Airline Credit Cards

In the interest of full disclosure, One Mile At A Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out my advertiser policy for further details about our partners, including American Express, Chase, and Citi, and thanks for your support!

Airline-specific cards can be great for the perks, but you can often earn more miles by using a flexible points card and transferring the points to your airline program as needed.

Current Offer: 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days.
3%
Foreign Transaction Fee

The Alaska Airlines Visa Signature® card

Card Bonuses: 3x miles on Alaska purchases; Coach Companion Fare every year from $121(USD) ($99, plus taxes and fees from $22). Free checked bag for you and up to six other passengers on your reservation.
Apply Now
on BOA's secure site
Why we like this card: Alaska miles are very valuable, and while this isn’t a large bonus, the companion certificate presents an incredible value for Alaska flyers.
$75
Annual Fee
Current Offer: 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days.
3%
Foreign Transaction Fee

Alaska Airlines Visa Business Card®

Card Bonuses: 3x miles on Alaska purchases; Coach Companion Fare every year from $121(USD) ($99, plus taxes and fees from $22). Free checked bag for you and up to six other passengers on your reservation.
Apply Now
on BOA's secure site
Why we like this card: Alaska miles are very valuable, and while this isn’t a large bonus, the companion certificate presents an incredible value for Alaska flyers.
$50 per company, $25 per card
Annual Fee
Current Offer:Earn 30,000 American Airlines AAdvantage® bonus miles after spending $1,000 within the first 3 months of account opening.
$0
Foreign Transaction Fee

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Card Bonuses: 2x miles for every $1 spent on American; 1x point on everything else.
Apply Now
on Citi's secure site
Why we like this card: This card gives you a 10% rebate when you redeem AAdvantage miles, and often has targeted spend bonuses throughout the year. Your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.
$0 annual fee for the first 12 months, then $95
Current Offer:Earn 30,000 American Airlines AAdvantage® bonus miles after spending $1,000 within the first 3 months of account opening.
$0
Foreign Transaction Fee

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Card Bonuses: 2x miles for every $1 spent on American; 2x points at certain office supply, telecommunications and car rental merchants– and at gas stations after 11/15/15; 1x point on everything else.
Apply Now
on Citi's secure site
Why we like this card: These miles can be pooled with any miles you’re earning on your personal account. The card also offers a 5% annual bonus on all purchases upon account anniversary.
$0 annual fee for the first 12 months, then $95
Current Offer: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening.
$0
Foreign Transaction Fee

Citi® / AAdvantage® Executive World Elite™ Mastercard®

Card Bonuses: 2x miles for every $1 spent on eligible American Airlines purchases; 1x point on everything else; potential to earn 10,000 AAdvantage Elite Qualifying Miles every calendar year; First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation.
Apply Now
on Citi's secure site
Why we like this card: This card gives you a full Admirals Club Membership with guest privileges, in addition to complimentary Admirals Club® Lounge access for authorized users.
$450
Annual Fee
Current Offer: 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening.
0%
Foreign Transaction Fee

British Airways Visa Signature® Card

Card Bonuses: Earn Avios on every purchase and 3 Avios per $1 on British Airways purchases.
Read Our Review
Why we like this card: British Airways has a distance based award chart which is extremely lucrative for shorthaul travel, as awards outside North America start at just 4,500 Avios one-way. Given that short flights are often disproportionately expensive when paying cash, I’ve found Avios to be invaluable.
$95
Annual Fee
Current Offer: Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months. Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
0%
Foreign Transaction Fee

Gold Delta SkyMiles® Credit Card from American Express

Card Bonuses: Get double miles on direct Delta purchases and one mile for each dollar on all other eligible purchases.
$0 intro annual fee for the first year, then $95
Apply Now
on American Express' secure site
Why we like this card: The American Express Membership Rewards cards are generally a better option for accruing Delta SkyMiles, but the MQD requirement for the qualification year will be waived if you make at least $25,000 in Eligible Purchases in that year with your Delta SkyMiles Credit Card.Terms & limitations apply.
Current Offer: Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months. Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
0%
Foreign Transaction Fee

