Airline Co-Branded VS Travel Credit Cards

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2019 MILES CREDIT CARDS SHOWDOWN

You may think that co-branded airline credit cards are a must-have for frequent flyers because they offer rewards and sign-up bonuses and are loaded with perks. But have you ever wondered what those perks cost? Have you ever compared how much you could save with an airline credit card vs. a general travel rewards credit card? Well now you can!

Why Travel Credit Cards Beat Airline Cards for Most Travelers?

Customize your spending

TRAVEL CREDIT CARD

AIRLINE CREDIT CARD

Capital One® Venture® Rewards Credit Card
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VS
American Airlines AAdvantage MileUp℠ Card
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card

Bonus Offer

50000 Miles once you spend $3,000 on purchases within 3 months from account opening

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*

Rewards on all Purchases

2 Miles per dollar on every purchase, every day

Earn 1 AAdvantage® miles for every $1 spent on other purchases*

Rewards Expiration

Miles won't expire for the life of the account and there's no limit to how many you can earn

18 months from your last activity date*

Intro APR, Purch

N/A

N/A

Introductory Period (months)

N/A

N/A

Annual Fee

$0 intro for first year; $95 after that

$0*

CALCULATE**

SEE OTHER POPULAR TRAVEL CREDIT CARD OFFERS:

Intro APR, Purch Regular APR, Purch Annual Fee Key Feature
Bonus
Bonus
Capital One® Venture® Rewards Credit Card N/A 17.99% - 25.24% (Variable) $0 intro for first year; $95 after that Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel APPLY
Any Airline
Any Airline
Discover it® Miles *See Terms 0% (14 months) 14.24% - 25.24% Variable $0 INTRO OFFER: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel - $350 for the Miles you’ve earned plus $350 more with your Discover Match®. APPLY
0% Intro APR
0% Intro APR
Capital One® VentureOne® Rewards Credit Card 0% intro on purchases for 12 months 14.24% - 24.24% (Variable) $0 Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel APPLY
Points Transfer Available
Points Transfer Available
Citi Premier℠ Card N/A 18.24% - 26.24% (Variable) $95 Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening APPLY
Rewards
Rewards
Citi Rewards+℠ Card 0% 15 months on Purchases 15.74% - 25.74% (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
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:

Capital One® Venture® Rewards Credit Card
Bonus
Bonus
Intro APR, Purch N/A APPLY
Regular APR, Purch 17.99% - 25.24% (Variable)
Annual Fee $0 intro for first year; $95 after that
Key Feature Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
Discover it® Miles *See Terms
Any Airline
Any Airline
Intro APR, Purch 0% (14 months) APPLY
Regular APR, Purch 14.24% - 25.24% Variable
Annual Fee $0
Key Feature INTRO OFFER: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel - $350 for the Miles you’ve earned plus $350 more with your Discover Match®.
Capital One® VentureOne® Rewards Credit Card
0% Intro APR
0% Intro APR
Intro APR, Purch 0% intro on purchases for 12 months APPLY
Regular APR, Purch 14.24% - 24.24% (Variable)
Annual Fee $0
Key Feature Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
Citi Premier℠ Card
Points Transfer Available
Points Transfer Available
Intro APR, Purch N/A APPLY
Regular APR, Purch 18.24% - 26.24% (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
Citi Rewards+℠ Card
Rewards
Rewards
Intro APR, Purch 0% 15 months on Purchases APPLY
Regular APR, Purch 15.74% - 25.74% (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
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:

Capital One® Venture® Rewards Credit Card
Bonus
Bonus
Intro APR, Purch N/A
Regular APR, Purch 17.99% - 25.24% (Variable)
Annual Fee $0 intro for first year; $95 after that
Key Feature Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
APPLY
Discover it® Miles *See Terms
Any Airline
Any Airline
Intro APR, Purch 0% (14 months)
Regular APR, Purch 14.24% - 25.24% Variable
Annual Fee $0
Key Feature INTRO OFFER: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel - $350 for the Miles you’ve earned plus $350 more with your Discover Match®.
APPLY
Capital One® VentureOne® Rewards Credit Card
0% Intro APR
0% Intro APR
Intro APR, Purch 0% intro on purchases for 12 months
Regular APR, Purch 14.24% - 24.24% (Variable)
Annual Fee $0
Key Feature Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
APPLY
Citi Premier℠ Card
Points Transfer Available
Points Transfer Available
Intro APR, Purch N/A
Regular APR, Purch 18.24% - 26.24% (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
Citi Rewards+℠ Card
Rewards
Rewards
Intro APR, Purch 0% 15 months on Purchases
Regular APR, Purch 15.74% - 25.74% (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
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: June 25, 2019

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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. Cash advance interest rates can be as high as up to 30% and the interest starts accruing on the day of transaction - there is no grace period for cash advances. That means you will pay interest in any case, even if you pay off the card 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 you rcredit 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.

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