchases.
- Dedicated concierge for travel, dining, and entertainment assistance.
The Citi® / AAdvantage® Executive World Elite Mastercard® is designed for frequent American Airlines travelers seeking premium perks and rewards. Cardholders receive complimentary Admirals Club® membership, providing access to over 50 airport lounges worldwide. The card offers a generous rewards structure, including 4 miles per dollar spent on American Airlines purchases and bonus earning opportunities on hotels and car rentals. Benefits include travel credits for Lyft, Grubhub, and car rentals, plus 25% savings on inflight purchases. With no foreign transaction fees, TSA PreCheck®/Global Entry fee credits, and extensive travel protection, this card caters to those prioritizing luxury travel and convenience. A $595 annual fee applies.
- Complimentary Admirals Club® membership, valued up to $850.
- Generous sign-up bonus of 70,000 miles.
- Strong rewards structure for American Airlines purchases.
- Travel perks like free checked bags and priority boarding for up to 9 travelers.
- Annual credits for Lyft, Grubhub, and car rentals.
- Comprehensive travel protections and concierge services.
- No foreign transaction fees.
- High annual fee of $595.
- Additional fee for authorized users.
- Spending requirement of $7,000 for the sign-up bonus may be steep for some.
- Best benefits tailored specifically to American Airlines travelers.
View Terms & Conditions
Delta SkyMiles® Gold American Express Card
Fees:
- Annual Fee: $0 for the first year, then $150
- Foreign Transaction Fee: None
APR:
- Purchases: 19.99% to 28.99% variable
- Cash Advances: 29.49% variable
Offer:
- Sign-Up Bonus: Up to 80,000 bonus miles after spending $2,000 within the first 6 months.
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First Checked Bag Free: Save up to $70 per round trip per person (up to $280 for a family of four) on Delta flights.
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Travel Credits: Earn a $200 Delta flight credit after spending $10,000 in a calendar year.
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Bonus Miles: Earn 2x miles on Delta purchases, dining, and U.S. supermarkets, and 1x miles on all other purchases.
- Earn 2x miles on Delta purchases, dining, and groceries at U.S. supermarkets.
- Earn 1x mile on all other purchases.
- Save 15% on Award Travel with miles through the TakeOff 15 program on Delta flights.
- Receive a $200 Delta flight credit after $10,000 in purchases annually.
- Get a $100 Delta Stays credit for prepaid hotels or vacation rentals booked through Delta.
- 20% back as a statement credit on in-flight purchases of food and beverages.
- No foreign transaction fees.
- Baggage Insurance Plan for lost, stolen, or damaged baggage.
- Car rental loss and damage insurance when the card is used for the rental.
The Delta SkyMiles® Gold American Express Card is tailored for travelers who frequently fly Delta Airlines and seek to maximize their rewards. Cardholders can earn up to 80,000 bonus miles with an introductory offer and earn 2x miles on Delta purchases, dining, and U.S. supermarkets. Key travel benefits include a free checked bag on Delta flights, 15% savings on Award Travel via the TakeOff 15 program, and an annual $200 Delta flight credit after $10,000 in spending. Additional perks like no foreign transaction fees, baggage insurance, and 20% back on in-flight purchases enhance the card’s value. The annual fee is waived for the first year and $150 thereafter.
- Generous sign-up bonus of up to 80,000 miles.
- Free first checked bag for cardholder and companions.
- Bonus miles on dining, Delta purchases, and groceries.
- Annual travel credits like the $200 Delta flight credit and $100 Delta Stays credit.
- 15% savings on Award Travel.
- No foreign transaction fees.
- $150 annual fee after the first year.
- $10,000 spending requirement to earn the $200 Delta flight credit.
- Limited benefits for non-Delta travelers.
View Terms & Conditions
Frequently Asked Questions
A travel credit card offers rewards like points or miles for travel-related purchases. These rewards can be redeemed for flights, hotel stays, and more, often with added perks like no foreign transaction fees or lounge access.
Airline co-branded credit cards are issued in partnership with specific airlines, offering rewards like frequent flyer miles, discounts, and exclusive benefits when you fly with that airline. These cards often provide bonuses, priority boarding, and free checked bags.
