Best Flexible Airline Credit Cards
Best Flexible Rewards Card for Airlines
Chase Sapphire Preferred® Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5x Reward Rate
Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on allRead More
Welcome Bonus
$300 Chase Travel℠ Credit + 60,000 bonus points
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Though Chase offers a few cards that earn transferable points, I appreciate that the Chase Sapphire Preferred® Card keeps the annual fee low without compromising on redemption options.
Why We Like It
This card is equally useful for travelers who want to transfer points to travel partners or those who want to book (with a bonus) through Chase Travel℠ for a more straightforward approach.
What We Don’t Like
Many purchases only earn one point per dollar spent.
Who It’s Best For
Travelers who want to keep their reward options open until they’re ready to book.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
It’s the granddaddy of travel credit cards, but it still earns its reputation as one of the best around with solid bonus categories, strong travel protections, a great set of domestic and international transfer partners and a reasonable annual fee to boot. You can’t go wrong with it as your first travel credit card.
Pros & Cons
- Earn high rewards on several areas of spending
- Transfer points to travel partners at 1:1 rate
- Many travel and shopping protections
- Annual fee
- No intro APR offer
- Best travel earning rates are only for bookings through the Chase Travel℠ portal
Card Details
- Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Premium Travel Rewards Card
Capital One Venture X Rewards Credit Card
On Capital One's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 10X Reward Rate
Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and vacation rentals and 10Read More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$395
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent(750 - 850)
Our Expert Take
If you know you travel often enough that statement credits and bonus miles are as good as cash, the Capital One Venture X Rewards Credit Card almost pays for itself.
Why We Like It
When my brain is on overdrive, I can pull out this card without worrying about bonus categories. The flat-rate rewards mean there’s one less thing to think about.
What We Don’t Like
Capital One Rewards are worth less when redeemed as cash back, so they’re truly best for frequent travelers.
Who It’s Best For
Travelers who want premium perks like airport lounge access and an easy-to-offset annual fee (rates & fees).
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
If you’re looking for lofty perks without a lofty annual fee (rates & fees), the Venture X fits the bill. While other cards with elite benefits run nearly $700 a year, you’ll only pay a little more than half that for the Venture X. And you’ll still get Capital One and Priority Pass airport lounge access for you and your guests, an annual travel credit and solid earnings on everyday purchases.
Pros & Cons
- Annual fee lower than others in its category
- Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
- Miles are easy to earn and easy to use
- Lack of domestic airline and upscale hotel travel partners
- Capital One lounge network in its infancy
- Lack of hotel status benefits
Card Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Premium Rewards Card for Travel Insurance
Chase Sapphire Reserve®
On Chase Bank USA, NA's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 10x Reward Rate
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More
Welcome Bonus
60,000 bonus points
Annual Fee
$550
Regular APR
22.49%-29.49% Variable
Credit Score
Excellent(750 - 850)
Our Expert Take
I love that the list of included travel protections on the Chase Sapphire Reserve® compares favorably with individually paid policies without the separate cost.
Why We Like It
The Reserve’s annual travel credit is one of the easiest to use since it’s automatically applied to qualifying purchases.
What We Don’t Like
To earn the highest rate of rewards on travel, you need to book your trips through Chase Travel℠.
Who It’s Best For
Frequent travelers who want to maximize their reward value on travel redemptions.
Expert Commentary
Lori Zaino
Credit Cards Writer
A credit card enthusiast and avid traveler, Lori has visited more than 60 countries, many of them using credit card points and frequent flyer miles. She has lived in Spain as a freelance writer and editor for around two decades, figuring out the best tips and tricks for using points and miles to live and travel abroad, and writing about it to share her knowledge every step of the way.
Lori Zaino
Lori Zaino
Credit Cards Writer
A credit card enthusiast and avid traveler, Lori has visited more than 60 countries, many of them using credit card points and frequent flyer miles. She has lived in Spain as a freelance writer and editor for around two decades, figuring out the best tips and tricks for using points and miles to live and travel abroad, and writing about it to share her knowledge every step of the way.
Credit Cards Writer
The Chase Sapphire Reserve card is one of the most valuable flexible rewards credit cards thanks to its lucrative bonus categories and easy-to-use travel credit. Cardholders can offset the annual fee and get great value when redeeming Chase Ultimate Rewards points earned on the card, thanks to partnerships with numerous airlines and hotels and its convenient travel booking portal, Chase Travel℠.