Platinum Delta SkyMiles® Business Credit Card from American Express

Card Bonuses: Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
$195
Annual Fee
Apply Now
on American Express' secure site
Why we like this card: The American Express Membership Rewards cards are generally a better option for accruing Delta SkyMiles, but if you need the MQMs this card is worth considering. The MQD requirement for the qualification year will be waived if you make at least $25,000 in Eligible Purchases in that year with your Delta SkyMiles Credit Card.Terms & limitations apply.
Current Offer: Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months. Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
0%
Foreign Transaction Fee

Gold Delta SkyMiles® Business Credit Card from American Express

Card Bonuses: Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
$0 introductory annual fee for the first year, then $95
Apply Now
on American Express' secure site
Why we like this card: The American Express Membership Rewards cards are generally a better option for accruing Delta SkyMiles, but the MQD requirement for the qualification year will be waived if you make at least $25,000 in Eligible Purchases in that year with your Delta SkyMiles Credit Card.Terms & limitations apply.
Current Offer: Earn 30,000 bonus points after you spend $1,000 in purchases within the first 90 days.
0%
Foreign Transaction Fee

JetBlue Plus Card

Card Bonuses: 6x points on jetBlue purchases, 2x points at restaurants and grocery stores, 1x points on all other purchases. You also earn 5,000 bonus points every year after your account anniversary, and get 10% of your points back every time you redeem to use toward your next redemption. Enjoy Mosaic benefits for one year after you spend $50,000 or more on purchases after your anniversary date.
Apply Now
on Barclaycard's secure site
Why we like this card: This is a solid card for jetBlue flyers, particularly given the bonus points offered on restaurant and grocery purchases. This is also a true chip+pin card, which combined with the lack of foreign transaction fees make this card a good choice for international travelers.
$99
Annual Fee
Current Offer: Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
0%
Foreign Transaction Fee

JetBlue Card

Card Bonuses: 3x points on jetBlue purchases, 2x points at restaurants and grocery stores, 1x points on all other purchases.
Apply Now
on Barclaycard's secure site
Why we like this card: This is a solid card for jetBlue flyers, particularly given the bonus points offered on restaurant and grocery purchases. This is also a true chip+pin card, which combined with the lack of foreign transaction fees make this card a good choice for international travelers.
$0
Annual Fee
Current Offer: Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open
3.00%
Foreign Transaction Fee

Southwest Rapid Rewards® Plus Credit Card

Card Bonuses: 2 points per $1 spent on Southwest® and Rapid Rewards® purchases and participating Hotel and Car Rental partners. 1 point per $1 spent on all other purchases.

Apply Now
on Chase's secure site
Why we like this card: Southwest’s Rapid Rewards program is revenue based, so 50,000 points will get you quite a bit of credit towards travel on Southwest. While Rapid Rewards points aren’t the most aspirational currency, they are extremely practical. This sign-up bonus can be especially valuable if you’re going for Southwest Companion Pass.
$69
Annual Fee
Current Offer: Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open, plus earn 6,000 bonus points after your Cardmember anniversary.
0%
Foreign Transaction Fee

Southwest Rapid Rewards® Premier Credit Card

Card Bonuses: 2 points per $1 spent on Southwest® and Rapid Rewards® purchases and participating Hotel and Car Rental partners. 1 point per $1 spent on all other purchases.
Read Our Review
Why we like this card: Southwest’s Rapid Rewards program is revenue based, so 50,000 points will get you quite a bit of credit towards travel on Southwest. While Rapid Rewards points aren’t the most aspirational currency, they are extremely practical. This sign-up bonus can be especially valuable if you’re going for Southwest Companion Pass.
$99 annual fee applied to your first billing statement
Current Offer: Earn 50,000 points after you spend $3,000 on purchases in the first 3 months your account is open, plus earn 6,000 bonus points after your Cardmember anniversary.
0%
Foreign Transaction Fee

Southwest Rapid Rewards® Premier Business Credit Card

Card Bonuses: 2 points per $1 spent on Southwest® and Rapid Rewards® purchases and participating Hotel and Car Rental partners. 1 point per $1 spent on all other purchases.
Read Our Review
Why we like this card: Southwest’s Rapid Rewards program is revenue based, so 50,000 points will get you quite a bit of credit towards travel on Southwest. While Rapid Rewards points aren’t the most aspirational currency, they are extremely practical. This sign-up bonus can be especially valuable if you’re going for Southwest Companion Pass.
$99 annual fee applied to your first billing statement
Current Offer: Special offer: 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
0%
Foreign Transaction Fee

