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See our Advertiser Disclosure.Kendall Little · Senior Writer, Credit CardsBen Walker (CEPF, CFEI®) · Senior Writer, Credit CardsUpdated Wed, December 31, 2025 at 12:56 PM GMT+1 10 min readUsing the right credit card to book your flight is an excellent way to get the best return on big airfare purchases. Airline credit cards can also provide high-quality perks, such as free checked bags and airport lounge access. However, general travel cards might make more sense if you aren’t loyal to a specific airline.Annual fee$95Welcome offerEarn 75,000 bonus points after spending $5,000 in the first 3 monthsOngoing Purchases APR19.49% - 27.74% VariableRecommended credit scoreExcellent/GoodRewards rate5x points on travel purchased through Chase Travel℠3x points on dining, select streaming services, and online groceries2x points on all other travel purchases1x points on all other purchases$50 Annual Chase Travel Hotel CreditBenefitsComplimentary DashPass with $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27, plus a $10 promo each month on non-restaurant ordersEarn up to $50 in annual statement credits for hotel stays purchased through Chase TravelOn every account anniversary, earn bonus points equal to 10% of your total purchases made the previous yearWhy we like it: The Chase Sapphire Preferred is one of the best cards for travelers because it earns Chase Ultimate Rewards points. These can be used for various redemptions, including flights or transfers to a Chase transfer partner. The Sapphire Preferred provides a 25% bonus to travel redemptions made through Chase Travel℠.Read our full Chase Sapphire Preferred reviewLearn more: See our picks for the best Chase credit cardAnnual fee$99Welcome offerEarn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account openingOngoing Purchases APR19.49% - 27.99% VariableRecommended credit scoreExcellent/GoodRewards rate2x on Southwest purchases2x at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year2x on local transit and commuting, including rideshare (expires Dec. 31, 2025)2x on internet, cable, and phone services; select streaming (expires Dec. 31, 2025)2x on Rapid Rewards hotel and car rental partners (expires Dec. 31, 2025)1x on all other purchasesBenefits3,000 bonus points after your Cardmember anniversaryFirst checked bag free for you and up to 8 additional passengers in the same reservationStandard Seat Selection within 48 hours prior to departure, when availableWhy we like it: The Southwest Rapid Rewards Plus makes sense if you want to earn Southwest points on everyday purchases and enjoy a few additional benefits when flying Southwest. That includes 3,000 anniversary points and a 10,000 Companion Pass qualifying points boost.Read our full Southwest Rapid Rewards Plus reviewAnnual fee$350Welcome offerEarn 60,000 bonus miles after you spend $3,000 in the first 6 monthsOngoing Purchases APR19.49%-28.49% VariableRecommended credit scoreExcellent/GoodRewards rate3x miles on Delta purchases and purchases made directly with hotels2x miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets1x miles on all other eligible purchasesBenefitsReceive a Companion Certificate on a main cabin round-trip flight to select destinations each year after renewal of your Card. Terms apply.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 requiredCheck your first bag free on Delta flightsWhy we like it: The Delta SkyMiles Platinum Amex has plenty of benefits for Delta loyalists, including your first checked bag free, up to $120 annual rideshare credit ($10 in statement credits per month), and up to a $150 annual Delta Stays credit. Not convinced? You also get 15% off on Delta award flights and multiple ways to earn and keep your Medallion Status. Enrollment is required for select benefits.Delta Gold vs. Delta Platinum: Which card offers more Delta savings?Annual fee$325Welcome offerYou may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 on eligible purchases in the first 6 months (welcome offers vary and you may not be eligible for an offer; apply to know if you’re approved and find out your exact welcome offer with no credit score impact; if approved and you accept the card, your score may be impacted)Ongoing Purchases APRSee Pay Over Time APRRecommended credit scoreExcellent/GoodRewards rate4x Membership Rewards Points at restaurants worldwide (on up to $50,000 per calendar year in purchases, then 1x)4x Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x)3x Membership Rewards points on flights booked directly with airlines or on AmexTravel.com2x Membership Rewards points on prepaid hotels and other eligible purchases booked on AmexTravel.com1x Membership Rewards points on all other eligible purchasesBenefitsEarn up to $10 in statement credits each month when you pay with your American Express Gold Card at Five Guys, Grubhub, The Cheesecake Factory, Goldbelly, and Wine.com (enrollment required)Up to $100 in annual statement credits ($50 semi-annually) when you use your American Express Gold Card on eligible purchases at U.S. restaurants on the Resy app or Resy.comUp to $84 per year ($7/month) in statement credits after you enroll and pay with your American Express Gold Card at more than 9,000 U.S. Dunkin’® locations (enrollment is required to receive this benefit)Why we like it: The Amex Gold Card gives cardholders access to the Amex Membership Rewards program and its many transfer partners, including over 20 airline and hotel loyalty programs. This gives you more flight redemption options with transfer partners than Chase and Capital One.Read our full American Express Gold Card reviewAnnual fee$0 Intro Annual fee for the First Year, then $150Welcome offerEarn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is openOngoing