Pros & Cons
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase Travel℠
- Points transfer to valuable airline and hotel partners
- High annual fee
- Additional fee for each authorized user
- Excellent credit recommended
Card Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Premium Rewards Card for Lounge Access
The Platinum Card® from American Express
On American Express's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
5X Reward Rate
Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directlyRead More
Welcome Bonus
Earn 80,000 points
Annual Fee
$695
Regular APR
See Pay Over Time APR
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
Travelers get access to a long list of credits and benefits with The Platinum Card® from American Express, including airport lounge access that goes beyond Priority Pass so you can relax in style during your next connection.
Why We Like It
There’s a travel credit or benefit for nearly any scenario.
What We Don’t Like
Many of the statement credit offers have fine print that can make it more inconvenient to earn your credits.
Who It’s Best For
Frequent travelers who want rich travel and lifestyle perks.
Expert Commentary
Ben Nickel-D'Andrea
Credit Cards Writer
Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.
Ben Nickel-D'Andrea
Ben Nickel-D'Andrea
Credit Cards Writer
Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.
Credit Cards Writer
Being an Amex Platinum cardholder grants access to the International Airline Program, which can save you money on first and business class seats on more than 20 airlines as well as premium economy tickets for you and up to seven traveling companions. Start your search on the Amex Travel website to find international flights departing or arriving in the U.S. on any of those premium cabins.
Pros & Cons
- High reward potential on flights and hotels booked through American Express Travel
- Multiple credits can help justify the fee
- Comprehensive airport lounge access
- Luxury travel benefits and elite status with Hilton and Marriott with enrollment
- Very high annual fee
- Maximizing the statement credits takes some work and could be impractical for many
- Reward rate outside of travel is subpar for a premium card
Card Details
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.¤
- Terms Apply.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Midtier Capital One Travel Rewards Card
Capital One Venture Rewards Credit Card
On Capital One's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5X Reward Rate
Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. Earn 5X miles on CapitalRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$95
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Although I prefer the upmarket Venture X, the Capital One Venture Rewards Credit Card is a more obvious choice for someone who doesn’t need premium perks (or the additional fee they command).
Why We Like It
This card provides an impressive welcome bonus to those who qualify and generously earns 2 miles per dollar spent.
What We Don’t Like
Not all redemptions are a good value: This card is definitely targeted to travelers.
Who It’s Best For
Travelers who want access to a variety of airline partners without committing to a premium annual fee (rates & fees).
Expert Commentary
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Kimberly Shearer
Kimberly Shearer
Credit Cards Writer
Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.
Credit Cards Writer
The Capital One Venture Rewards card is extremely low maintenance as far as travel reward cards go. It provides consistent value and flexibility when it comes to earning and redeeming points for travel and is an excellent alternative for anyone a bit leery of the high Capital One Venture X Rewards Credit Card annual fee (rates & fees).
Pros & Cons
- Solid rewards rate
- Global Entry or TSA PreCheck® statement credit (up to $120)
- No foreign transaction fees
- Miles are easy to redeem either via partner transfers or by applying against travel purchases
- $95 annual fee
- No introductory APR on purchases or transfers
Card Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Card for Balancing Travel and Dining Interests
American Express® Gold Card
On American Express's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 4X Reward Rate
Earn 4X Membership Rewards® points at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X; EarnRead More
Welcome Bonus
Earn 60,000 points + earn up to $100 back
Annual Fee
$325
Regular APR
See Pay Over Time APR
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
If you’re looking for strong rewards when grocery shopping, eating out or ordering in, you can’t beat the American Express® Gold Card (Terms apply, see rates & fees). Dining and delivery statement credits are always welcome in my house.
Why We Like It
You’ll earn rewards quickly, thanks to a 4x multiplier on eligible purchases.
What We Don’t Like
The hefty annual fee on this card means you’ll want to triple-check that you’ll make the most of its credits and rewards.
Who It’s Best For
Foodies and families who spend a lot on dining and groceries but want to redeem their rewards toward travel.