United MileagePlus® Explorer Card

Card Bonuses: Earn 2 miles per $1 spent on tickets purchased from United, and 1 mile per $1 spent on all other purchases

Apply Now
on Chase's secure site
Why we like this card: This is a great sign-up bonus, and the card comes with some worthwhile benefits for United flyers, especially the PQD waiver for $25k in annual spend.
$95
Annual Fee

Non-Affiliate Product Disclaimer: The information for the British Airways Visa Signature® Card has been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.

Regarding Comments: Neither this post, nor the comments, are provided by the Issuing bank, or any other advertiser. The comments on this page are not endorsed by any advertiser, and it is not the bank or advertiser's responsibility to ensure posts and/or questions are answered.

Comments

  1. Hey Lucky, I have the US Barclay card for 40K miles. But I paid my minimum payment plus the $89 annual fee and they only gave me 30K miles. Shouldnt I be getting the full 40K?

  2. @ AH — Yes, if you used a link for a 40,000 mile card then you should get that bonus. Have you tired calling them to see what’s going on?

  3. Hey Lucky, explain me one thing since last 2-3 months US air has been advertising 40K miles signup, thats the period I had signed up. Now they’re arguing it was only 30K. I know my credit score is excellent so I don’t get why they’re lowballing me.

  4. @ AH — If you signed up for the 40K offer then that’s what you should get. Did you maybe apply through a link that was only for 30K?

  5. are you sure the extra 10,000 mile bonus isn’t for something like balance transfer? some cards give a base bonus for minimum spending then added bonus for a balance transfer or adding a second card user.

  6. What exactly is required to “churn” the Alaska Airlines card? Is it a new application resulting in multiple credit card accounts? I currently have the Alaska card. I’d love to get some more info on this.

    Also, is the a hit to your credit score for can selling cards, or just the 2-3 point hit per new application?

  7. Hi Lucky,
    I am relatively new to the credit card miles game. I currently have the BofA Alaska card and would like to cancel it and re-apply for it to get the bonus but I have had the card for years and it is my oldest credit history and has the highest credit limit of any of my cards. Is it worth keeping, forgoing the bonus for a new card, and paying the annual fee just for it’s benefit to my credit score? I currently have 9 open cards, four older cards that I have had for well over 2 years each and five new cards opened within the past 6 months. I plan to cancel or downgrade most of them within the next year as the annual fees come due. Any insight would be appreciated. Thanks!

  8. @ Bill — You don’t have to choose. You can actually pick up another Alaska Card while you still have the current one open. So I would keep it open (assuming you use the companion certificate) but also pick up another one.

  9. Hi Lucky,
    Ok, good to know! I rarely make use of the companion ticket so it is not much of an offset to the annual fee but I might keep it. Good to know I can get another in the meantime though, thanks!

  10. Hey Lucky. I am thinking of getting the US Airways card for the 40K bonus. I have stopped flying them when they left Star Alliance but think its a pretty good offer for an easy 40K. Do you think the companion pass will survive with the merger and what would get the best way to use the 40K for premium cabin only. I plan on only getting this card for the bonus and then ditching it. Thanks.

  11. @ Justin — Well the miles will combine with American miles in the second quarter of next year, so I’d hold onto them until they combine.

    I wouldn’t count on the companion pass sticking around, however.

  12. Thanks for all your help Lucky. Another question: If I apply for a US Airways Card for 40,000 and American for 50,000, will it combine for 90,000 after the merger? or does miles from one account disappear when they reissue the US Airways card for the New American? Thanks.

  13. Question on the MileagePlus Explorer Card – I have the card open currently (it was opened in 2011), so I am eligible for the signup bonus (one bonus per 24 months rule). Do I have to cancel my existing card before applying for a new one? If yes, how long should I wait before applying for a new one?

