Get Ready For Take Off: The Best Airline Credit Cards
Ever considered traveling, but never could afford it? Companies commonly have special airline credit cards which offer discounts on airfare and free boarding at various hotels. Generally, the best airline credit cards offer rewards in the form of redeemable points. Many times the points are equivalent to a certain number of miles of an airline trip or nights at a hotel.
Capital One’s Venture One Rewards Card
Capitol One offers its Venture One Rewards Card for those with excellent credit. The Venture One Rewards card offers 1.25 frequent flyer miles for every dollar spent. This includes all purchases at any time. What’s great is that there is no limit on redeemable miles and on which airline to fly. Additionally, rewards credits are good for car rentals. Although other credit cards may have restrictions on using frequent flyer miles on certain dates, such as holidays, Capitol One has no blackout dates.
Chase Sapphire Preferred Card
Chase’s Sapphire Preferred Card may be the best airline credit card for those who travel frequently. Chase allows customers to earn points which can be redeemed for credit on purchases during travel. This includes airline tickets, cruise ships, dining, hotels and any other travel-related expenses. Chase will give two points for every dollar spent on travel and dining. Additionally, members will still earn one point per dollar on all other purchases.
Capital One Venture Rewards Credit Card
Capitol One’s airline credit card is one of the most flexible in the industry. Venture Rewards Credit Card members redeem airline miles to fly free on any airline and at anytime. All holidays are included with no blackout dates. Capitol One does not have a limit on miles. Another great thing is that the miles will never expire. Members also have the option to use reward
miles for any other travel expense, such as dining or hotel rooms.
Citi Gold / AAdvantage World MasterCard
For fans of American Airlines, one the best airline credit cards may be Citi’s Gold AAdvantage World MasterCard. This card’s rewards system works exclusively with American Airlines to offer some great opportunities to save money on airfare. Members can earn one mile for every one dollar spent using a card. Members can even earn 30,000 bonus miles for more than $750 in purchases within the first four months. The credit card offers additional rewards for traveling to select destinations.
Delta Airlines Gold Delta SkyMiles Credit Card
Even the airlines themselves are offering their own credit card with frequent flyer miles rewards. v The credit card starts giving huge bonuses right from the start with 20,000 bonus miles with the first purchase. Customers may even receive double miles for specified flights.
With so many options available it may be difficult to choose one of the many considered “best airline credit cards”. One should evaluate his or her existing travel needs and spending habits. This will better help decide which credit card to choose. For example, those that already travel frequently should choose a credit card with higher rewards for travel-related purchases.
Unlimited Rewards and Benefits: A Southwest Airlines Credit Card Review
Southwest Airline’s new credit card program called Southwest Airlines Rewards Plus Credit Card offers a variety of rewards. The airline has partnered with JPMorgan Chase to bring its customers opportunities for free airline tickets, free hotel rooms, travel-related discounts, and many more rewards. This credit card is perfect for those who travel frequently.
Generous Reward Points Program
Although it would be simpler and more straight-forward to give flyer miles to card members, Southwest has decided to use a reward points system. It’s confusing, because the points equate into dollars differently, depending upon how points are spent. Southwest redeems points at various points per dollar rates, depending upon the specific offer. For the most part, one point is equal to one dollar charged on the credit card.
Bonus Points
Probably the best aspect of Southwest’s credit card is its bonus points opportunities. Southwest customers earn 25,000 bonus points after their first purchase using the credit card. This is enough for a free round-trip flight to one of over 70 destinations offered by Southwest. For those already planning on traveling soon, this may come in handy. Also, members earn 3,000 bonus points on the anniversary of their enrollment.
Flexibility
Despite being a little bit confusing in its reward points system, Southwest does offer a good amount of flexibility to card members. There are no blackout dates, which means that members can redeem rewards points for flights on any date, including holidays. Also, members do not have to use points on Southwest flights. The points are redeemable at more than 50 airlines worldwide. Additionally, the points never expire and there is no limit on redeemable free flights.