Expert Commentary
Barbara King
Credit Cards Writer
Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
Barbara King
Barbara King
Credit Cards Writer
Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
Credit Cards Writer
This card makes it easy to earn Membership Rewards points while doing regular grocery shopping since the card earns bonus points at supermarkets. And for the nights that cardholders don’t want to cook, they can make use of the monthly dining and Uber credits (which can be used on Uber Eats orders).
Pros & Cons
- High rewards earnings possibilities
- Points transfer option to many partners
- Add up to five authorized users for no additional annual fee
- Can choose from regular, white gold or rose gold versions
- Most credits are doled out monthly and can be cumbersome to redeem
- Limited options to carry a balance
- High APR for pay over time feature*
Card Details
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
- Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin’ locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Credit Cards for Specific Airlines
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3x Reward Rate
Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, andRead More
Welcome Bonus
Earn up to 100,000 points
Annual Fee
$95
Regular APR
21.74% - 28.74% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
Even if you don’t fly Air Canada often, the Aeroplan rewards program is top notch. The Aeroplan® Credit Card earns miles at superb rates, and I’m impressed it offers preferred award pricing to cardholders.
Why We Like It
In addition to earning strong rewards, the Aeroplan card offers many benefits while flying, including elite status for new cardholders.
What We Don’t Like
Aeroplan miles might not be the most viable choice for U.S.-based flyers.
Who It’s Best For
Travelers who want to earn award flights with Air Canada.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
Chase and Aeroplan’s co-branded credit card will serve as an excellent companion for Air Canada and Star Alliance frequent flyers, as you earn valuable Aeroplan points on a set of airline partners like United and Lufthansa. Maximize your Aeroplan points and redeem for future flights and hotel stays through an extensive partner network. Enjoy additional points-earning opportunities in key everyday purchase categories.
Pros & Cons
- Excellent rewards earning
- No foreign transaction fees
- Travel benefits including perks for Air Canada flyers
- $95 annual fee
- Lacks non-travel-related benefits
Card Details
- Earn up to 100,000 bonus points
- Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
- Member FDIC
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3X Reward Rate
3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & allRead More
Welcome Bonus
Earn 60,000 bonus miles
Annual Fee
$250
Regular APR
21.99% - 28.99% Variable
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
Despite the above-average annual fee, the United Quest℠ Card stands out for anniversary flight credits, statement credits toward United purchases and perks that make air travel more bearable.
Why We Like It
The benefits while flying go beyond the checked bags you’re expecting: The card also offers potential upgrades on award flights.
What We Don’t Like
Since the anniversary mileage bonus requires you to make and fly eligible award flights, not all cardholders will maximize this benefit every year.
Who It’s Best For
Travelers who want to earn award flights with United Airlines.
Expert Commentary
Ben Luthi
Contributor
Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.
Ben Luthi
Ben Luthi
Contributor
Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.
Contributor
Don’t let the card’s annual fee scare you off. Even if you’re not a United frequent flyer, the perks can make this card worth your while, and the rewards rates are better compared to most airline cards.
Pros & Cons
- Up to $125 annual United purchase credit
- Earn up to two 5,000-mile award flight credits annually
- Two free checked bags for cardholder and a companion traveling on the same reservation
- Earn up to 6,000 Premier Qualifying Points per calendar year
- Primary auto collision damage waiver for eligible rentals
- Checked baggage benefit only applies to one companion
- Earnings for general purchases are only 1 mile per dollar
Card Details
- Earn 60,000 bonus miles and 500 PQP after qualifying purchases
- Earn 3 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel, dining and select streaming services
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply) – and priority boarding
- Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
- Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
- Member FDIC
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Airline Card for Distance-Based Redemptions
British Airways Visa Signature® Card
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Welcome Bonus
Earn 85,000 Avios.
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
I don’t fly to or through London enough to need this card, but the British Airways Visa Signature® Card bundles discounts on paid flights, statement credits toward taxes and fees on eligible rewards flights and the opportunity to earn a Travel Together ticket.
Why We Like It
The card skips over benefits with nebulous merits, like priority boarding and focuses on offers with actual cash value.
What We Don’t Like
Customers who aren’t experts in award travel may be frustrated with British Airways’ notorious fees. There are some workarounds, but it can take time to learn the program.