Purchases APR19.99% - 28.49% VariableRecommended credit scoreGood, ExcellentRewards rate2x miles on United® purchases, dining, and hotel stays when booked with the hotel1x miles on all other purchasesBenefitsFree first checked bagUp to $120 Global Entry, TSA PreCheck® or NEXUS fee creditPriority boarding on United flights and 2 United Club one-time passes per yearWhy we like it: The United Explorer Card is our favorite card for United loyalists who want perks with the airline, like free checked bags, but don’t want to pay a high annual fee. If you frequently fly United, this card can save you hundreds of dollars per year in checked bag fees.Read our full United Explorer Card reviewAnnual fee$395Welcome offerLimited-time offer: Earn 100,000 bonus miles when you spend $10,000 in the first 6 months from account openingPurchase APR19.74% - 28.74% variableRecommended credit scoreExcellentRewards rate10x miles on hotels and rental cars booked through Capital One Travel5x miles on flights and vacation rentals booked through Capital One Travel2x miles on all other purchasesBenefits$300 annual credit for travel bookings through Capital One Travel10,000 annual bonus miles (worth $100 in travel spending; starts on your first account anniversary)Unlimited access for you and two guests to Capital One Lounges and 1,300+ more lounges through partner networks after enrollmentWhy we like it: The Capital One Venture X is a premium travel card without a luxury price tag. You can take advantage of extensive airport lounge access, 10,000 anniversary miles, and a $300 credit for travel booked through Capital One Travel — all with an annual fee lower than the competition.Read our full Capital One Venture X reviewAnnual fee$0Welcome offerEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travelPurchase APR18.74% - 28.74% variableIntroductory APR0% intro APR on purchases and balance transfers for 15 months, then variable 18.74% - 28.74% APRRecommended credit scoreGood, ExcellentRewards rate5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel1.25x miles on all other purchasesBenefitsGenerous intro APR on purchases and balance transfers for the first 15 monthsTransfer your miles to more than 15 travel partnersEnjoy international travel without additional fees on purchases made abroadWhy we like it: The Capital One Venture Rewards earns flexible Capital One miles that you can transfer to over 15 airline and hotel loyalty programs. That includes Air Canada Aeroplan, British Airways Executive Club, and Air France-KLM Flying Blue, giving you plenty of options for redeeming your rewards.Read our full Capital One Venture Rewards reviewAirline credit cards provide rewards and benefits tied to specific airlines. For example, Delta credit cards earn Delta SkyMiles on eligible purchases and offer certain benefits if you fly Delta. That could include a free checked bag or boarding the plane quicker.These cards are meant for travelers loyal to one airline, or who at least fly a specific airline most of the time.There are two primary types of airline credit cards:Co-branded airline cardsGeneral travel cardsA credit card company issues a co-branded airline card in partnership with an airline. For example, Chase issues the Southwest Rapid Rewards Plus Credit Card in partnership with Southwest Airlines.Co-branded cards make sense if you’re loyal to a specific airline because they typically have rewards and benefits tied to that airline. That could include receiving a free checked bag, priority boarding, or something similar. Your primary redemption option is using rewards for award flights on your connected airline.General travel cards earn rewards that can be redeemed through travel portals or transferred to multiple airline loyalty programs. This gives you more flexibility over using your rewards since you aren’t tied to one airline. However, you’ll miss out on perks like free checked bags and priority boarding.Consider these features as you compare airline credit cards:Welcome bonus: A welcome offer or sign-up bonus can provide loads of value for signing up for a card and completing specific requirements. It’s often best to time new card applications with upcoming large purchases to help complete welcome bonus spending requirements as a new card member.Rewards: It makes sense to find a card with a rewards rate that aligns with your spending habits. If you drive a lot for work, earning more rewards on gas could make sense. The same could be said for dining out, buying groceries, paying for streaming services, and other similar spending categories.Benefits: Getting a free checked bag is one of the best benefits of airline cards, but you might also be interested in airline lounge access, priority boarding, elite status, and other perks.Fees: If you plan to travel internationally, it helps to have a card with no foreign transaction fees.Redemption options: The primary redemption option for airline cards is using rewards for award flights. General travel credit cards can provide more flexibility with redemption options.Whether or not you should get an airline credit card comes down to the value you expect to receive.Frequent travelers who spend money on airfare regularly can absolutely benefit from earning rewards on those tickets. However, the right credit card with airfare rewards can also help you save money even if you only travel a few times yearly.Here are a few questions to ask yourself before opening a new airline card:How often do you travel? Frequent fliers may want to prioritize cards that earn bonus miles on airfare, while occasional travelers may prefer to earn bonus points or miles at grocery stores, gas stations, and restaurants to put toward future flights.What’s your budget? If a steep annual fee or welcome bonus offer will push you