- Delta SkyMiles® Gold American Express Card: Offers 2x miles on Delta purchases and restaurants, free first checked bag, and no foreign transaction fees.
- United Explorer Card: Offers 2x miles on United purchases, dining, and hotels, plus perks like priority boarding and two United Club passes annually.
Key benefits include earning miles for every purchase, exclusive airline perks (such as free checked bags and priority boarding), and access to higher-tier reward redemption options. Some cards also offer airport lounge access or companion passes, making them valuable for frequent travelers.
Co-branded airline credit cards typically earn miles that can only be used with a specific airline and its partners, while general travel cards earn flexible points that can be transferred or redeemed across multiple airlines and hotels. Co-branded cards may offer better airline-specific perks, like upgraded seating.
Most co-branded airline cards limit rewards to the specific airline and its partners, but some allow you to use miles for other travel-related expenses like car rentals or hotel stays. However, redeeming miles for flights often provides the best value.
Many co-branded airline credit cards charge an annual fee, which can range from moderate to high, depending on the perks offered. For example, the Delta SkyMiles® Platinum American Express Card has a higher annual fee but offers additional benefits like annual companion passes. Always weigh the benefits against the fee to determine if it’s worth it for your travel needs.
If you don’t travel often, a general travel card with broader redemption options may be more suitable. Airline co-branded cards are ideal for frequent travelers who can take full advantage of the specific airline perks like free bags and priority boarding.
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How does the United Explorer Card compare to other airline cards?
When comparing the United℠ Explorer Card to other airline credit cards, several factors come into play, including rewards structure, travel perks, fees, and overall value. Here’s how it stacks up:
Rewards Structure
The United Explorer Card offers a competitive rewards program:
- 2x miles on United purchases, dining, and hotel stays.
- 1x miles on all other purchases. Compared to other airline cards, such as the Delta SkyMiles® Blue American Express Card or the Citi® / AAdvantage® Executive World Elite Mastercard®, the United Explorer Card strikes a balance between everyday rewards and travel-specific benefits. While some airline cards might focus more heavily on specific spending categories, the United Explorer Card’s combination of dining and hotel rewards makes it versatile for frequent travelers and those who dine out often.
Travel Perks
One of the standout features of the United Explorer Card is the travel benefits:
- First checked bag free for the cardholder and one companion, potentially saving up to $320 on round-trip flights per year.
- Priority boarding for the cardholder and companions.
- Two United Club℠ passes per year, valued at over $100. These benefits are in line with premium travel cards like the Citi® / AAdvantage® Executive World Elite Mastercard®, which also offers free checked bags and lounge access. However, the Explorer Card offers these perks with a lower annual fee, making it a cost-effective option for frequent United travelers.
Fees
The United Explorer Card offers a $0 annual fee for the first year, then $95 annually. This makes it more affordable than premium airline cards like the Citi® / AAdvantage® Executive World Elite Mastercard®, which charges a hefty $595 annual fee but includes unlimited Admirals Club access. For travelers who prefer United Airlines and want similar perks without the high annual cost, the United Explorer Card is an excellent option.
APR and Sign-Up Bonus
With a variable APR ranging from 21.49% to 28.49%, the United Explorer Card is comparable to other airline cards in terms of interest rates. Its sign-up offer of 50,000 bonus miles after spending $3,000 in the first 3 months is competitive, offering significant value for new cardholders. This bonus compares favorably to cards like the Southwest® Rapid Rewards® Priority Credit Card, which offers 50,000 points but with different redemption values based on Southwest’s program.
APR (Annual Percentage Rate) is the annual interest rate charged on unpaid credit card balances. It represents the cost of borrowing on your card if you don’t pay off the full balance each month. APR varies by card and can include different rates for purchases, cash advances, and balance transfers.
A balance transfer fee is charged when you move debt from one card to another. Typically, it’s a percentage of the transferred amount, often around 3-5%. Balance transfer cards can help you pay off debt at lower interest rates, but be sure to factor in this fee.
Is the Southwest Rapid Rewards® Premier Credit Card worth the fee?