Who It’s Best For
Travelers who want to earn award flights with British Airways and partner airlines.
Expert Commentary
Ben Nickel-D'Andrea
Credit Cards Writer
Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.
Ben Nickel-D'Andrea
Ben Nickel-D'Andrea
Credit Cards Writer
Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.
Credit Cards Writer
Those who spend enough to earn the Travel Together Ticket can get 50% off the price of their award ticket when traveling solo or get a second seat on the same flight and cabin for a companion at no additional cost beyond taxes and fees. Travel Together Tickets are now valid on British Airways, Iberia and Aer Lingus flights and any of their subsidiaries on itineraries from anywhere in the world and on both one-way or round-trip flights.
Pros & Cons
- Generous rewards on eligible flights
- Potential to earn a companion ticket
- Lucrative welcome bonus
- No foreign transaction fee
- Rewards rate poor outside of Avios-earning airlines
- Subject to Chase’s 5/24 rule
- No checked baggage or lounge perks
Card Details
- Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
- Member FDIC
Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Value United Card for Vacationers
United℠ Explorer Card
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 2X Reward Rate
Earn 2 miles per $1 spent on dining, hotel stays and United® purchases. 1 mile per $1 spent on allRead More
Welcome Bonus
Earn 50,000 bonus miles
Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
21.99% - 28.99% Variable
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
Considering the United℠ Explorer Card has a relatively low annual fee, it offers a balance of rewards and benefits for United flyers.
Why We Like It
The free checked bag benefit adds up if you travel a few times per year.
What We Don’t Like
Unlike other United credit cards, this one doesn’t offer any opportunities to earn elite status through spending.
Who It’s Best For
This card is best for casual United flyers who don’t already get travel perks from status.
Pros & Cons
- Annual fee waived the first year
- Free first checked bag when you pay with your card and priority boarding
- Earn unlimited miles with no caps
- No blackout dates
- Seat limitations on Saver Awards
- Award flight pricing can be expensive
- No intro APR offer
- High regular APR
Card Details
- Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $95.
- Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Free first checked bag – a savings of up to $160 per roundtrip. Terms Apply.
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Member FDIC
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Card for Delta Lounge Access
Delta SkyMiles® Reserve American Express Card
On American Express's Website
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 3X Reward Rate
Earn 3X Miles on Delta flights and Delta Vacations®; Earn 1 mile per dollar for all other eligible purchases
Welcome Bonus
Earn 100,000 Bonus Miles
Annual Fee
$650
Regular APR
20.49%-29.49% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
Pick the Delta SkyMiles® Reserve American Express Card if you’re looking for airport lounge access when flying Delta, but be aware that visits will be capped starting in February 2025.
Why We Like It
One of the best features of this card is that it can help you work toward earning elite status, with Medallion Qualifying Dollar boosts.
What We Don’t Like
Considering how pricey the annual fee on this card is, it has awful earning rates for everything other than Delta Air Lines purchases.
Who It’s Best For
This card is best for true Delta loyalists who will be able to take advantage of all the included benefits.
Pros & Cons
- Elite status is possible through high spending
- Lounge access for Delta flyers
- Credits can help offset the annual fee
- No bonus categories apart from Delta purchases
- Lounge access is limited starting in 2025
- Monthly credits might be hard to use
Card Details
- Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy complimentary access to the Delta Sky Club. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
- Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
- Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
- Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
- Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flights each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
- Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees.
- $650 Annual Fee.
- Terms Apply.
Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Card for Delta Loyalists
Delta SkyMiles® Platinum American Express Card
On American Express's Website
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 3X Reward Rate
Earn 3X Miles on purchases made directly with hotels; Earn 3X Miles on Delta flights and Delta Vacations; Earn 2XRead More
Welcome Bonus
Earn 90,000 Bonus Miles
Annual Fee
$350
Regular APR
20.49%-29.49% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
The Delta SkyMiles® Platinum American Express Card has the best earning structure of any Delta card, making it an excellent way to collect some extra miles.
Why We Like It
This card offers similar benefits to more expensive cards but at about half the annual fee: You’ll still get access to award discounts, companion certificates, elite status boosts and a handful of other credits.
What We Don’t Like
Similar to other Amex cards, many statement credits are earned on a monthly basis rather than as a lump sum. Plus, the card does not have lounge access, which is obviously something you want in a premium travel card.
