Geeky Insights:

Best Airline Credit Cards - October 2020

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DollarGeek's team has spent countless hours researching and analyzing the best credit cards. Start comparing today’s best credit cards and offers, from travel and cash back, to business and balance transfers. We focus on the features that matter: rewards programs, affordable APR, welcome offers and more. Choose a category below and find your best credit card today.

OVERALL RATING:
(4.4)

Citi® / AAdvantage® Executive World Elite™ Mastercard®

BEST FOR: Access to Admiral's Club lounges with American Airlines

Citi® / AAdvantage® Executive World Elite™ Mastercard®

OVERALL RATING:
(4.4)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: 3% (min $5)
  • Regular APR:
    15.99% - 24.99% (Variable Rate)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$450
Purcahse Intro APR
N/A
Regular APR
15.99% - 24.99%
Rewards Rate
1 - 2 miles / $1
Rewards Bonus
50,000 miles
Reward Details:
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
Geeky Insight:
  • No Foreign Transaction Fees on purchases
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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OVERALL RATING:
(4.8)

Chase Sapphire Preferred® Card

BEST FOR: High rewards rates on travel and dining
Geek Approved

Chase Sapphire Preferred® Card

OVERALL RATING:
(4.8)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Regular APR:
    15.99% - 22.99% (Variable Rate)
Compare Card Apply Now on Chase's website
Credit Score Range
690
850
Annual Fee
$95
Purcahse Intro APR
N/A
Regular APR
15.99% - 22.99%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
60,000 points
Reward Details:
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Geeky Insight:
+ SHOW MORE DETAILS
OVERALL RATING:
(5)

Delta SkyMiles® Platinum American Express Card

BEST FOR: Delta flyers + annual companion certificate after your first year

Delta SkyMiles® Platinum American Express Card

OVERALL RATING:
(5)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: 3% (min $5)
  • Regular APR:
    15.74% - 24.74% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$250
Purcahse Intro APR
N/A
Regular APR
15.74% - 24.74%
Rewards Rate
1 - 3 miles / $1
Rewards Bonus
40,000 miles
Reward Details:
  • Earn 40,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • NEW! With Status Boost™, earn 10,000 MQMs after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year, getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different than miles you earn toward flights.
  • NEW! Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • NEW! Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • NEW! Earn 2X Miles at restaurants and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
Geeky Insight:
  • No Foreign Transaction Fees.
  • $250 annual fee.
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OVERALL RATING:
(4.2)

JetBlue Plus Card

BEST FOR: Loyal JetBlue travelers

JetBlue Plus Card

OVERALL RATING:
(4.2)
  • Purchase Intro APR:
    0% for 12 months
  • Transfer Intro APR:
    N/A | Transfer Fee: 3% (min $5)
  • Regular APR:
    15.99% - 24.99% (Variable Rate)
Compare Card Apply Now on Barclays's website
Credit Score Range
720-850
Annual Fee
$99
Purcahse Intro APR
0% for 12 months
Regular APR
15.99% - 24.99%
Rewards Rate
1 - 6 points / $1
Rewards Bonus
40,000 points
Reward Details:
  • Earn 40,000 TrueBlue bonus points after you spend $1,000 on purchases in the first 90 days and payment of annual fee.
  • Receive 5,000 bonus points every year after your account anniversary.
  • Earn 6 points per $1 spent on JetBlue purchases; 2 points per $1 spent at restaurants and grocery stores and 1 point per $1 spent on all other purchases.
  • Redeem for any seat, any time on JetBlue operated flights, along with no blackout dates and points awarded into your account don’t expire.
  • Receive 50% savings on eligible inflight purchases including cocktails and food. Plus, get 10% of your points back every time you redeem for and travel on a JetBlue-operated Award Flight.
  • Free first checked bag for you and up to 3 companions on the same reservation when you use this card to purchase tickets.
  • Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with this card.
Geeky Insight:
  • 0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
  • $0 Fraud Liability protection: You're completely protected against unauthorized use of your card.
  • Enjoy Mosaic benefits for one year after spending $50,000 or more on purchases each calendar year with your card.
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OVERALL RATING:
(4)

Delta SkyMiles® Gold American Express Card

BEST FOR: Loyal Delta travelers

Delta SkyMiles® Gold American Express Card

OVERALL RATING:
(4)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: 3% (min $5)
  • Regular APR:
    15.74% - 24.74% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.74% - 24.74%
Rewards Rate
1 - 2 miles / $1
Rewards Bonus
35,000 miles
Reward Details:
  • Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • NEW! Get ready for your next trip - spend $10,000 in purchases on your Card in a calendar year and receive a $100 Delta Flight Credit to get you there sooner.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
Geeky Insight:
  • Enjoy a $0 introductory annual fee for the first year, then $99.
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OVERALL RATING:
(4.5)