The Southwest Rapid Rewards® Premier Credit Card has an annual fee of $99, which might prompt potential cardholders to ask whether the card’s benefits justify the cost. Let’s take a closer look at the features, perks, and potential value to determine whether the card is worth its annual fee:
Annual Fee and Travel Credit
The $99 annual fee is mid-range compared to other travel rewards credit cards, especially those tied to airlines. While it doesn’t offer an annual travel credit like the more premium Southwest® Rapid Rewards® Priority Credit Card, the perks that come with the Premier version can still provide considerable value, particularly for frequent Southwest Airlines travelers.
Earning Miles
With the Southwest Premier Credit Card, you earn:
- 3x points per $1 on Southwest purchases.
- 2x points per $1 on hotel and car rental partners.
- 1x point per $1 on all other purchases.
These earning rates are competitive for a card in this category. If you frequently fly Southwest or spend regularly on hotels and car rentals through their partners, you can rack up points relatively quickly. When compared to the value of Southwest’s points (typically valued at 1.3 to 1.5 cents per point), the rewards you accumulate can easily offset the card’s annual fee, especially if you book frequent flights.
Anniversary Points
A significant feature that helps offset the annual fee is the 6,000 anniversary points you earn every year. If you value Southwest points at 1.5 cents each, these anniversary points are worth approximately $90—almost covering the card’s annual fee on their own.
Companion Pass® Qualification
One of the most appealing aspects of the Southwest Rapid Rewards program is the Companion Pass®, which allows you to bring a companion for free (plus taxes and fees) on any Southwest flight. Points earned through the Premier Credit Card count toward Companion Pass qualification. By regularly using the card, you can get closer to earning this highly valuable benefit, which can easily outweigh the card’s annual fee many times over.
Travel Perks
The card includes additional travel perks that can provide value:
- 2 EarlyBird Check-Ins per year, allowing you to board earlier and get better seat selection.
- No Foreign Transaction Fees, making it a great option for international travelers.
- Lost luggage reimbursement and baggage delay insurance, which can offer peace of mind on your travels.
While these perks may not offer the luxury lounge access or premium boarding found in more expensive cards, they do enhance your Southwest travel experience and add real value for frequent flyers.
Sign-Up Bonus
The sign-up bonus is another key factor in determining whether the Southwest Premier Card is worth it. The card often offers significant bonuses, such as 50,000 points after spending $1,000 in the first 3 months. Depending on the current offer, this bonus alone could be worth up to $750 toward Southwest flights, which more than compensates for the annual fee in the first year.
When It’s Worth the Fee
The Southwest Premier Credit Card is worth the fee if:
- You fly with Southwest Airlines regularly and can take advantage of the 3x points and anniversary points.
- You aim to qualify for the Companion Pass, and this card’s points help you reach that goal faster.
- You value having no foreign transaction fees, EarlyBird Check-Ins, and trip insurance benefits that can protect your travel plans.
When It Might Not Be Worth It
The card may not be the best fit if:
- You don’t fly Southwest frequently enough to take full advantage of the rewards and travel perks.
- You prefer other airlines that offer a wider range of destinations or travel classes.
- You’re looking for more premium benefits, such as lounge access or higher rewards on general purchases, which are offered by more expensive cards.
Why Choose an Airline Credit Card?
Airline credit cards offer several advantages over general travel cards. The primary draw is the opportunity to earn miles for your preferred frequent flyer program, which can be redeemed for free flights, seat upgrades, and more. These cards often come with airline-specific perks like free checked bags, priority boarding, and discounts on in-flight purchases, making them especially valuable for those who fly regularly with a particular airline.
Top Pick Contender: The United℠ Explorer Card
The United℠ Explorer Card is a popular option among travelers, and a potential top-pick contender. Here’s why:
1. Comprehensive Travel Perks
The United Explorer Card offers an impressive balance of rewards and travel perks, providing real value whether you’re a frequent or occasional traveler. For example, the first checked bag free for both the cardholder and a companion can save up to $140 per round-trip. This perk alone can easily offset the card’s $95 annual fee after the first year, especially for families or those who frequently check luggage.
