Best Airline Credit Cards in the US

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Why consider it: For Air Canada travelers who will use Aeroplan points, checked-bag benefits, and the card’s status privileges.

Trade-off: Status and baggage benefits have airline and reservation conditions; partner award seats are not guaranteed. Benefits you actually use must justify the annual fee.

Annual fee: $195
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,610Total$1,610Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,610
Welcome offerAfter $4,000 in 3 months: Up to 115,000 points

Features
Issuer: Chase
Network
Program: Aeroplan

Fees and terms
Annual Fee: $195/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn up to 115,000 bonus points. Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months.
$195 Annual Fee
Enjoy automatic Aeroplan 25K Status with benefits such as Priority Check-In, Priority Boarding (Zone 2), Additional Baggage Allowance, Star Alliance Recognition and eUpgrade Credits.
Earn up to 5X total points for each dollar spent on Air Canada purchases: 3X points with your card, plus 2X points from Air Canada as an Aeroplan 25K member. Earn 3X points on travel purchases.
Earn 2X points for each dollar spent at grocery stores, on dining at restaurants, and at gas stations. Through December 31, 2026, grocery store and dining purchases earn 3X points. Earn 1X point for each dollar spent on all other purchases.
Up to $100 in Air Canada statement credits (delivered as up to two $50 credits semi-annually).
Save 15% on eligible Air Canada flight redemptions as a cardmember.
Free first checked bags on Air Canada flights for the cardmember and up to eight people on the same reservation.
No foreign transaction fees.
The new cardmember bonus is not available to current cardmembers, or to previous cardmembers who received a new cardmember bonus for this card within the last 24 months.
Member FDIC

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Rewards: Rate
Travel: 3x
Air Canada flights: 3x
Groceries: 2x
Gas: 2x
Restaurants: 2x

Benefits
NEXUS: $120
Concierge: Included

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Pros

Welcome bonus of 115,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($195)

The Chase Air Canada Aeroplan Card can fit travelers who use Air Canada benefits. Its verified offer is up to 115,000 points: 75,000 after $4,000 in purchases in the first 3 months and another 40,000 after $20,000 in total purchases in the first 12 months. The $195 annual fee and both spending thresholds should fit your budget without unnecessary purchases or an interest-bearing balance.

The primary cardmember receives automatic Aeroplan 25K status while the linked account stays open and not in default. At least $75,000 in purchases in a calendar year qualifies for 35K for that year’s remainder and the next year. Eligible Air Canada credits are capped at $50 in each half of the calendar year, up to $100 total, rather than a single unrestricted $100 credit.

The card earns 3 points per U.S. dollar on eligible travel, 2 at gas stations and 1 on other purchases. Grocery and dining purchases earn 3 through December 31, 2026, then 2. The airline’s additional points on eligible Air Canada fares use a separate Canadian-dollar calculation and are not an unconditional card earn rate. Check the fare, baggage and FLY15OFF conditions for your own trip.

The calculator and displayed ongoing rates use 2 points on grocery and dining purchases. They exclude the temporary extra point through December 31, 2026, so it is not projected over a full year…

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Delta SkyMiles® Reserve Business Card

Business Amex Delta SkyMiles

Why consider it: Business card. For frequent Delta business trips where eligible lounge visits and premium companion travel are useful.

Trade-off: Lounge access has visit, fare, and spending conditions; employee cards do not automatically share every benefit. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $650
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,400Total$2,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,400
Welcome offerAfter $20,000 in purchases on your new Card in your first 6 months of Card Membership. Limited-time offer ends November 4, 2026. Offer eligibility requirements apply.: 200,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Delta SkyMiles

Fees and terms
Annual Fee: $650/yr
Min. annual income: —

Interest rates
Purchases: 19.74 %
Foreign transaction fee: 0 %

Issuer terms

Limited-time offer: earn 200,000 Bonus Miles after $20,000 in eligible purchases on the new card in the first 6 months of membership. Offer ends November 4, 2026.
Delta SkyMiles Reserve Members receive 15 Visits each Medallion Year to the Delta Sky Club and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles Reserve Business American Express Card.
Receive a Companion Certificate after each card renewal for an eligible Delta First, Delta Comfort or Delta Main round trip in the domestic, Caribbean or Central American network. Government taxes and fees are $22–$250 for itineraries with up to four segments. Delta Basic is excluded; availability and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
The first checked bag is free on eligible domestic and international Delta flights; the second is also free on eligible domestic Delta flights. The card, reservation and operating-carrier conditions apply. This is not a cash baggage credit.
When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles Reserve Business American Express Card.
Terms and limitations apply.

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Rewards: Rate
Delta flights: 3x
Transit: 1.5x
Office: 1.5x

Benefits
Airport lounges: 15 visits/yr
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $1,250
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

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Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($650)

Power Your Business Journeys with the Delta SkyMiles^® Reserve Business American Express^® Card

200,000 bonus miles after $20,000 in eligible purchases in the first 6 months; offer ends November 4, 2026
3X miles on eligible purchases made directly with Delta
1.5X miles on eligible transit, U.S. shipping and U.S. office supply store purchases
15 Delta Sky Club^® lounge visits per Medallion Year when flying Delta, plus four one-time guest passes; eligible fares and lounge rules apply
Up to $250 annual Delta Stays credit for eligible prepaid hotels or vacation rentals booked through Delta Stays on delta.com
Global Entry/TSA PreCheck^® credit of $120 for Global Entry or up to $85 for TSA PreCheck every four years, when the application fee is paid with the card
Priority boarding and the first checked bag free on eligible domestic and international Delta flights; the second bag is also free on eligible domestic Delta flights
$650 annual fee; no foreign transaction fees

This $650-per-year card is most relevant to businesses that regularly fly Delta and can use the specific lounge and travel benefits. After $150,000 in purchases in a calendar year, eligible remaining purchases earn 1.5 miles per dollar for the rest of that year; only the higher accelerator applies when a category qualifies for more. Compare the fee with benefits you will actually use, rather than assuming credits reimburse it automatically.

Source checked October 26, 2026: American Express, Delta SkyMiles Reserve Business Card, https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-reserve/ . Enrollment, eligible purchases and individual benefit limits apply. Amounts are in U.S. dollars.

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Citi® / AAdvantage® Executive World Legend Mastercard®

CitibankAAdvantage

Why consider it: For frequent American Airlines flyers who specifically need Admirals Club membership.

Trade-off: Verify eligible flights, guests, and authorized-user charges before comparing the annual fee with club access costs.

Annual fee: $695
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,812Total$1,812Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,812
Welcome offerAfter $15,000 in purchases in the first 5 months of account opening. Offer eligibility requirements apply.: 125,000 miles

Features
Issuer: Citibank
Network
Program: AAdvantage

Fees and terms
Annual Fee: $695/yr
Min. annual income: —

Issuer terms

For a limited time, earn 125,000 American Airlines AAdvantage bonus miles after spending $15,000 within the first 5 months of account opening.
Admirals Club membership for you and access for up to two guests or immediate family members traveling with you
No Foreign Transaction Fees on purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage mile earned from 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

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Rewards: Rate
American Airlines flights: 4x

Benefits
Airport lounges: Included

Travel insurance: Coverage
Trip Cancellation: $5,000
Trip Interruption: $5,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +2 years
Auto Rental Collision: $75,000 · 31 days

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Pros

Welcome bonus of 125,000 miles

Cons

High annual fee ($695)

Unlock Elite Perks with the Citi^® / AAdvantage^® Executive World Legend Mastercard^®

125,000 bonus miles (limited time) after $15,000 in purchases within 5 months
4X miles on eligible American Airlines purchases (fares, bags, in‑flight)
12X miles on hotels & car rentals booked through American Airlines
1X mile on all other spending
Complimentary Admirals Club^® membership for you + immediate family or up to two guests
Free first checked bag for you and up to eight companions
25% back on in‑flight purchases as a statement credit
TSA PreCheck^®/Global Entry^® credit up to $120 every four years
No foreign transaction fees
$695 annual fee

Designed for frequent flyers, this premium card transforms every trip into a suite of VIP privileges. Earn accelerated miles on flights, hotels and rentals while enjoying unlimited lounge access and priority boarding. Knock checked‑bag fees off your list and get rewarded for onboard purchases. Plus, breeze through security with your application fee reimbursed and travel with confidence thanks to comprehensive trip protections. Manage your account and view your rewards seamlessly in the Citi Mobile^® app.

Terms apply. Welcome bonus, earning rates, credits and protections require qualifying purchases and enrollment where applicable. See issuer for full details.

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Atmos™ Rewards Summit Visa Infinite® Credit Card

Bank of AmericaAtmos Rewards

Why consider it: For frequent Alaska and Hawaiian travelers who will use premium lounge benefits and a Global Companion Award.

Trade-off: The companion award has a points allowance and conditions; verify lounge guest rules and eligible itineraries. Benefits you actually use must justify the annual fee.

Annual fee: $395
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,550Total$1,550Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,550
Welcome offer+ 25,000-point Global Companion AwardAlaska Airlines channel: earn 100,000 bonus points and a separate 25,000-point Global Companion Award after $6,000 in eligible purchases within the first 90 days of account opening. The companion allowance is not freely redeemable points or cash. Other channels may differ.: 100,000 points

Features
Issuer: Bank of America
Network
Program: Atmos Rewards

Fees and terms
Annual Fee: $395/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Alaska Airlines online offer: 100,000 bonus points.
Alaska Airlines channel offer: earn 100,000 bonus points and a 25,000-point Global Companion Award after $6,000 in eligible purchases within the first 90 days of account opening. The companion award is a separate allowance for eligible travel for two, not 25,000 freely redeemable points added to your balance. The Bank of America offer can differ.
Each account anniversary, get a 25,000-point Global Companion Award for a travel companion on the same itinerary, when booking travel using your Atmos Rewards points.
Additionally, receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases each anniversary year.
Receive 8 Alaska lounge passes each year (2 per calendar quarter)
Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point per $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America^® account.
Fastest path to status: get 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases.
Free checked bag on Alaska Airlines and Hawaiian Airlines and enjoy preferred boarding on Alaska Airlines, for you and up to 6 guests on the same reservation, when you pay for your flight with your card.
Up to $120 Airport Security Credit every four years in connection with the TSA PreCheck^® or Global Entry trusted traveler programs.
Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+, and pay no change fee when you need to make a same-day change to your Alaska Airlines flight plans.
Plus, no foreign transaction fees and a competitive $395 annual fee.
This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

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Rewards: Rate
Restaurants: 3x

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Pros

Welcome bonus of 100,000 points
3x at restaurants

Cons

High annual fee ($395)

The Atmos Rewards Summit Visa Infinite targets frequent Alaska Airlines and Hawaiian Airlines travelers who can use its premium benefits. The $395 annual fee calls for comparing those benefits with planned travel rather than relying on their theoretical value. Alaska Airlines channel offer: earn 100,000 bonus points and a 25,000-point Global Companion Award after $6,000 in eligible purchases within the first 90 days of account opening. The companion award is a separate allowance for eligible travel for two, not 25,000 freely redeemable points added to your balance. The Bank of America offer can differ. The application button leads to the Alaska channel presented here.

The annual Global Companion Award covers up to 25,000 points under its terms; it is not a deposit of 25,000 unrestricted redeemable points. The eight Alaska Lounge passes are distributed as two per quarter, which can reduce their usefulness when travel is concentrated in one part of the year. Checked-bag and preferred-boarding benefits remain subject to paying for the ticket with the card.

Recurring-benefit source checked October 26, 2026 (Bank of America; its welcome offer may differ from the Alaska channel presented here): Issuer offer and terms. Amounts are in U.S. dollars.

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Delta SkyMiles® Platinum American Express Card

Amex Delta SkyMiles

Why consider it: For Delta travelers who can use an annual companion certificate and progress toward Medallion status.

Trade-off: The certificate has fare, destination, and availability restrictions; taxes and fees remain payable. Benefits you actually use must justify the annual fee.

Annual fee: $350
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,380Total$1,380Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,380
Welcome offer+ $300 statement creditEarn up to 90,000 bonus miles and a $300 statement credit after $4,000 in eligible purchases in the first 6 months. Amex discloses your exact eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.: Up to 90,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Delta SkyMiles

Fees and terms
Annual Fee: $350/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn up to 90,000 bonus miles and a $300 statement credit after $4,000 in eligible purchases in the first 6 months. Amex discloses your exact eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.
Receive a Companion Certificate on a Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of the government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
Receive $2,500 Medallion Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
Delta SkyMiles Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
$120 Resy Credit: Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.
$120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Delta SkyMiles Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
No Foreign Transaction Fees.
$350 Annual Fee.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

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Rewards: Rate
Delta flights: 3x
Groceries: 2x
Restaurants: 2x

Benefits
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Lost Baggage: $1,250
Flight Delay: $300

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of 90,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($350)

Elevate Your Delta Experience with the Delta SkyMiles^® Platinum American Express Card

As high as 90,000 bonus miles after $4,000 in eligible purchases in the first 6 months, plus a $300 statement credit after the same spending requirement. Amex discloses your eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.
Annual Companion Certificate for a main cabin round‑trip companion fare (taxes & fees apply)
2,500 MQD Headstart plus 1 MQD per $20 spent toward Medallion status
3X miles on Delta purchases and direct hotel stays
2X miles at restaurants worldwide and U.S. supermarkets
1X mile on all other purchases
$120 Resy credit and $120 rideshare credit annually (enrollment required)
No foreign transaction fees
$350 annual fee

Perfect for frequent flyers who demand premium perks, this card combines accelerated earning on everyday and travel spend with Delta’s most valuable benefits—from free checked bags and priority boarding to Medallion Qualifying Dollar boosts and companion certificates that can cover a travel companion’s ticket. Manage it all seamlessly in the AmEx app and get closer to elite status with every dollar.

Terms apply. Companion Certificate taxes & fees $22–$250. Credits require enrollment. See issuer for full details.

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Atmos™ Rewards Ascent Visa Signature® Credit Card

Bank of AmericaAtmos Rewards

Why consider it: For Alaska and Hawaiian travelers who can use Atmos points, a companion fare, and eligible baggage benefits.

Trade-off: The companion fare has spending and booking conditions; include taxes and fees and check eligible flights. Benefits you actually use must justify the annual fee.

Annual fee: $95
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,240Total$1,240Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,240
Welcome offer+ $99 Companion Fare (plus taxes and fees from $23)Alaska Airlines channel: up to 80,000 bonus points — 60,000 after $3,000 in eligible purchases, then another 20,000 after $5,000 in total eligible purchases within the same first 90 days. The welcome $99 Companion Fare (plus taxes and fees from $23) requires $5,000 within those same 90 days. Other channels may differ.: Up to 80,000 points

Features
Issuer: Bank of America
Network
Program: Atmos Rewards

Fees and terms
Annual Fee: $95/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Alaska Airlines online offer: up to 80,000 bonus points.
Alaska Airlines channel offer: earn up to 80,000 bonus points, with 60,000 after $3,000 in eligible purchases and another 20,000 after $5,000 in total eligible purchases within the same first 90 days of account opening. The welcome $99 Companion Fare (plus taxes and fees from $23) requires $5,000 within those same 90 days. The $99 is a price to pay, not a cash credit. The Bank of America offer can differ.
Get a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines and Hawaiian Airlines flights within North America booked on AlaskaAir.com.
Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 point per $1 spent on all other purchases.
Earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America^® account.
Free checked bag on Alaska Airlines and Hawaiian Airlines and enjoy priority boarding on Alaska Airlines, for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too.
Earn and redeem across 1,000+ destinations worldwide with oneworld^® Alliance member airlines and 30+ global air partners.
Plus, no foreign transaction fees and a low $95 annual fee.
This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