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

BEST FOR: Frequent American Airlines travelers

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

OVERALL RATING:
(4.5)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: N/A
  • Regular APR:
    15.99% - 24.99% (Variable Rate)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.99% - 24.99%
Rewards Rate
1 - 2 miles / $1
Rewards Bonus
70,000 miles
Reward Details:
  • Designed for businesses
  • Limited Time Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
Geeky Insight:
  • No Foreign Transaction Fees
+ SHOW MORE DETAILS

Best Airline Credit Cards Recap

Overall Rating

Best For

Rewards Bonus

Rewards Rate

Annual Fee

(4.4)
Access to Admiral's Club lounges with American Airlines
50,000 miles
1 - 2 miles / $1
$450
(4.8)
High rewards rates on travel and dining
60,000 points
1 - 2 points / $1
$95
(5.0)
Delta flyers + annual companion certificate after your first year
40,000 miles
1 - 3 miles / $1
$250
(4.2)
Loyal JetBlue travelers
40,000 points
1 - 6 points / $1
$99
(4.0)
Loyal Delta travelers
35,000 miles
1 - 2 miles / $1
$0
(4.5)
Frequent American Airlines travelers
70,000 miles
1 - 2 miles / $1
$0

OTHER GEEKY PICKS

From Our Editors

Best for: Delta Loyalist With No Annual Fee

The Delta SkyMiles® Blue American Express Card is a no-annual-fee rewards card that’s best for people with good credit or better who want to save extra at restaurants and on their Delta flights. This card will give you 2 miles per $1 in eligible restaurant and Delta purchases, compared to 1 mile per $1 on all other purchases. New cardholders who spend $500 in the first three months after opening an account also get 10,000 miles, worth roughly $127 in Delta airfare, per our calculations. Plus, the Blue Delta SkyMiles Credit Card provides a 20% statement credit after eligible in-flight purchases: food, beverages and headphones.

Best Airline Credit Cards of October 2020

Gain some clarity on the best airline credit cards with our geeky insight.

BEST FOR: Access to Admiral's Club lounges with American Airlines

Rewards Rate

1 - 2 miles / $1

Rewards Bonus

50,000 miles

Annual Fee

$450

Rewards Details:

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation

Geek Point Of View:

For those who have excellent credit and are frequent American Airlines flyers, the Citi AAdvantage Executive World Elite Mastercard is for you. This card’s main perk is an Admiral’s Club airport lounge membership. If you were to purchase this membership on your own every year you’d be looking at a $400 purchase. While the Admiral’s Club airport lounge is a great perk, this card does come with a big annual fee of $450. The card’s strong initial bonus and free Admiral’s Club airport lounge access could provide cardholders enough value to break even.

Check out some important factors to consider below on the Citi Advantage Executive World Elite Mastercard.

  • Admiral’s Club: This card will give you access to an Admiral’s Club airport lounge membership. This perk alone runs at least $400 if you were to purchase it on your own. The Admiral’s Club access and a nice initial bonus are a great combination, but this card’s value really depends on how often you’ll be using the Admiral’s Club.
  • Big annual fee: This card comes with one of the highest annual fee’s around, a whopping $450. You will have to heavily consider if you’re getting your money’s worth on this card at that price.
  • Initial bonus: You’ll receive a 50,000-mile initial bonus with this card if you spend at least $5,000 within three months of account opening.
  • Ongoing rewards: You’ll get just 2 miles for every $1 in American Airlines purchases that you make and only 1 mile per $1 spent on everything else.
  • No foreign transaction fees: This is a great perk for those who travel.

Bottom line: The Citi AAdvantage Executive World Elite Mastercard can be worth the high annual fee if you use the Admiral’s Club airport lounge enough and are a American Airlines loyalist.

BEST FOR: High rewards rates on travel and dining

Rewards Rate

1 - 2 points / $1

Rewards Bonus

60,000 points

Annual Fee

$95

Rewards Details:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.

Geek Point Of View:

The Chase Sapphire Preferred credit card is one of the top card deals out right now. With everything that the Chase Sapphire Card has going for it, there is no reason to consider this card! If you travel and have fantastic credit, you can have great on-going travel rewards.

