Travel enthusiasts know that the right airline credit card can unlock a wealth of perks—from free flights to lounge access and priority boarding. In this article, we’ll explore the best airline credit cards of 2025, compare rewards programs, and help you find the perfect fit for your travel lifestyle. We’ll also address frequently asked questions like “What is the best airline credit card?” and how to maximize your airline credit card rewards.
What is the Best Airline Credit Card?
Airline credit cards provide travelers with miles, points, or cash-back rewards for every dollar spent. Some cards are co-branded with specific airlines and offer loyalty perks such as free checked bags, while others feature transferable rewards points that can be redeemed across multiple airlines and travel partners.
The best card depends on your travel habits: Are you loyal to a specific airline? Or do you prefer maximum flexibility with your points?
Top Airline Credit Cards for 2025–A Quick Comparison
Below is a snapshot of some of the top-rated cards for various types of travelers:
| Annual Fee | Rewards Rate | Best For | |
| Chase Sapphire Preferred® | $95 | 5x on travel via Chase, 2x elsewhere | Flexible rewards with airlines and hotels |
| Delta SkyMiles® Reserve Amex | $550 | 3x on Delta purchases, 1x elsewhere | Frequent Delta flyers |
| Southwest Rapid Rewards® Priority | $149 | 3x on Southwest, 2x on transit | Families and domestic travel |
| United℠ Explorer Card | $0 intro, $99 after first year | 2x on United, dining, hotels | International travelers |
| Amex Platinum® | $695 | 5x on flights, 1x elsewhere | Luxury travel and premium perks |
Best Airline Credit Card Rewards
Airline credit card rewards can vary significantly between cards. Some cards offer general rewards that you can transfer to multiple airlines, while others provide exclusive airline perks.
- Co-branded airline cards: Earn miles that can only be used with the associated airline (e.g., Delta SkyMiles Reserve Amex).
- General travel cards: Earn points or miles that are transferable to different airlines and hotels (e.g., Chase Sapphire Preferred).
- Reward rates: Many airline cards offer 2x to 5x points for travel-related purchases, including airfare, hotels, and dining. Cards like the Amex Platinum even offer 10x on hotels and car rentals via their travel portal.
Sign-up bonuses are another highlight. Some cards offer as many as 80,000 miles after meeting a minimum spending requirement, which could be worth over $800 in travel.
Key Perks to Look for in an Airline Credit Card
Here’s what to prioritize when choosing an airline card:
- Free Checked Bags and Priority Boarding
Many co-branded airline cards waive baggage fees, saving $30+ per flight segment. Cards like the United Explorer and Citi® / AAdvantage® Platinum Select® also offer early boarding for cardholders. - Airport Lounge Access
Premium cards such as the Amex Platinum provide access to over 1,400 lounges worldwide, including the Centurion and Delta Sky Clubs. - Travel Insurance and Purchase Protection
Cards like the Chase Sapphire Preferred® come with trip delay insurance, primary car rental coverage, and lost luggage reimbursement—valuable for frequent travelers. - Annual Credits and Statement Rebates
Some cards offer travel credits, such as the Amex Platinum’s $200 airline fee credit, which offsets incidental airline expenses. Other cards offer discounts on in-flight purchases, Wi-Fi, and food.
Co-Branded Airline Cards vs. General Travel Rewards Cards
When deciding between a co-branded airline card and a general travel rewards card, consider these factors:
- Co-Branded Airline Cards
- Best if you are loyal to a specific airline.
- Perks include free checked bags, priority boarding, and in-flight discounts.
- Examples: Delta SkyMiles Reserve Amex, United Explorer Card.
- General Travel Rewards Cards
- Ideal for those who fly with multiple airlines.
- Earn points that can transfer to various travel partners, maximizing flexibility.
- Examples: Chase Sapphire Preferred, Capital One Venture Rewards.
Find the Best Airline Credit Card for Your Travel Needs
Choosing the best airline credit card depends on your travel habits and spending preferences. Whether you’re looking for luxurious lounge access, flexible rewards, or simple perks like free checked bags, there’s a card tailored to your needs. Evaluate the rewards structure, perks, and annual fees carefully to make an informed decision.
