Airline Rewards Cards Without the Fee

Frequent fliers can now sign up for a dedicated airline credit card from a major airline without paying up front. Delta and United have introduced no-fee cards that offer miles or credits that cardholders can redeem for flight purchases. The American Express Blue Delta SkyMiles card (16.74% to 25.74% annual percentage rate; 2.7% foreign-transaction fee) offers two SkyMiles per dollar spent on Delta purchases and at U.S. restaurants; other purchases earn one mile per dollar. Cardholders also get a 20% discount on in-flight purchases. By contrast, Delta’s Gold Delta SkyMiles card ($95 annual fee) pays out only one mile per dollar on dining, but it offers perks such as free baggage and priority boarding, and it charges no fee for foreign transactions.

The Best Rewards Credit Cards, 2017

Rather than rewarding you with United MileagePlus miles, the no-fee Chase United TravelBank card (16.99% to 23.99%; no foreign-transaction fee) offers cash back that you can use to purchase United flights. You’ll earn 2% back on United ticket purchases and 1.5% on all other spending. Plus, cardholders get 25% off in-flight food and beverage purchases.

Even if your preferred carrier doesn’t advertise a no-fee credit card, you may be able to bypass the fee. “It never hurts to ask if there’s a no-fee or low-fee alternative,” says Brian Karimzad, analyst for MileCards.com. For example, the no-fee Citi/AAdvantage Bronze MasterCard from American Airlines is generally not available to new applicants. But the issuer may be willing to give the card to customers who ask—especially those who already hold another of the airline’s cards. If your airline card has an annual fee, the issuer may waive it for a year on request instead of downgrading you to a no-fee version.

From just $107.88 $24.99 for Kiplinger Personal Finance

Become a smarter, better informed investor. Subscribe from just ~~$107.88~~ $24.99, plus get up to 4 Special Issues

CLICK FOR FREE ISSUE

https://cdn.mos.cms.futurecdn.net/flexiimages/y99mlvgqmn1763972420.png

Sign up for Kiplinger’s Free Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

How to Get Even Sweeter Rewards From Your Rewards Credit Card

Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.