  14. @ Nash D — You can’t earn the bonus again if you already have the card. If the terms say that you’re eligible 24 months after the sign-up bonus, then you should be eligible shortly after canceling the previous card, if you earned the sign-up bonus at least that long ago.

  15. Thanks, Lucky. How long should I wait to re-apply after canceling the previous card to show up as not being a current cardmember? 30 days? Or longer?

  16. @ Nash D — I’d probably wait 90 days to be safe, though I’m not sure there’s actually any amount of time you have to wait.

  17. Hey Ben, so I applied for a US airways mastercard last year and got the 30k miles, hoping to eventually move them over to my AA account. The miles are due to expire on Feb 24th next year (’15). What should I do? I’m flying some AA over the next couple weeks – if Icredit a small leg to US, will that keep the 30k CC bonus miles in that account active? Or can I transfer them over to AA already? I’ve cancelled the CC, so buy a sandwich and keep the account active… Thanks!

  18. @ Pete B — You can’t transfer them over yet, but any activity at all would extend the expiration date. This includes crediting a flight, or even something smaller than that, like making a purchase through their mileage mall.

  19. I have an AA advantage Exec card and I’m done with the min spend. I’m looking into getting the AA platinum but i was decline and the reason was they only allow one AA advantage card in a 12 month period. Is that true? How did you get around getting an Exec card and a plat at the same time.

  20. @ Will C — If you do it the other way around it often works (in other words, applying for AA Plat and then AA Exec), but unfortunately most people get denied in a similar fashion to you when applying in that order.

  21. Ok thanks. And sorta noob question, but can you credit different segments of the same ticket to different FF programs? Eg just asking the gate agent while boarding the final segment to replace the AA number with the US one?

  22. I want to earn point for international first/business class flight. I am using mileageplus club now so I want another card for skyteam partners.

  23. Hey Lucky,
    I would like to know if I you know any nice offers for getting a credit card in Germany? Russia would work too 🙂
    Would be nice if you have some ideas.

  24. @ David — Sorry, unfortunately I’m not an expert on German credit cards. 🙁 Generally the offers aren’t as good as in the US, though.

  25. I have two Citi AA Exec personal cards from last year’s 100K promotions. Would I be able to receive the 50K bonus if I apply for the CitiBusiness Platinum Select? I currently have no business cards with Citi, just the two personal Exec cards.

  26. Ben, the 30k offer link for the Delta Gold card doesn’t point to an actual offer. Could you update?

  27. Hi Lucky!

    Our company considerably on Qatar, KLM, Etihad and Emirates and we purchase our tickets through a travel agent on invoices. I was thinking if we as a business could get reward miles for our purchases, I would be willing to pay by credit card to get the most amount of miles. Which business credit card would you recommend I apply to??

    P.S. you are absolutely amazing, i’m still baffled as to how you can do what you do…lol!

    Cho

  28. @ Cho — Thanks! To clarify, how are you paying for those tickets now? Not by credit card? Would you possibly be able to use a personal credit card for the purchases and then reimburse the individual (as a technicality) if it resulted in a higher return)?

  29. Lucky – We currently pay by the travel agent sending us invoices and then we send a Bank transfer. We could possibly do that (pay by personal credit card and then get reimbursed by the company) but that would add some paperwork. What would you recommend we do?

    Cho

  30. @ Cho — If you can do that, I’d highly recommend the Citi Premier ThankYou Card, as it offers 3x points for travel agent purchases. Points would add up really fast that way.

  31. Hello Lucky,

    I am quite torn between the Southwest Credit Card and the Citi AAdvantage Platinum Select World MasterCard. I prefer to have a card that does International Travel but I also hear that Southwest has better benefits.. The benefits seem relatively similar.. What do you suggest is the better credit card in order to earn more points?? Mind you, I would be using this card for outside purchases in order to receive more points, I unfortunately do not travel every other month.

    Any input is great, thank you sir!

    -Susan

  32. @ Susan — Where do you mostly like to travel internationally? Happy to provide some tips.

  33. Thanks Ben. Used your link for the southwest premier. With my normal flying plus this I should hit companion pass easy. Plus the 50k points will be put to good use with their new international routes out of my home airport BwI.

  34. Just got approved for the personal Southwest Chase Card. How long should I wait before applying for the Business card? The personal card is the first card I have applied for in 5 plus years. 800+ credit score. No other credit card debt. Good income. Thoughts?

    Thanks.

  35. Also, after spending so much time reading your Trip Reports, clicking on your link was the least I could do. Thanks Lucky for what you do!

  36. @ Steve in KC — Thanks very much! 🙂 There’s no specific amount of time you have to wait. I’d give it a couple of days and then apply.

  37. @ Brian — Good question. I wouldn’t expect on it returning in the next few months, but could also be mistaken.

  38. Citi/AA must have mind-readers on staff as when I got home tonight there was a targeted 50k offer for me in my mailbox.

  39. @lucky

    I’m just about to get into this miles and points adventure. I’m living in Germany and Belgium and would like to redeem miles for international travel, mainly Star Alliance, more specifically Lufthansa. I was planning on getting the Miles&More Credit Card Gold and the Hyatt Card, which is my preferred hotel chain. At the same time I love Etihad, but don’t frequent on their routes often to earn enough miles. I know you are not an expert on European cards but do you know any way I could earn Etihad miles with this combination or is there any card you would suggest?

  40. @ Nora — If it’s travel on Etihad you’re after, then I’d consider an airberlin card, as they partner, and those miles can be redeemed on Etihad.

  41. Brian,

    Someone just pointed me to your site. Thanks for the great info!
    I’m an American Advantage Platinum member. I’ve had the Citibank Advantage visa for years. Can you point me to a page on your site (or any other) that would help me see the differences/benefits/drawbacks of sticking with an Airline branded credit card vs. a general card? Could I actually do better on miles, flights and status by going with a general card (like those listed on your site) vs the Citi Aadvantage card?
    Any suggestions or thoughts? Thanks!

  42. HI,

    I’m very new to this and I already have two credit cards which I think is more than enough. My goal is to cancel one of my newest cards to apply for a card to help with travel. I currently have a card with wells fargo (which is my oldest card) and an Amex card. I’m planning on canceling my Amex but not sure what I should apply to. I want to travel for my honeymoon and am currently planning the wedding so any type of card that I can use while on my honeymoon or during wedding planning would be awesome. Do you have any recommendations?

  43. What a great site, thanks for doing this. I’m completely new to all of this but I had a question about churning credit cards. How do you manage all the annual fees of these credit cards? You have to sign up and spend the required amount within 90 days, and they usually waive the fee for the first year, but if you cancel the credit card after you get the points do you lose them? And if I cancel the cards before the annual fee won’t it hurt my credit score?

    I hope I was clear with my question, and I’m sorry if someone already asked this and I missed it.

    Thanks!

  44. Hello Lucky, i want to ask you 2 questions… do this strategies work outside USA? Im from Lima Perú… don’t have so many credit cards… so then i thought to acquire the airlines credit cards… but hoy can you pay so many annual fees?
    regards

  45. Hi Lucky,
    I see that Barclays has the M&M 50k offer going now…have you had experience churning that card?

  46. Dear Lucky,

    I’m just about to get into this miles and points adventure. I have found some great information on this blog. Thank you for all the guidance. But I am still not able to specifically find out which will be the best Hotel and Airline reward program for not so frequent domestic travel with in the US. Request you to help. Thanks once again

  47. Dear Lucky,

    We have a family run hunting lodge and ranch in Texas. I am looking for a great credit card that we can start earning some miles or points. We purchase a ton of food both in the grocery store and via restaurant supply vendors such as Sysco. Do you have any recommendations? Currently we use a Sam’s Club MasterCard that I earn about $135 in rewards back a year towards something I have to buy at Sam’s Club. I would rather have something with more flexibility and better earnings. Currently want to get a card or cards for the company but I am wanting to get something for my personal account as well. Currently have the Capital One Venture card which may not be the best card out there.

    Thanks for your blog. I find it interesting and helpful! And I will apply using your links as well.

  48. Dear Lucky,

    what do you mean by “earn the sign up bonus multiple times” on Alaska Airline card?
    Could you explain how?

    joseph

  49. Hi, I live in Japan and frequently travel to China, Korea, TAiwan, HK and, most importantly where I’d like to spend miles on comfort – KLM to Europe – any hints on which cards I can use? Don’t think any US companies will issue cards to non-residents. Many thanks!

  50. Can I apply for Citi AAdvantage Platinum Select MasterCard, if I used to have it but closed the card 13 months ago?

  51. I have the Chase United Club card. I was surprised to not see it on this list as you earn 1.5 for every dollar spent on everyday purchases. Can you give me your take on this program? Thanks!

  52. Hey Lucky, big fan of your reviews btw, I just signed up and was approved for the alaska cc and was wondering what you mean with the comment of being able to get the sign up bonus multiple times? Thank you!

    Will

  53. Hi Lucky, I recently found out about you via CNN and an article in a Danish newspaper. I am truly impressed by what you do. Just amazing.

    I am based in Barcelona and fly quite a lot mainly Middle East (almost always Qatar airways, I am Silver with them) and Russia and Kazakhstan. Normally tickets are purchased via business American Express or my Mastercard. I see a lot of recommendations for US based credit cards.At hotels I am member at Accor and try to stay at their hotels.

    Any good recommendations on what cards to use in Europe? What airlines credit cards? What inside tips?

    I am waiting for your reply and hope for some good tips.

    Thanks a lot.
    Carsten

  54. Same question as Joseph above, what do you mean by getting sign on bonus from Alaska ailing multiple times? Thanks, keep them coming !

  55. Do u have any recommendation on China or Aus credit card? I am currently living in these two place……

  56. Mr Lucky,

    Currently Have the United Mileage Plus card which gives 1.5 miles per dollar spent. Have recently opened AMEX Business, Rewards Plus and Delta gold Skymiles. All three netted us 155K AMEX points which will be transferred into our delta account.

    My question is: My preferred carrier is United where we have attained in excess of 1.5M miles primarily with our Mileage plus card as I am no longer status because I don’t travel anymore for work.

    I want to open other Visa/MasterCards where I can transfer the points into United. Have a great FICO
    even after cancelling 4 cards in the past year.

    Please advise which cards are best with signup bonus and points can be transferred into United AND
    Are the points 1 for 1 converting to miles on United ?

    Thanking you in advance

  57. Hey Lucky,

    Thanks for this awesome guide on maximizing your points collection and using them efficiently. I always thought I was pretty good at getting the most out of my credit card, but this has opened up a few more lucrative opportunities!

    My question is, once you’ve already applied for an Amex for example and taken advantage of their bonus miles, what then? You can’t cancel and re-apply to receive more bonus miles. Correct me if I’m wrong but you’ve kind of used up your Amex bonus points forever, right? I’m asking because I’m a recent graduate and got my Amex gold which gave me 25,000 points up front. Great! Although if I had waited to increase my household income, I could have taken advantage of receiving +40,000 points for a more prestige card.

    All in all, should I wait a year so that my household income goes up and try and maximize my one time chance at getting bonus points from each credit card or f*ck it and apply for all of them right now?

    Thanks and keep up the great content!

    Scott

  58. I’ve tried to do some research online but I admit to being confused by much of what I’ve found. I’m currently trying to be a United MileagePlus loyalist, but even after three flights to the UK this year, I have a feeling I’ll fall short of the PQD requirement to hit the next level unless I do a mileage run (really a “dollars spent” run) before the end of the year. It’s frustrating, because friends from Europe easily hit their levels as there is no PQD requirement for members from outside the US. Getting beyond issues of “fairness” here, I’m looking at a possible switch to Delta/SkyMiles or American/OneWorld. Delta seems especially attractive as they have direct flights to London, and they’re just a bit less expensive. If I were to switch, it would include a switch in credit card (I currently have the Chase MileagePlus explorer card). I’m not a big spender – I don’t hit all the very high credit card qualifying spending. Is this a lost cause? I know Tiffany has recommended going with more cash reward-based cards, but my hope was to maximise my travel points to elevate the service I get from my chosen airline.

    Thoughts?

  59. Hi! Question on the Jet Blue Plus Card. Would a balance transfer count as spending $1,000 in the first month?

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