By comparison, while other cards like the Delta SkyMiles® Gold American Express Card also offer a free checked bag, the United Explorer Card extends this benefit to both the primary cardholder and one companion—a key differentiator that maximizes savings.
2. Flexible Mileage Earning and Redemption
With the United Explorer Card, you earn:
- 2x miles on United purchases, dining, and hotel stays.
- 1x mile on all other purchases.
These rewards are versatile enough for frequent travelers, as you’ll accumulate miles quickly on both travel-related expenses and everyday purchases. In contrast, the Delta SkyMiles® Blue American Express Card only offers 2x miles on Delta purchases and dining, lacking the hotel or general travel multiplier. This means the United Explorer Card gives you more opportunities to earn rewards in key spending categories.
3. Additional MileagePlus Benefits
One of the standout features of the United Explorer Card is its integration with the MileagePlus program, allowing cardholders to earn Premier Qualifying Points (PQP). For frequent travelers, this helps accelerate your path to elite status with United, unlocking further perks like free upgrades, additional luggage allowances, and priority check-in.
For example, earning 500 PQP through the card’s sign-up offer after spending $4,000 within the first 3 months puts you closer to Premier status. Cards like the Southwest® Rapid Rewards® Priority Credit Card don’t offer a similar fast-track to elite status, limiting their appeal to travelers looking for this added benefit.
4. Award Flight Mileage Rebates
Another unique feature of the United Explorer Card is its award flight rebate. Cardholders receive 5,000 miles back (up to two times per year) when booking award flights on United or United Express-operated flights. This essentially gives you a total of 10,000 miles back per year, adding extra value to your mileage redemptions.
While other airline cards may offer more straightforward miles redemption options, this rebate feature provides a bonus that extends the value of your earned miles and encourages you to keep flying with United.
5. Lounge Access and In-Flight Discounts
Lounge access can make a big difference during long trips. The two United Club℠ one-time passes included with the card are valued at over $100, providing complimentary access to United’s airport lounges. Other cards, such as the Southwest Rapid Rewards Priority Credit Card, do not include any form of lounge access, which limits their appeal for frequent flyers who prioritize comfort at the airport.
The in-flight savings of 25% back on purchases such as food, beverages, and Wi-Fi are another small but valuable perk, allowing you to save money on every flight.
Miles and cashback are two common types of rewards offered by credit cards, but they work in different ways:
- Miles: Airline credit cards, such as the United℠ Explorer Card or Delta SkyMiles® Gold American Express Card, offer miles that can be redeemed for flights, seat upgrades, and other travel-related perks. For example, with the United Explorer Card, you earn 2x miles on United purchases and dining, which can be redeemed for award flights on United Airlines or partner airlines. These miles are ideal for travelers looking to reduce the cost of flights or enjoy travel perks.
- Cashback: Cashback cards, on the other hand, reward you with a percentage of your spending back as cash. This cash can typically be redeemed as a statement credit, bank deposit, or even gift cards. Cashback is often more flexible, as it isn’t tied to specific airlines or redemption options.
Ultimately, if you travel frequently and are loyal to a specific airline, a miles-earning card may provide more value in terms of free flights and travel perks. However, if you prefer more flexibility, a cashback card might be a better fit.
Whether the travel perks of an airline credit card are worth the annual fee depends on how frequently you travel and take advantage of the card’s benefits. Many airline cards, despite having annual fees, offer perks that can easily offset those costs.
For example:
- The United℠ Explorer Card has an annual fee of $95 (waived for the first year), but the first checked bag free for the cardholder and one companion can save up to $140 per round-trip. If you fly United a few times a year, the savings on baggage fees alone can outweigh the annual fee.
- Similarly, the Delta SkyMiles® Gold American Express Card offers a free checked bag, priority boarding, and 20% in-flight savings, all for an annual fee of $150 (waived in the first year). For frequent Delta flyers, these perks add real value and can easily offset the cost of the card.
In general, if you fly regularly with a specific airline and take full advantage of the card’s travel benefits, the perks can more than justify the annual fee. However, if you don’t fly often, a no-annual-fee card may be a better fit.