To qualify for the big signup bonus, you will need to use at least $4,000 in the first three months of owning this card to qualify. The enormous travel bonus is 60,000 points, which is equivalent to either a $750 travel through Chase or a $600 credit card statement credit.

For those of you who love to get into the details about the benefits cards have to offer here is the nitty gritty on this offer.

Review of the Chase Sapphire Preferred Credit Card:

  • Cash Money: The bonus of up to $750 towards Travel through the Chase Travel Portal after spending a minimum of $4000 in the first 3 months of card ownership or 60,000 travel points or a $600 cash value against your credit card balance.
  • Travel and Food: For every $1 you spend, you earn 2 points for future travel and dining out. You can earn points for just eating, which if you are like most people that’s multiple times a day! Whether you use your points for cash back or travel this card has a great return rate for you! If you prefer the cash option, you receive 2% against your statement balance. If you choose to use your travel rewards, it is 2.5% back. Spending on this card other than food or travel is 1 point for $1 spent.
  • Winning with Lyft: If you use Lyft to get from here to there you will earn 5 points per $1 spent with when riding with Lyft, through March 2022. Who doesn’t love getting extra points for doing what you were going to do anyway! Getting those 3 extra points per $1 spent. That means earning up to 6.25% cash back for riding with Lyft when you pay with your Sapphire Preferred credit card.
  • Annual Fee: This card comes with an annual fee of $95, but the Chase Sapphire Preferred card offers you so much more than $95 worth in cash back options, travel rewards, it should be no trouble at all for anyone to not earn $95 cash back on their card making this fee disappear by just using the card to earn cash back towards your statement balance.
  • Being Average is OK with the Chase Sapphire Preferred Card: Why is average ok? Because an average cardholder will earn at least $1450 within a 2-year period through rewards. Covering not only the annual fee but putting some extra change in your pocket for paying down or paying off your monthly balance.
  • More Food: You get fee free or discounted delivery when you use DoorDash to get your food delivered to your door. Again, if you eat, you will use this benefit! You can get a year’s subscription to the DashPass with DoorDash, you must start your subscription by  12/31/2021.

The bottom line: The Chase Sapphire Preferred credit card is in a category of its own, and one of the top credit cards for a reason. With a big initial bonus and excellent ongoing rewards, this card definitely justifies the annual fee.

APPLY ON THE LINK BELOW:

BEST FOR: Delta flyers + annual companion certificate after your first year

Rewards Rate

1 - 3 miles / $1

Rewards Bonus

40,000 miles

Annual Fee

$250

Rewards Details:

  • Earn 40,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • NEW! With Status Boost™, earn 10,000 MQMs after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year, getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different than miles you earn toward flights.
  • NEW! Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • NEW! Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • NEW! Earn 2X Miles at restaurants and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.

Geek Point Of View:

BEST FOR: Loyal JetBlue travelers

Rewards Rate

1 - 6 points / $1

Rewards Bonus

40,000 points

Annual Fee

$99

Rewards Details:

  • Earn 40,000 TrueBlue bonus points after you spend $1,000 on purchases in the first 90 days and payment of annual fee.
  • Receive 5,000 bonus points every year after your account anniversary.
  • Earn 6 points per $1 spent on JetBlue purchases; 2 points per $1 spent at restaurants and grocery stores and 1 point per $1 spent on all other purchases.
  • Redeem for any seat, any time on JetBlue operated flights, along with no blackout dates and points awarded into your account don’t expire.
  • Receive 50% savings on eligible inflight purchases including cocktails and food. Plus, get 10% of your points back every time you redeem for and travel on a JetBlue-operated Award Flight.
  • Free first checked bag for you and up to 3 companions on the same reservation when you use this card to purchase tickets.
  • Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with this card.

Geek Point Of View:

APPLY ON THE LINK BELOW:

BEST FOR: Loyal Delta travelers

Rewards Rate

1 - 2 miles / $1

Rewards Bonus

35,000 miles

Annual Fee

$0

Rewards Details:

  • Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • NEW! Get ready for your next trip - spend $10,000 in purchases on your Card in a calendar year and receive a $100 Delta Flight Credit to get you there sooner.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.

Geek Point Of View:

BEST FOR: Frequent American Airlines travelers

Rewards Rate

1 - 2 miles / $1

Rewards Bonus

70,000 miles

Annual Fee

$0

Rewards Details:

  • Designed for businesses
  • Limited Time Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases

Geek Point Of View: