9.40
/ 10
9.10
/ 10
8.58
/ 10
8.53
/ 10
8.45
/ 10
8.33
/ 10
8.23
/ 10
8.03
/ 10
7.73
/ 10
7.60
/ 10
7.50
/ 10
7.40
/ 10
7.15
/ 10
Travel Benefits
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Miles/Points to Dollars Spent Ratio
1 Mile/1 Dollar Spent
1 Mile/1 Dollar Spent
2 Miles/1 Dollar Spent
1.25 Miles/1 Dollar Spent
1 Point/1 Dollar Spent
1 Mile/1 Dollar Spent
1 Point/1 Dollar Spent
1 Point/1 Dollar Spent
1.5 Miles/1 Dollar Spent
1 Mile/1 Dollar Spent
1 Point/1 Dollar Spent
1 Point/1 Dollar Spent
1.5 Points/1 Dollar Spent
Sign-Up Offer
30,000 bonus miles after $1,000 spent in first 3 months
30,000 bonus miles after $1,000 spent in first 3 months
40,000 bonus miles after $3,000 spent in first 3 months
20,000 bonus miles after $1,000 spent in first 3 months
20,000 TrueBlue points after $1,000 spent in first 3 months
50,000 bonus miles after $3,000 spent in first 3 months
25,000 bonus points after $1,000 spent in first 3 months
25,000 bonus points after $1,000 spent in first 3 months
$100 statement credit after first purchase
25,000 bonus miles after $750 spent in first 3 months
10,000 bonus points after $500 spent in first 90 days
No Blackout Dates
International Flights
Earn Double Miles or Points
Free Bag Check
Priority Boarding
VIP Lounge Access
$
In-Flight Purchase Discounts
Annual Bonus Miles or Points
Concierge Service
Air Miles Credit Card Review: The Best Air Miles Credit Card
Find the best air miles credit card that enables you to earn frequent flyer miles simply by using it for your everyday purchases. Here's what you need to know about travel benefits, APRs, fees and member support.
Key Features
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Travel Accident Insurance
Rental Car Insurance
Lost Luggage Reimbursement
24/7 Roadside Assistance
Zero Liability
Miles/Points Don't Expire
No Cap on Miles/Points
Extended Product Warranty
Purchase Protection
Return Protection
APR
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Standard APR*
15.24% - 19.24% Variable
15.99% Variable
13.9% - 20.9% Variable
11.9% - 19.9% Variable
15.24% Variable
13.99% - 21.99% Variable
15.99% Variable
15.99% Variable
15.99% Variable
13.99% - 21.99% Variable
17.24% - 22.24% Variable
17.24% - 22.24% Variable
14.99% - 22.99% Variable
Cash Advance APR*
25.24% Variable
19.24% Variable
24.9% Variable
24.9% Variable
25.24% Variable
25.24% Variable
19.24% Variable
19.24% Variable
19.24% Variable
25.24% Variable
25.24% Variable
25.24% Variable
17.99% - 24.99% for Direct Deposit & Check Cash Advances/24.99% for Bank Cash Advances
Balance Transfer APR*
15.24% - 19.24% Variable
15.99% Variable
13.9% - 20.9% Variable
11.9% - 19.9% Variable
15.24% Variable
13.99% - 21.99% Variable
15.99% Variable
15.99% Variable
15.99% Variable
13.99% - 21.99% Variable
17.24% - 22.24% Variable
17.24% - 22.24% Variable
14.99% - 22.99% Variable
Penalty APR*
27.24% Variable
29.99% Variable
29.4% Variable
29.4% Variable
27.24% Variable
29.99% Variable
29.99% Variable
29.99% Variable
29.99% Variable
29.99% Variable
27.24% Variable
27.24% Variable
29.99% Variable
Introductory APR*
0% on Purchases
0% on Purchases
Introductory Period
Until Feb. 2016
12 Months
Fees & Penalties
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Annual Fee
$0 first year, then $95
$0 first year, then $95
$0 first year, then $59
None
$0 first year, then $40
$0 first year, then $95
$69
$99
$395
$0 first year, then $50
$75
None
None
Late Fee
Up to $38
Up to $35
Up to $35
Up to $35
Up to $38
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $38
Up to $38
Up to $35
International Purchase Fee
None
None
None
None
2.7%
3%
3%
None
None
3%
2.7%
2.7%
None
Cash Advance Fee
$5 or 3%
$10 or 3%
$10 or 3%
$10 or 3%
$5 or 3%
$10 or 5%
$10 or 3%
$10 or 3%
$10 or 3%
$10 or 5%
$5 or 3%
$5 or 3%
$10 or 3%
Balance Transfer Fee
$5 or 3%
$5 or 3%
None
None
$5 or 3%
$5 or 3%
$5 or 3%
$5 or 3%
$5 or 3%
$5 or 3%
$5 or 3%
$5 or 3%
$10 or 3%
Returned Payment Fee
Up to $38
Up to $35
Up to $35
Up to $35
Up to $38
Up to $35
Up to $35
Up to $35
Up to $35
Up to $35
Up to $38
Up to $38
Up to $25
Grace Period
25 Days
21 Days
25 Days
25 Days
25 Days
23 Days
21 Days
21 Days
21 Days
23 Days
25 Days
25 Days
25 Days
Member Support
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Phone 24/7
Emergency Card Replacement
Live Chat
Email
FAQs
by

Air Miles Credit Card Review

Why Use an Air Miles Credit Card?