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Rewards: Rate
Gas: 2x
Transit: 2x
Streaming: 2x

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Pros

Welcome bonus of 80,000 points

Cons

Fewer premium perks

The Atmos Rewards Ascent Visa Signature is intended for Alaska Airlines or Hawaiian Airlines travelers. Its $95 annual fee should be compared with benefits you will actually use; checked-bag and preferred-boarding benefits require paying for an eligible ticket with the card. Alaska Airlines channel offer: earn up to 80,000 bonus points, with 60,000 after $3,000 in eligible purchases and another 20,000 after $5,000 in total eligible purchases within the same first 90 days of account opening. The welcome $99 Companion Fare (plus taxes and fees from $23) requires $5,000 within those same 90 days. The $99 is a price to pay, not a cash credit. The Bank of America offer can differ. The application button leads to the Alaska channel presented here.

The annual $99 Companion Fare, plus taxes and fees starting at $23, requires $6,000 in purchases during the preceding anniversary year. It is neither a free ticket nor cash credit. The card is most relevant when you plan an eligible trip for two and can meet that spending requirement without unnecessary extra purchases.

Recurring-benefit source checked October 26, 2026 (Bank of America; its welcome offer may differ from the Alaska channel presented here): Issuer offer and terms. Amounts are in U.S. dollars.

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Delta SkyMiles® Gold American Express Card

Amex Delta SkyMiles 1st Year Free

Why consider it: For Delta trips where the first checked bag and priority boarding can offset repeat airport costs.

Trade-off: Baggage benefits have reservation conditions; this tier does not provide a Sky Club membership. Benefits you actually use must justify the annual fee.

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,210Annual fee rebated$150Total$1,360Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,360
Welcome offer+ $250 statement creditEarn up to 80,000 bonus miles and a $250 statement credit after $3,000 in eligible purchases in the first 6 months. Amex discloses your exact eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.: Up to 80,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Delta SkyMiles

Fees and terms
Annual Fee: $150/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn up to 80,000 bonus miles and a $250 statement credit after $3,000 in eligible purchases in the first 6 months. Amex discloses your exact eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.
Enjoy a $0 introductory Annual Fee for the first year, then $150.
Delta SkyMiles Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
$100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

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Rewards: Rate
Groceries: 2x
Restaurants: 2x
Delta flights: 2x

Benefits
Annual credit: Included

Travel insurance: Coverage
Lost Baggage: $1,250

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

First Year Annual Fee Rebate
Welcome bonus of 80,000 points
2x on groceries
2x at restaurants

Cons

Fewer premium perks

Maximize Your Delta Travel Benefits with the SkyMiles^® Gold American Express Card

As high as 80,000 bonus miles after $3,000 in eligible purchases in the first 6 months, plus a $250 statement credit after the same spending requirement. Amex discloses your eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.
2× miles on Delta purchases, at restaurants worldwide and U.S. supermarkets
1× mile on all other eligible purchases
$0 intro annual fee for the first year, then $150
No foreign transaction fees
First checked bag free for you and up to 8 companions on Delta flights
Priority boarding with Zone 5 access
20% savings on in‑flight food, beverages and audio headsets
$200 Delta flight credit after $10,000 in card spend per year
$100 annual Delta Stays credit for prepaid hotel stays or vacation rentals
15% off the miles required for eligible Delta award flights on Award Travel booked through delta.com or the Fly Delta app

This card delivers powerful perks for Delta flyers—from generous sign‑up miles and annual credits to standout baggage and boarding privileges. Whether you’re checking multiple bags, dining in the sky or booking award travel, you’ll enjoy seamless rewards and travel savings in every corner of the Delta network. Manage your account in the AmEx app and make every trip more rewarding.