Redeem for Other Travel Expenses
Along with free flights, card members can use their points for a variety of other items and services related to travel. Some of these include car rentals and hotel lodging. This may be helpful if one has already bought airline tickets for an upcoming vacation, but are still looking to save money on expenses while having fun. Remember, only one purchase is needed to automatically receive 25,000 bonus points. These points are redeemable for cruises, as well as, store gift cards.
Fees and Interest Rates
One of the least appealing aspects of the Southwest Airlines Rewards Plus Credit Card is the high interest rates and fees. There is no introductory rate on purchases or balance transfers, which is quite a disappointment. Many competitors routinely offer no interest or low interest introductory rates. Additionally, Southwest charges an annual fee of $69, which is significant for those who do not fly frequently.
Despite a few drawbacks, the Southwest Airlines Rewards Plus Credit Card has much to offer. The bonus point offers may balance things out for those traveling often. However, for those that do not fly frequently, it would not make sense to apply for this card. Most of the rewards offered are travel-related products and services, which makes this credit card ideal for frequent flyers, especially on Southwest Airlines.
Miles for Dollars: United Airlines Credit Card Review
United Airlines has partnered with Chase to create a new airline credit card, which has special deals on free airline tickets for each eligible dollar spent. The Chase United Mileage Plus Explorer Card also has a special deal for businesses to earn extra travel-related rewards. United even offers special Mileage Plus cards for international customers living outside of the U.S.
Simple Rewards System
United Airlines credit cards utilize a simple rewards system, which is easily understood by anybody. Members earn miles, which are equivalent to miles traveled on a redeemed flight. This is simpler than some other rewards programs which offer points that are equated to some random dollar amount specified by the company. Additionally, Business Card members earn 2 miles on dining, gas, office supply purchases, and tickets purchased from United or Continental.
Bonus Miles
Another great benefit of the United Airlines credit card is the opportunity to earn bonus miles. A single purchase on the credit card will earn 25,000 bonus miles. Also, members making at least $25,000 or more on net purchases in a year will receive 10,000 bonus miles. This offer continues for each year of membership. MileagePlus Explorer cardholders may earn bonus miles for adding other users to their account.
Free Bag Check and Priority Boarding
United Airlines offers MileagePlus cardholders free bag checks and priority boarding for their flights. United Airlines will check-in the first bag for free while boarding flights on United and Continental. Cardholders can also treat their spouses, relatives, friends, or any other travel companions to the same discount. This can save up to $50 per person per round trip. Cardholders will also be given priority boarding, which allows them to board flights before non-cardholders.
Flexibility
The rewards plan is fairly flexible regarding how to redeem earned flyer miles. Members can redeem miles on any dates. Unlike some competitors there are no blackout dates with the United Airlines credit card. Also, miles will never expire, as long as members are up-to-date on paying any fees. Cardholders also have to maintain some activity on their credit cards. However, once a member cancels his or her card the earned miles will become non-redeemable.
Fees and Interest
The credit card’s pricing and terms are definitely the least attractive feature. Although there is no annual membership fee the first year, cardholders will be charged $95 per year for each year afterward. Balance transfers costs 3% of the amount or $5, whichever is greater. Cash advances will cost at least $10 or 3% of the transfer amount. Also, there is no special low introductory rate, which is routinely available from other credit cards.
Although it is probably not the best offer out there, MileagePlus still may be worth an application for those frequently traveling with United Airlines. However, cardholders should avoid making balance transfers or cash advances if possible, due to the high fees. The annual fee after the first year is pretty steep as well. However, it is nice to have priority boarding, especially during high travel seasons. Remember, frequent flyer miles are redeemable even on holidays, since there are no blackout dates.
Racking Up the Miles: Top 5 Credit Cards for Airline Miles
There are many airline credit cards offering travel reward packages. Travelers looking to earn as many miles as possible should carefully inspect each credit card’s offer. Some companies offer more frequent flyer miles than others. Some offer larger bonus mile rewards. Usually each eligible dollar spent is equal to a specified number of airline miles. The number of miles earned per dollar spent varies between one and two miles per dollar.
