Airline Co-Branded VS Travel Credit Cards

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2021 MILES CREDIT CARD SHOWDOWN

One may believe that co-branded airline credit cards are must have for frequent flyers. For example, CheapOair members should have a CheapOair credit card. Such cards give good rewards, sign-up bonuses and are loaded with travel perks. However, that is on the surface and things may be different when you dig into the subject.

Why Travel Credit Cards Beat Airline Cards for Most Travelers?

Customize your spending

TRAVEL CREDIT CARD

AIRLINE CREDIT CARD

Discover it® Miles
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card
VS
CheapOAir Visa Credit Card
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card

Intro APR, Purch

0% Intro APR

No intro APR9

Introductory Period (months)

14 months

No9

Regular APR

11.99% - 22.99% Variable APR

15.99% - 25.99% Variable9

Annual Fee

$0 *See Terms

$09

Rewards Expiration

Rewards never expire

Points will not expire as long as a Qualifying Purchase was made through your CheapOair or OneTravel Rewards Program account at least once every two years9

CALCULATE**

SEE OTHER POPULAR TRAVEL CREDIT CARD OFFERS:

Intro APR, Purch Regular APR, Purch Annual Fee Key Feature
Any Airline
Any Airline
Discover it® Miles *See Terms 0% Intro APR (14 months on Purchases) 11.99% - 22.99% Variable APR $0 UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. APPLY
0% Intro APR
0% Intro APR
Citi Rewards+® Card 0% (15 months on Purchases) 13.49% - 23.49% (Variable) $0 The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. APPLY
Bonus
Bonus
Citi Premier® Card N/A 15.99% - 23.99% (Variable) $95 Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening APPLY
No Foreign Fee Card
No Foreign Fee Card
Discover it® chrome *See Terms 0% (14 months on Purchases) 11.99% - 22.99% Variable APR $0 INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. APPLY
Hot Deal
Hot Deal
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® N/A 15.99% - 24.99% (Variable) $99, waived for first 12 months Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening APPLY
Rewards
Rewards
American Airlines AAdvantage MileUp℠ Card N/A 15.99% - 24.99% (Variable) $0 Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening APPLY
VIP Benefits
VIP Benefits
Citi® / AAdvantage® Executive World Elite Mastercard® N/A 15.99% - 24.99% (Variable) $450 Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening APPLY
Business
Business
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® N/A 15.99% - 24.99% (Variable) $99, waived for first 12 months Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. APPLY
These Credit Offers are Only for People with Excellent or Good Credit History.
Have Limited or No Credit History? Click here! Have Bad Credit History? Click here!

SEE OTHER POPULAR TRAVEL CREDIT CARD OFFERS:

Discover it® Miles *See Terms
Any Airline
Any Airline
Intro APR, Purch 0% Intro APR (14 months on Purchases) APPLY
Regular APR, Purch 11.99% - 22.99% Variable APR
Annual Fee $0
Key Feature UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Citi Rewards+® Card
0% Intro APR
0% Intro APR
Intro APR, Purch 0% (15 months on Purchases) APPLY
Regular APR, Purch 13.49% - 23.49% (Variable)
Annual Fee $0
Key Feature The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Citi Premier® Card
Bonus
Bonus
Intro APR, Purch N/A APPLY
Regular APR, Purch 15.99% - 23.99% (Variable)
Annual Fee $95
Key Feature Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Discover it® chrome *See Terms
No Foreign Fee Card
No Foreign Fee Card
Intro APR, Purch 0% (14 months on Purchases) APPLY
Regular APR, Purch 11.99% - 22.99% Variable APR
Annual Fee $0
Key Feature INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Hot Deal
Hot Deal
Intro APR, Purch N/A APPLY
Regular APR, Purch 15.99% - 24.99% (Variable)
Annual Fee $99, waived for first 12 months
Key Feature Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
American Airlines AAdvantage MileUp℠ Card
Rewards
Rewards
Intro APR, Purch N/A APPLY
Regular APR, Purch 15.99% - 24.99% (Variable)
Annual Fee $0
Key Feature Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Citi® / AAdvantage® Executive World Elite Mastercard®
VIP Benefits
VIP Benefits
Intro APR, Purch N/A APPLY
Regular APR, Purch 15.99% - 24.99% (Variable)
Annual Fee $450
Key Feature Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Business
Business
Intro APR, Purch N/A APPLY
Regular APR, Purch 15.99% - 24.99% (Variable)
Annual Fee $99, waived for first 12 months
Key Feature Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
These Credit Offers are Only for People with Excellent or Good Credit History.
Have Limited or No Credit History? Click here! Have Bad Credit History? Click here!