Maximizing Your Airline Credit Card Rewards
Airline credit cards offer more than just the ability to earn miles for free flights—they can help you unlock a range of valuable travel perks and rewards. To make the most of your airline credit card, you’ll need to be strategic about how you earn and redeem your miles.
1. Choose a Card That Matches Your Spending Habits
To maximize rewards, it’s important to choose an airline credit card that aligns with your spending patterns. Some cards offer higher rewards on specific categories like travel or dining, while others provide more general rewards.
- Example: The Delta SkyMiles® Gold American Express Card offers 2x miles on dining, 2x miles on U.S. supermarkets, and 2x miles on Delta purchases. If you frequently dine out or buy groceries, this card allows you to double your miles on everyday purchases while still earning rewards for your flights. For someone who regularly spends in these categories, the extra miles can accumulate quickly, leading to faster redemptions for free flights or seat upgrades.
If you tend to spend more on travel in general, rather than just flights with a specific airline, a card like the United℠ Explorer Card might be a better fit. It offers 2x miles not only on United purchases but also on hotel stays and dining, giving you more opportunities to earn miles outside of your airline purchases.
2. Take Advantage of Sign-Up Bonuses
Many airline credit cards offer large sign-up bonuses that can kick-start your miles balance. To maximize these bonuses, aim to meet the spending requirement within the promotional period (typically the first 3 to 6 months).
- Example: The United℠ Explorer Card currently offers 50,000 bonus miles after spending $3,000 within the first 3 months of account opening. This is a significant amount of miles, often worth enough for a round-trip domestic flight. By strategically using the card for large purchases or recurring expenses during this time, you can easily meet the spending requirement and enjoy the free flight.
Similarly, the Southwest® Rapid Rewards® Priority Credit Card offers 50,000 bonus points after spending $1,000 in the first 3 months. Those points can go a long way toward booking a free flight, especially since Southwest offers flexible redemption options with no blackout dates.
3. Use Your Card for Airline-Related Purchases
Most airline credit cards offer elevated miles for purchases made directly with the airline. To maximize this, always use your airline card when booking flights, purchasing seat upgrades, or making in-flight purchases.
- Example: The Delta SkyMiles® Gold American Express Card earns 2x miles on purchases made directly with Delta. If you frequently fly with Delta and regularly upgrade your seat or purchase in-flight snacks, those 2x miles can add up quickly. For instance, if you spend $1,000 a year on Delta flights and in-flight purchases, you’d earn 2,000 miles just from those transactions—on top of any miles earned from the flight itself.
Similarly, with the United℠ Explorer Card, you can earn 2x miles on United flights, seat upgrades, and other travel-related purchases, which boosts your mileage accumulation every time you fly.
4. Redeem Miles Strategically
How you redeem your miles can make a big difference in the value you get from your airline credit card. Be strategic about using your miles for high-value redemptions, such as international flights or upgrades, rather than small or low-value bookings.
- Example: Let’s say you’ve earned 50,000 miles with the United℠ Explorer Card. You could redeem those miles for a round-trip domestic flight, which might typically cost 25,000-30,000 miles, leaving you with leftover miles. However, if you save your miles for an international trip, where award flights tend to have higher cash prices, you could get much more value from your miles. For instance, a round-trip flight to Europe might cost around 60,000 miles, but the cash price could be $1,000 or more, offering a significantly better value per mile.
If you’re a Southwest® Rapid Rewards® Priority Credit Card holder, you can take advantage of Southwest’s Companion Pass if you earn enough points in a year. This benefit allows you to bring a companion for free on any flight you book with Southwest, dramatically increasing the value of your points and overall travel savings.
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Summary
Airline Credit Cards in the USA.
United Quest℠ Card
The United Quest℠ Card is a premium travel rewards credit card designed for frequent United Airlines travelers. It features a lucrative rewards structure with up to 8x miles on United purchases and 2x miles on general travel, dining, and streaming services. Cardholders enjoy perks like a $125 annual United travel credit, two free checked bags per trip, and complimentary priority boarding. The card also offers up to 10,000 miles in award flight credits annually and reimburses TSA PreCheck® or Global Entry application fees. With no foreign transaction fees and benefits for hotel stays through United partnerships, this card is well-suited for those who prioritize United Airlines for their travel.