to spend more than you can afford, it’s better to forgo big rewards and avoid taking on debt. Even the best travel rewards can’t beat the high cost of credit card interest charges.How’s your credit? Credit cards with airline rewards typically require good credit to qualify. If you don’t already have a solid score, consider a credit-building card instead to build up a positive payment history and establish good credit habits. Later, you can put those habits to good use while earning travel rewards.What travel benefits do you want? Plenty of travel rewards cards come with credits, complimentary lounge access, status, bonuses, and other perks that can help you save money when moving through the airport or on the go. But think about the travel expenses you already have to find your savings sweet spot. Maybe you’re already a TSA PreCheck user, for example, and check bags every time you fly. A card that can offset your regular purchases is a great way to save money — as long as that value is more than the annual fee cost.This embedded content is not available in your region.Is it worth it to get an airline credit card? Here's what to keep in mind.Flight perks: Many credit cards for frequent flyer miles offer great benefits, including free checked baggage, priority boarding, inflight discounts, and other freebies that can save you money and elevate your flight experience.Large welcome bonuses: Many of the best credit cards for earning airline miles offer sizable welcome bonuses, some of which are sufficient to cover more than one roundtrip domestic flight.Potential for elite status: Some of the best miles credit cards offer a fast track to elite status with your everyday spending. Loyalty to a particular airline could open the doors to even more perks, such as complimentary upgrades and better boarding positions.Limited flexibility: Unlike general travel credit cards, a credit card with flight rewards typically limits how you can use your miles. While some may let you book hotels, rental cars, and vacation packages, you may lose value compared to using your rewards for award flights. Remember, too, that award flights aren't completely free — you'll still need to pay taxes and fees.Award availability: Earning enough miles to cover an award flight doesn't guarantee you'll be able to book one. Some airlines limit the number of seats available for award flights, so you may still need to pay cash unless you have some flexibility with your travel dates and times.Potential for devaluation: Airlines occasionally introduce new policies that can devalue their rewards currency. In other words, you may work hard to amass a trove of miles, only to learn that they're less valuable than you thought.Many travel rewards programs — like Chase Ultimate Rewards, Capital One Travel, and American Express Membership Rewards — allow you to transfer your points to airline partners, often at a 1:1 ratio. Here’s a rundown of each program’s current airline partners:Say, for example, you’re a Southwest Rapid Rewards member and often travel to and from locations serviced by the airline.You may get the best value from a Southwest credit card, with rewards and benefits designed to help you earn status, priority, and more with the airline. But you should also consider a Chase travel card, as Southwest Rapid Rewards is a transfer partner and the issuer offers a wide range of rewards categories and benefits that extend beyond the specific airline.If you aren’t loyal to a specific airline, it’s best to use a general travel credit card to book your flights. Cards like the Chase Sapphire Preferred and American Express Gold Card provide elevated rewards on flights purchased directly from airlines, making it easy to earn valuable points regardless of the airline you fly.It varies by airline, but many airline rewards currencies are worth at least one cent per mile. That means 10,000 miles could equal $100, depending on the loyalty program and the specific redemption method.You can calculate how much your miles are worth for airfare by dividing the cash value of a flight by the total number of miles it would take to book the same flight. For example, $500 divided by 50,000 miles equals $0.01, or one cent per mile.It’s worth the annual fee if you get enough value from its rewards and benefits to offset the cost each year. For example, the Capital One Venture X offers 10,000 anniversary miles and an annual $300 travel credit for Capital One Travel bookings. Without considering any other rewards or perks, you already have enough value from these two benefits to offset the $395 annual fee.Top airline credit card benefits include:Free checked bagsAirport lounge accessPriority boardingWelcome bonusesElite statusAirline or other travel creditsCompanion tickets or faresIn-flight discountsComplimentary upgradesOne of the best travel credit cards for students is the Bank Of America® Travel Rewards For Students. This card provides valuable points for making eligible purchases, including travel purchases, and you can redeem your points to pay for flights, hotel stays, cruises, and more. Even better, there are no annual or foreign transaction fees.We researched co-branded airline credit cards from major card issuers to find the best airline credit cards. We did not research every available credit card or include business credit cards in our research.We added airline cards to a rubric to compare their perks, benefits, fees, welcome offers, and other features. Our analysis also considered the best travel credit cards, many of which can transfer rewards to airline loyalty programs.Our final list of the best airline credit cards is based on our rubrics, research, and expert opinion.This article was edited by Alicia HahnEditorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.