As a perceptive consumer, you've already discovered that you can use reward credit cards to your advantage. If you enjoy travel or aspire to travel, the best way to earn miles is by using airline credit cards. These are ideal rewards credit card option because they give you an opportunity to earn air miles rewards simply by using your credit card to make everyday purchases. In addition to providing you with air miles that you can leverage to help fund your travels, these cards often include additional perks, like free bag checking or priority boarding, that can make your travel either less expensive or more convenient.

The best airline credit cards we've identified include the Gold Delta SkyMiles  Credit Card from American Express, the United MileagePlus  Explorer Card and the Capital One  Venture  Rewards Credit Card. For tips on how to get the maximum benefit from your frequent flyer miles card, visit our Learning Center to read articles about air miles credit cards.

Air Miles Credit Cards: What to Look For

Evaluating air miles credit cards can be challenging because in addition to air miles, there are additional travel benefits and financial factors to consider. We used the following criteria to determine the top airline miles credit cards.

Travel Benefits
For each dollar you spend, most air miles credit cards give you one mile or one point. The best miles credit cards give you the opportunity to earn double miles when you make certain purchases, such as purchasing a flight from the participating airline, which makes it easier for you to accumulate the miles you need to earn a flight.

In addition to earning miles, most air miles credit cards have additional benefits that enhance your enjoyment of the card. The best frequent flyer miles provide travel benefits like in-flight discounts, priority boarding and access to VIP lounges inside airports. They also don't have blackout dates that might restrict your ability to use your miles at optimal times.

Key Features
The best frequent flyer credit cards include features that give you peace of mind when you travel, as they provide you with the assistance you would need in the event of an emergency. Many of these features automatically activate when you use your air miles credit cards to purchase your travel fare. Examples of these features include lost luggage reimbursement, travel accident insurance, 24/7 roadside assistance and rental car insurance.

APR
Like any other credit card, an important consideration when you're selecting an air miles card is the annual percentage rate that it carries. The annual percentage rates should be relatively low for purchases and balance transfers. APRs for cash advances and penalties should be on par with those charged by other credit cards.

Fees & Penalties
You should expect your air miles credit card's fees and penalties to be in line with industry-standards. Common fees include a cash-advance fee, a balance transfer fee, a late fee and a returned payment fee. The best air miles credit cards don't have annual fees and don't charge you international purchase fees.

Member Support
When you're traveling, being able to contact your credit card provider at any time of day or night isn't just a convenience, it's a necessity. Your air miles credit card company should provide 24/7 member support that you can contact by phone. In the event that your card is lost or stolen, the company should be willing to get you an emergency card replacement as quickly as possible   preferably, they should overnight it to you. Other member support features on the company's website, like live chat and a list of frequently asked questions, make it easy for you to find helpful information about your card's benefits, thus increasing the overall convenience of using your card.

Air Miles Credit Cards: Specific Considerations

Depending on your overall use of the credit card and your ability to take advantage of the benefits that it provides, your individual preferences and needs may vary. Here are some key decisive features, along with our recommendations based on each feature.

No Annual Fee
If you don't want to pay an annual fee and don't want to have to remember to cancel a card after the introductory period expires, consider the Capital One  VentureOne  Rewards Credit Card or Blue Sky from American Express .

Free VIP Lounge Access
If you want a comfortable place to rest while you're waiting for your flights and VIP Lounge Access is a perk you can't do without, check out the United MileagePlus  Explorer Card or the United MileagePlus  Club Card.

Priority Boarding
If being able to board the plane a little sooner helps you snag a better overhead bin or helps you get your little one settled, look for a card that gives you this advantage. In addition to the first two cards on our lineup, also consider the Citi  AAdvantage  Platinum Select  MasterCard  or the United MileagePlus  Club Card.

Introductory APR
If you want a card that gives you a 0% APR as an introductory bonus, check out the Capital One  VentureOne  Rewards Credit Card or the BankAmericard Travel Rewards  credit card.

For the frequent or would-be traveler, an air miles credit card is an excellent choice of rewards credit card because it helps you earn frequent flyer miles simply by making everyday purchases. With this type of card, you may even be able to earn double points when you use the card to purchase flights. Many cards also provide benefits that elevate your travel experience, like VIP lounge access, priority boarding and concierge service.

*Disclaimer: The Annual Percentage Rate or APR is reflective of the date this review was last updated.