If you’re a frequent flyer, choosing the right airline credit card can help you save big and earn rewards faster. Here are some key factors to consider before picking your next airline credit card:
1️. Do You Have a Preferred Airline?
- Airline credit cards offer the best perks for specific airlines and their partners. If you consistently fly with one airline or want to reach elite status, an airline credit card can benefit you.
- If you usually book flights based on price, a general travel rewards card with flexible points might be a better fit.
2️. What’s Your Credit Score?
- Airline credit cards typically require a good to excellent credit score (690+). Some cards may have more lenient approval criteria, but options will be limited if your score is lower.
3. How Much Will You Spend?
- Your spending level matters. If you’re a high spender, cards that offer more rewards per dollar and help you achieve elite status quickly are ideal.
- For low spenders, opt for cards with lower fees but fewer high-end benefits.
4. What Are the Card Benefits?
- Consider what perks you value most. Basic airline cards often offer free checked bags and priority boarding, while premium cards offer lounge access, upgrades, and bonus points toward elite status.
5. Should You Use It for Everyday Spending?
- Airline cards are great for earning miles, but may not offer the best value on everyday purchases. If the earning rates are lower compared to other rewards cards, you might want to use a more versatile card for non-travel expenses.
Always compare the rewards rates and benefits of different airline cards, keeping your spending habits and travel preferences in mind to get the best value!