Citi® / AAdvantage® Business World Elite Mastercard®
The Citi® / AAdvantage® Business World Elite Mastercard® is designed for small business owners seeking to earn travel rewards while enjoying premium travel perks. Cardholders can earn 2 miles per dollar spent on American Airlines purchases, gas stations, car rentals, and telecommunications expenses, and 1 mile per dollar on other purchases. Benefits include a free checked bag for up to 5 travelers on the same itinerary, preferred boarding, and savings on inflight purchases. Additionally, spending $30,000 annually earns a domestic travel companion certificate. The first year’s $99 annual fee is waived, and no foreign transaction fees make this card suitable for frequent international travelers.
United℠ Explorer Card
The United℠ Explorer Card offers a robust rewards program tailored for United Airlines travelers, with up to 7x miles on United purchases and 2x miles on dining and hotel stays. New cardmembers can earn a sign-up bonus of 60,000 miles after meeting the initial spending requirement, plus an additional 5,000 miles for adding an authorized user. The card includes travel perks such as a free checked bag for you and a companion, two annual United Club passes, and priority boarding. With no foreign transaction fees and up to $120 in credits for trusted traveler programs, this card is ideal for frequent domestic and international travelers. The annual fee is $0 for the first year, then $95.
Delta SkyMiles® Blue American Express Card
The Delta SkyMiles® Blue American Express Card is a no-annual-fee travel card that offers rewards tailored for Delta Air Lines customers and dining enthusiasts. Cardholders earn 2x miles on Delta purchases and U.S. dining, and 1x mile on other purchases. Additional benefits include 20% in-flight purchase savings, no foreign transaction fees, and flexibility to use miles to reduce flight costs through the Pay with Miles program. The card also offers perks like car rental loss insurance and 24/7 travel assistance through the Global Assist® Hotline, making it a cost-effective option for occasional travelers and Delta loyalists.
Alaska Airlines Visa Signature® Credit Card
The Alaska Airlines Visa Signature® Credit Card is tailored for travelers who frequently fly with Alaska Airlines. With a sign-up bonus of 70,000 miles and the opportunity to earn Alaska’s Famous Companion Fare™ annually for $99 plus taxes and fees, this card offers great value for airline loyalty. Cardholders earn 3 miles per dollar spent on Alaska Airlines purchases and 2 miles per dollar on gas, transit, streaming services, and more. Travel perks include priority boarding, 20% back on inflight purchases, and no foreign transaction fees. A $100 discount on Alaska Lounge+ Membership further enhances the travel experience. The $95 annual fee is offset by these valuable benefits, making the card suitable for Alaska Airlines enthusiasts.
United℠ Business Card
The United℠ Business Card is ideal for small business owners who frequently fly with United Airlines. The card offers a generous 75,000-mile sign-up bonus and valuable rewards on business-related spending, including 2x miles on United purchases, dining, gas, office supply stores, and local transit. Travel perks include a free checked bag for you and a companion, priority boarding, and two United Club passes each year. Cardholders also earn a $100 United travel credit annually after meeting specific spending criteria and enjoy no foreign transaction fees. The first year’s annual fee is waived, and subsequent years incur a $99 fee.
Citi® / AAdvantage® Executive World Elite Mastercard®
The Citi® / AAdvantage® Executive World Elite Mastercard® is designed for frequent American Airlines travelers seeking premium perks and rewards. Cardholders receive complimentary Admirals Club® membership, providing access to over 50 airport lounges worldwide. The card offers a generous rewards structure, including 4 miles per dollar spent on American Airlines purchases and bonus earning opportunities on hotels and car rentals. Benefits include travel credits for Lyft, Grubhub, and car rentals, plus 25% savings on inflight purchases. With no foreign transaction fees, TSA PreCheck®/Global Entry fee credits, and extensive travel protection, this card caters to those prioritizing luxury travel and convenience. A $595 annual fee applies.
Responsible Credit Card Usage
While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.