Who It’s Best For
The Platinum version of Delta’s credit card is best for flyers who want a selection of benefits but don’t need airport lounge access.
Pros & Cons
- Annual companion certificate for an eligible domestic, Caribbean or Central American round-trip flight
- Zone 5 priority boarding and free checked bag when flying with Delta
- Various statement credits for rideshares, Resy and Delta Stays
- Companion certificate is subject to taxes and fees
- Does not include Delta Sky Club access
- Statement credits may be difficult to maximize
Card Details
- Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American round-trip flights each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
- Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- $120 Resy Credit: When you use your enrolled Delta SkyMiles® Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 back each month in statement credits.
- $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
- Enjoy your first checked bag free on Delta flights.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- No Foreign Transaction Fees.
- $350 Annual Fee.
- Terms Apply.
Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Card for United Airlines Lounge Access
United Club℠ Infinite Card
On Chase Bank USA, NA's Website
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 4X Reward Rate
Earn 4 miles per $1 spent on United® purchases; Earn 2 miles per $1 spent on all other travel andRead More
Welcome Bonus
Earn 80,000 bonus miles
Annual Fee
$525
Regular APR
21.99% - 28.99% Variable
Credit Score
Excellent(750 - 850)
Our Expert Take
The headlining benefit on the United Club℠ Infinite Card is a United Club membership for unlimited airport lounge access on eligible itineraries.
Why We Like It
In addition to United perks, this card includes some tangential status benefits like Avis President’s Club and IHG Hotels and Resorts Platinum Elite status to round out your travel experience.
What We Don’t Like
Someone who travels enough to need lounge access may already receive a lot of the card’s “benefits” through status, like priority check-in or potential upgrades.
Who It’s Best For
This card is mostly about the airport lounge access, but some card members may also like the ability to earn Premier Qualifying Points.
Expert Commentary
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Emily Moore
Emily Moore
Credit Cards Writer
Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.
Credit Cards Writer
If reaching a higher status with United is a priority, the United Club Infinite all but guarantees it, as long as the card is used regularly. Cardholders also enjoy frequent seat upgrades (depending on route and availability) plus always-free United Club access. But these perks come with a hefty price tag.
Pros & Cons
- No foreign transaction fee
- United Club membership is worth more than the annual fee
- First and second checked bag free when you pay for your flight with your card
- Very high annual fee
- No intro APR offer
- High regular APR
Card Details
- Earn 80,000 bonus miles after qualifying purchases
- Earn 4 miles per $1 spent on United®purchases
- Earn 2 miles per $1 spent on all other travel and dining
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply) – and Premier Access® travel services
- 10% United Economy Saver Award discount within the continental U.S. and Canada
- Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
- Member FDIC
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Card for Overall Delta Benefits
Delta SkyMiles® Gold American Express Card
On American Express's Website
4.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 2X Reward Rate
Earn 2X miles at restaurants worldwide; Earn 2X miles on eligible purchases made directly with Delta; Earn 2X miles atRead More
Welcome Bonus
Earn 80,000 Bonus Miles
Annual Fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.49%-29.49% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
I got started with the Delta SkyMiles® Gold American Express Card. It’s still best as an introductory credit card for occasional Delta flyers.
Why We Like It
There’s a 15% discount on Delta-operated award flights booked directly with Delta for cardholders, which can be worth big money. Free checked bags are fantastic, too.
What We Don’t Like
Some Delta redemptions can be priced at laughable levels, which makes it difficult to know what your miles are worth.
Who It’s Best For
This card is best for travelers more focused on the included benefits than the mileage opportunities.
Pros & Cons
- No foreign transaction fees
- Free first checked bag and priority boarding on Delta flights
- Large variety of airline partners
- Has an annual fee
- Some of the card’s credits can be difficult to use
- The 15% discount is only on award bookings, not cash fares
Card Details
- Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a $0 introductory Annual Fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
- You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Terms Apply.
Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Southwest Card
Southwest Rapid Rewards® Priority Credit Card
On Chase Bank USA, NA's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3X Reward Rate
Earn 3X points on Southwest purchases, 2X points on local transit and commuting, including rideshare, 2X points on internet, cable,Read More
Welcome Bonus
Earn 85,000 points.