Capital One Venture Rewards Credit Card
Travelers aiming to earn as many miles per dollar spent as possible may wish to choose Capitol One’s Venture Rewards Credit Card. Capitol One’s program offers two miles for every dollar spent. This offer is good on every purchase at any time. Members can also earn up to 25,000 bonus miles through the Venture Rewards program. Also, the sky’s the limit when it comes to how many miles are redeemable on this airline credit card.
United MileagePlus Explorer Card
Another card offering two miles for every eligible dollar spent is the United MileagePlus Explorer Card. However, only money spent on tickets from United and Continental will earn two miles per dollar. Purchases at all other airlines, only earn one mile per dollar spent. Members can earn up to 40,000 bonus miles. The number of redeemable miles is limitless. Additionally, earned frequent flyer miles never expire.
Delta Airlines Gold Delta SkyMiles Credit Card
Travelers wishing to garner large amounts of frequent flyer miles quickly may find Delta Airline’s credit card program to be a good fit. With the Delta Airlines Gold Delta SkyMiles Credit Card members earn 20,000 bonus miles with their first purchase. Members can also earn 5,000 frequent flyer miles if by adding two card members to their account. Delta Airlines may double frequent
flyer miles on specified flights.
United MileagePlus Explorer Card
Those who prefer flying with United, may want to check out the company’s MileagePlus Explorer Card, which offers two miles for every dollar spent on tickets purchased from United and Continental. The company also offers one mile for every dollar spent at other airlines. Another great feature of this credit card is that members are able to earn up to 40,000 bonus miles through various offers specified by United.
Discover Card Airline Miles Credit Cards
Discover Card offers a way to earn up to 12,000 bonus miles during cardholder’s first year. Discover Card offers two different frequent flyer credit cards: Miles by Discover Card and Escape by Discover Card. Both of these programs offer 1,000 bonus miles for each month that you make a purchase. A member would only have to buy one item, such as a small coffee, in order to earn 1,000 bonus miles for the month.
Choosing the best credit card for airline miles depends upon how quickly a traveler wants to earn miles and how many miles he or she would like to obtain. For example, if someone has already planned a vacation coming up soon, he or she may want to choose the Delta Airline offer. However, if earning miles quickly is not a priority, then that person may wish to consider other factors, such as a credit card’s APR. These top 5 credit cards for airline miles should be a good place to start!
BEST BUSINESS CLASS AIRLINE CREDIT CARDS
The task of choosing the best business credit card to cater to your business preferences need not be difficult and complicated, a lot more options are being offered to business consumers every day. It helps to have preset standards when comparing business cards.
An example – the APR or the twelve-monthly percentage rate, which is the price of maintaining your outstanding credit past the given grace period, must be able to work for you effectively, in such a way that it allows your business to expand your cash flow to finance your operations.
This results in an increase in income, which is then collected from customers during a given billing period. Therefore, a lower APR is helpful, particularly if you have a 60-90 day billing routine.
Another point to take into consideration is the credit limit. In case your business requires many overhead purchases and expenditures, you should go for credit cards with higher credit limits so as not to impact or disrupt your business operations. In deciding the credit limit, credit card providers usually determine your business size, the nature of the business and the cash circulation.
Although there are some card companies that give small to medium credit lines after card acceptance, these credit limits slowly but surely increase over time as your business develops a stable credit history with the company.
Additional offers also needs to be considered. Journey mileage, rebates and cash bank guarantees, APR lowering and waiver of gross annual fees are simply a few of the benefits that could be proposed by the card issuer. To maximize the use of your business card, you should be able to analyze your business spending habits based on the available incentives of your business card. Using your business card might save money in the long run.
These are only a few of the general features you should look for when choosing the best business card. You just have to be patient and analytical when credit card shopping to find the best card for your business.
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