Airline Co-Branded VS Travel Credit Cards

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2020 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

Citi Rewards+℠ Card
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card
VS
American Airlines AAdvantage MileUp℠ Card
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card

Intro APR, Purch

0%

N/A

Introductory Period (months)

15 months on Purchases

N/A

Regular APR

13.49% - 23.49% (Variable)

15.99% - 24.99% (Variable)

Annual Fee

$0

$0

Rewards Expiration

Points do not expire*

Miles expire after 18 months from your last activity date*

CALCULATE**

SEE OTHER POPULAR TRAVEL CREDIT CARD OFFERS:

Intro APR, Purch Regular APR, Purch Annual Fee Key Feature
0% Intro APR
0% Intro APR
Citi Rewards+℠ Card 0% (15 months on Purchases) 13.49% - 23.49% (Variable) $0 The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. 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
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
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
Bonus
Bonus
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
No Foreign Fee Card
No Foreign Fee Card
Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card 0% (12 months on Purchases) 12.90% - 22.90% Variable APR $0 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness 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:

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+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
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
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.
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®
Bonus
Bonus
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
Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
No Foreign Fee Card
No Foreign Fee Card
Intro APR, Purch 0% (12 months on Purchases) APPLY
Regular APR, Purch 12.90% - 22.90% Variable APR
Annual Fee $0
Key Feature 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
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:

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+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
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
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
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®
Bonus
Bonus
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
Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
No Foreign Fee Card
No Foreign Fee Card
Intro APR, Purch 0% (12 months on Purchases)
Regular APR, Purch 12.90% - 22.90% Variable APR
Annual Fee $0
Key Feature 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
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: October 20, 2020

RELATED USER QUESTIONS

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Getting a travel rewards card is a great idea. These cards both come with high rewards on travel spendings. For example, you will earn 2x AAdvantage miles on American Airlines purchases with both cards, but the American Airlines AAdvantage MileUp Card will also give you 2x miles for each $1 spent at grocery stores, including grocery...

We all hear a lot about airlines miles and points and how vivid a life you're going to have once you start collecting miles. And while this frequent flyer miles science may seem confusing and complicated, in fact it's a piece of cake and everyone can learn how to earn for travel using credit cards. So, here we are to explain how travel credit cards work. Co-branded credit cards The first...

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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.

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

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