Annual Fee
$149
Regular APR
21.49%-28.49% variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The Southwest Rapid Rewards® Priority Credit Card can make flying on Southwest Airlines an extraordinary value, given a mix of annual travel credits, upgraded boardings and more.
Why We Like It
Southwest credit cards like this one can put their signature Companion Pass within reach, especially thanks to a 10,000-point boost toward your threshold.
What We Don’t Like
Southwest has a limited route network and no airline partners, so frequent international travelers could have no redemption options for many of their trips.
Who It’s Best For
This credit card is best for someone looking to earn Southwest points in any and all forms—redeemable points, tier-qualifying points and companion pass qualifying points.
Expert Commentary
Barbara King
Credit Cards Writer
Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
Barbara King
Barbara King
Credit Cards Writer
Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.
Credit Cards Writer
The perks on this card are practical and useful for regular Southwest flyers. Four upgraded boarding passes per year plus an easy-to-earn $75 statement credit on Southwest purchases and a 7,500-point anniversary bonus can all make this card worth keeping in their wallets.
Pros & Cons
- No foreign transaction fee
- Earn points toward A-list status
- Unlimited reward seats with no blackout dates
- High regular APR
- No intro APR offer
- Rewards flights only available on Southwest, no partner airlines
- Annual fee
Card Details
- Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
- 7,500 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- $75 Southwest® travel credit each year.
- No foreign transaction fees.
- Member FDIC
Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Summary of the Best Credit Card for Airline Miles
Credit Card
Chase Sapphire Preferred® Card
Capital One Venture X Rewards Credit Card
Chase Sapphire Reserve®
The Platinum Card® from American Express
Capital One Venture Rewards Credit Card
American Express® Gold Card
Aeroplan® Credit Card
United Quest℠ Card
British Airways Visa Signature® Card
United℠ Explorer Card
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Platinum American Express Card
United Club℠ Infinite Card
Delta SkyMiles® Gold American Express Card
Southwest Rapid Rewards® Priority Credit Card
Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Chase Sapphire Preferred® Card
Best Flexible Rewards Card for Airlines
Excellent, Good
$95
$300 Chase Travel℠ Credit + 60,000 bonus points
Capital One Venture X Rewards Credit Card
Best Premium Travel Rewards Card
Excellent
$395
Earn 75,000 bonus miles
Chase Sapphire Reserve®
Best Premium Rewards Card for Travel Insurance
Excellent
$550
60,000 bonus points
The Platinum Card® from American Express
Best Premium Rewards Card for Lounge Access
Good,Excellent
$695
Earn 80,000 points
Capital One Venture Rewards Credit Card
Best Midtier Capital One Travel Rewards Card
Excellent, Good
$95
Earn 75,000 bonus miles
American Express® Gold Card
Best Card for Balancing Travel and Dining Interests
Excellent/Good
$325
Earn 60,000 points + earn up to $100 back
Aeroplan® Credit Card
Best Aeroplan Card
Good, Excellent
$95
Earn up to 100,000 points
United Quest℠ Card
Best Midtier United Card
Good/Excellent
$250
Earn 60,000 bonus miles
British Airways Visa Signature® Card
Best Airline Card for Distance-Based Redemptions
Excellent, Good
$95
Earn 85,000 Avios.
United℠ Explorer Card
Best Value United Card for Vacationers
Good/Excellent
$0 intro annual fee for the first year, then $95
Earn 50,000 bonus miles
Delta SkyMiles® Reserve American Express Card
Best Card for Delta Lounge Access
Good,Excellent
$650
Earn 100,000 Bonus Miles
Delta SkyMiles® Platinum American Express Card
Best Card for Delta Loyalists
Good,Excellent
$350
Earn 90,000 Bonus Miles
United Club℠ Infinite Card
Best Card for United Airlines Lounge Access
Excellent
$525
Earn 80,000 bonus miles
Delta SkyMiles® Gold American Express Card
Best Card for Overall Delta Benefits
Good,Excellent
$0 introductory annual fee for the first year, then $150
Earn 80,000 Bonus Miles
Southwest Rapid Rewards® Priority Credit Card
Best Southwest Card
Good, Excellent
$149
Earn 85,000 points.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
