This article tells you how to find the best credit cards for airlines.
Just because one of your friends says they have the best airline card doesn't mean it will be the best one for you. Before you decide which airline credit card is best for you, there are a few things you should look at to find the best one. You will need to look at both the airline cards and what they offer, as well as how much you spend and how often you travel.
First, find out what the interest rates are for the airline credit card you want to apply for. Most airline credit cards have higher interest rates than cards that don't offer rewards. If you usually leave a balance on your card from one billing cycle to the next, an airline card might not be for you. If you still want to use an airline credit card for its benefits, you should choose one with the lowest interest rate.
Some airline cards give you points for every dollar you spend, while others only give you points if you shop at certain stores or make certain purchases. If you can only get points at certain stores and you don't usually shop at those stores, the card won't be useful to you. The same is true for what airline you usually fly with. Some airline cards are only good for one airline. If you don't use that airline or only use it rarely, you won't get points you can use.
There are also limits on airline cards, like how many points you can earn in a year, and many of the points you earn have an expiration date. You might save up a lot of points, but they might expire before you can use them.
Now look at all the things you bought with your credit card in one year. If you usually only spend $15,000 on your credit card, but you need to spend $20,000 to get a free trip with your points, the airline card is not for you, unless you want to spend thousands more to get the benefits. Remember that paying off your debt will mean paying higher interest rates and annual fees, and you may never get that free trip.
If you travel a lot, airline credit cards are worth looking into. If you only travel a few times a year, however, the higher interest rates, higher finance charges, and annual fees that come with airline credit cards might not be worth it. Some companies offer extra perks, like a free ticket for a friend or family member, but if you usually travel by yourself, you won't need this offer.
If you travel a lot, you may find that an airline credit card will give you an upgrade to first class. On the other hand, you may find that an airline credit card that doesn't give upgrades will give you more points.