SEE OTHER POPULAR TRAVEL CREDIT CARD OFFERS:

Discover it® Miles *See Terms
Any Airline
Any Airline
Intro APR, Purch 0% Intro APR (14 months on Purchases)
Regular APR, Purch 11.99% - 22.99% Variable APR
Annual Fee $0
Key Feature UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
APPLY
Citi Rewards+® Card
0% Intro APR
0% Intro APR
Intro APR, Purch 0% (15 months on Purchases)
Regular APR, Purch 13.49% - 23.49% (Variable)
Annual Fee $0
Key Feature The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
APPLY
Citi Premier® Card
Bonus
Bonus
Intro APR, Purch N/A
Regular APR, Purch 15.99% - 23.99% (Variable)
Annual Fee $95
Key Feature Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
APPLY
Discover it® chrome *See Terms
No Foreign Fee Card
No Foreign Fee Card
Intro APR, Purch 0% (14 months on Purchases)
Regular APR, Purch 11.99% - 22.99% Variable APR
Annual Fee $0
Key Feature INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
APPLY
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Hot Deal
Hot Deal
Intro APR, Purch N/A
Regular APR, Purch 15.99% - 24.99% (Variable)
Annual Fee $99, waived for first 12 months
Key Feature Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
APPLY
American Airlines AAdvantage MileUp℠ Card
Rewards
Rewards
Intro APR, Purch N/A
Regular APR, Purch 15.99% - 24.99% (Variable)
Annual Fee $0
Key Feature Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
APPLY
Citi® / AAdvantage® Executive World Elite Mastercard®
VIP Benefits
VIP Benefits
Intro APR, Purch N/A
Regular APR, Purch 15.99% - 24.99% (Variable)
Annual Fee $450
Key Feature Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
APPLY
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Business
Business
Intro APR, Purch N/A
Regular APR, Purch 15.99% - 24.99% (Variable)
Annual Fee $99, waived for first 12 months
Key Feature Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
APPLY
These Credit Offers are Only for People with Excellent or Good Credit History.
Have Limited or No Credit History? Click here! Have Bad Credit History? Click here!
Updated: May 11, 2021

RELATED USER QUESTIONS

You can find all information about CheapOair credit card on the company's website. Note that you won't be able to choose which card to apply. The issuer will approve for a card based on your credit worthiness and it can be CheapOair Credit Card, CheapOair Visa card, or CheapOair Visa Signature card. If you are looking to apply for the Visa Signature card, we would recommend you to consider...

It may be worth applying for the CheapOair credit card if you always book your flights using that agency and use other services it offers. Also, you should have a good habit of paying off your credit card balances in full each month as CheapOair credit cards come with rather high interest rates, especially for someone with excellent credit. If you are looking for a credit card to save on your...

You can apply for a travel rewards credit card. Most travel rewards come with a $0 foreign transaction fee. Plus, such cards come with an EMV chip embedded in them, which guarantees acceptance abroad and adds an additional layer of security to all credit card transactions. As you can see from the name, the cars will allow you to earn rewards on all your purchases and redeem them for travel, which...

There are three CheapOair credit card offered by cheapoair.com and Synchrony Bank. Since your credit is fair, you may qualify for the CheapOair credit card or for the CheapOair Visa credit card. The first card can only be used at CheapOair and you won't be able to use it anywhere else. Also, it comes with a high 27.24% APR. The second card can be used everywhere Visa cards are accepted but the...

HOW TO SAVE MORE WITH A TRAVEL CREDIT CARD?

Never carry the balance
1

Never carry the balance

It is recommended to never carry the balance on a travel rewards credit card to get the most out of earned rewards. When you carry the balance on your credit card, you are charged interest. Depending on the transactions, you may be charged interest on purchases, cash advances and balance transfers. If you pay your bill in full every month, you can avoid paying interest on purchases and thus save hundreds of dollars. In addition to paying off your card balance, try to make all monthly payments on time. Paying late your credit card bill can result in a penalty fee and APR. Average late payment fees range between $25 and $37, and penalty APRs may go up to 39%.

Never withdraw cash
2

Never withdraw cash

That's the most expensive transaction you can do with your credit card, especially when you withdraw cash while traveling abroad. The cash advance interest rates can be as high as up to 30%. For example, the CheapOair credit card charges 29.99%9 cash advance APR. The cash advance APR starts accruing on the day of transaction. That means you will pay interest in any case, even if you pay off the balance next day. Add here cash advance fees which are charged for each transaction performed, ATM fees (some ATMs do charge fees) and you may get a jaw-dropping bill.

Never lose rewards
3

Never lose rewards

When yourcredit card allows you to earn miles, points or cash back on your purchases, make sure you know everything about terms and conditions of the rewards program. Know where you will earn biggest rewards, and if there are rotating categories, make sure you don't forget to enroll. Another important thing to be aware of is redemption terms. Many cards, especially co-branded airline cards, allow earning miles fast but members find it difficult to redeem them because of restrictions that are set by airlines. And when you cannot redeem your miles, they can expire or sit in your rewards balance forever.

**The tool is designed by Credit-Land.com for informational purposes only and it is not provided or sponsored by any of our partners. The results provided by this tool are hypothetical and are not influenced by payment considerations. The default calculation is based on data applicable to an average U.S. consumer. Credit-Land.com is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by its tools.

+Please see the card's Terms & Conditions for more details of redemption conditions.

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