Airline Co-Branded VS Travel Credit Cards

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2018 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

Discover it® Miles
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card
VS
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
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card

Intro APR, Purch

0%

N/A

Introductory Period (months)

14 months

N/A

Regular APR

13.99% - 24.99% Variable

17.99% - 25.99%* (Variable)

Annual Fee

$0

$99, waived for first 12 months*

Bonus Offer

INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!

Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*

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 0% (14 months) 13.99% - 24.99% 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 30,000 Miles, you get 60,000 Miles. That's $600 towards travel! APPLY
0% Intro APR
0% Intro APR
Capital One® VentureOne® Rewards Credit Card 0% intro on purchases for 12 months 13.74% - 23.74% (Variable) $0 Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel APPLY
Bonus
Bonus
Capital One® Venture® Rewards Credit Card N/A 14.74% - 24.74% (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
No Foreign Fee Card
No Foreign Fee Card
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® N/A 17.99% - 25.99%* (Variable) $99, waived for first 12 months* Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening* APPLY
Points Transfer Available
Points Transfer Available
Citi Premier℠ Card N/A 16.49% - 25.49%* (Variable) $95, waived for first 12 months* Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening APPLY
World Elite Mastercard
World Elite Mastercard
Barclaycard Arrival Plus® World Elite Mastercard® See Rates & Fees N/A 17.99%, 21.99% or 24.99% variable based on your creditworthiness $89 (waived first year) Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days APPLY
Rewards
Rewards
American Airlines AAdvantage MileUp℠ Card N/A 17.99% - 25.99%* (Variable) $0* NEW: 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

SEE OTHER POPULAR TRAVEL CREDIT CARD OFFERS:

Discover it® Miles
Any Airline
Any Airline
Intro APR, Purch 0% (14 months) APPLY
Regular APR, Purch 13.99% - 24.99% 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 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
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 13.74% - 23.74% (Variable)
Annual Fee $0
Key Feature Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
Capital One® Venture® Rewards Credit Card
Bonus
Bonus
Intro APR, Purch N/A APPLY
Regular APR, Purch 14.74% - 24.74% (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
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
No Foreign Fee Card
No Foreign Fee Card
Intro APR, Purch N/A APPLY
Regular APR, Purch 17.99% - 25.99%* (Variable)
Annual Fee $99, waived for first 12 months*
Key Feature Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*
Citi Premier℠ Card
Points Transfer Available
Points Transfer Available
Intro APR, Purch N/A APPLY
Regular APR, Purch 16.49% - 25.49%* (Variable)
Annual Fee $95, waived for first 12 months*
Key Feature Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Barclaycard Arrival Plus® World Elite Mastercard® See Rates & Fees
World Elite Mastercard
World Elite Mastercard
Intro APR, Purch N/A APPLY
Regular APR, Purch 17.99%, 21.99% or 24.99% variable based on your creditworthiness
Annual Fee $89 (waived first year)
Key Feature Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
American Airlines AAdvantage MileUp℠ Card
Rewards
Rewards
Intro APR, Purch N/A APPLY
Regular APR, Purch 17.99% - 25.99%* (Variable)
Annual Fee $0*
Key Feature NEW: 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*

SEE OTHER POPULAR TRAVEL CREDIT CARD OFFERS:

Discover it® Miles
Any Airline
Any Airline
Intro APR, Purch 0% (14 months)
Regular APR, Purch 13.99% - 24.99% 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 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
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 13.74% - 23.74% (Variable)
Annual Fee $0
Key Feature Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
APPLY
Capital One® Venture® Rewards Credit Card
Bonus
Bonus
Intro APR, Purch N/A
Regular APR, Purch 14.74% - 24.74% (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
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
No Foreign Fee Card
No Foreign Fee Card
Intro APR, Purch N/A
Regular APR, Purch 17.99% - 25.99%* (Variable)
Annual Fee $99, waived for first 12 months*
Key Feature Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*
APPLY
Citi Premier℠ Card
Points Transfer Available
Points Transfer Available
Intro APR, Purch N/A
Regular APR, Purch 16.49% - 25.49%* (Variable)
Annual Fee $95, waived for first 12 months*
Key Feature Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
APPLY
Barclaycard Arrival Plus® World Elite Mastercard® See Rates & Fees
World Elite Mastercard
World Elite Mastercard
Intro APR, Purch N/A
Regular APR, Purch 17.99%, 21.99% or 24.99% variable based on your creditworthiness
Annual Fee $89 (waived first year)
Key Feature Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
APPLY
American Airlines AAdvantage MileUp℠ Card
Rewards
Rewards
Intro APR, Purch N/A
Regular APR, Purch 17.99% - 25.99%* (Variable)
Annual Fee $0*
Key Feature NEW: 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
Updated: December 12, 2018

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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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