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The New United℠ Business Card

BusinessChase United MileagePlus

Why consider it: Business card. For United business trips where a checked bag, priority boarding, and occasional lounge passes save repeat costs.

Trade-off: Passes are limited, and partner credits need eligible purchases; compare them with your business travel policy. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,200
Welcome offer+ 2,000 PQPEarn up to 100,000 bonus miles: 90,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding an employee authorized user in the first 3 months. Separately, earn 2,000 PQP after the same $5,000 spending requirement. PQP are not redeemable miles.: Up to 100,000 miles

Features
Issuer: Chase
Network
Program: United MileagePlus

Fees and terms
Annual Fee: $150/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn up to 100,000 bonus miles: 90,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding an employee authorized user in the first 3 months. Separately, earn 2,000 PQP after the same $5,000 spending requirement. PQP are not redeemable miles.
$150 Annual Fee.
Earn 8x total miles on eligible United flights: 2x from the card on the entire eligible United purchase, plus 6x from MileagePlus on the primary cardmember’s fare. Different rates apply to Basic Economy or base option tickets; Premier members earn more.
2x miles on all other eligible United^® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United^® credit card.
Enjoy a free first checked bag – a savings of up to $200 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
NEW! Save 10% or more when booking flights with miles. Premier members save even more.
Member FDIC

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Rewards: Rate
Gas: 2x
Restaurants: 2x
Transit: 2x
Office: 2x
United flights: 2x

Benefits
Airport lounges: 2 visits/yr
Annual credit: $125/yr
Concierge: Included

Travel insurance: Coverage
Trip Cancellation: $1,500
Trip Interruption: $1,500
Delayed Baggage: $300
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

Welcome bonus of 100,000 miles
2x at restaurants

Cons

Fewer premium perks

Optimize Your United Flying with The New United℠ Business Card

Up to 100,000 bonus miles + 2,000 Premier Qualifying Points: 90,000 miles and 2,000 PQP after $5,000 in eligible purchases in the first 3 months, plus 10,000 miles after adding the first employee authorized user in the first 3 months. The authorized-user bonus is awarded once. PQP count toward Premier status; they are not redeemable miles.
2X miles on eligible United purchases, dining (including eligible delivery), gas stations, office supplies and local transit. Eligible United flights earn 8X total miles: 2X from the card on the entire eligible United purchase, plus 6X from MileagePlus on the primary cardmember’s fare. Different rates apply to Basic Economy or base option tickets; Premier members earn more.
1X mile on all other purchases
Free first checked bag for you and a companion on United flights
Two United Club one-time passes each year
Priority boarding for you and your traveling party
$125 United travel credit in TravelBank cash after five United flight purchases of at least $100 each per calendar year
Employee cards at no additional cost, with miles pooled into your account
No foreign transaction fees
$150 annual fee

Compare the $150 annual fee with benefits your business will actually use. The $125 credit is TravelBank cash after five United flight purchases of at least $100 each per calendar year. Bags and passes follow their terms; no automatic offset of the annual fee is guaranteed. Chase source checked October 26, 2026.

Terms apply. Bonus miles and PQP require qualifying spend. Travel credit applies after flight purchases. See full terms for details.

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Delta SkyMiles® Platinum Business Card

Business Amex Delta SkyMiles

Why consider it: Business card. For Delta business travelers who can use a companion certificate and spending-based status progress.

Trade-off: Companion travel has fare and booking restrictions; compare eligible business credits with actual expenses. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $350
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,200
Welcome offerAfter $8,000 in purchases on your new Card in your first 6 months of Card Membership. Limited-time offer ends November 4, 2026. Offer eligibility requirements apply.: 100,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Delta SkyMiles

Fees and terms
Annual Fee: $350/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles Platinum Business American Express Card.
Delta SkyMiles Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Terms and limitations apply.

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Rewards: Rate
Delta flights: 3x
Transit: 1.5x

Benefits
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Lost Baggage: $1,250
Flight Delay: $300

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of 100,000 points

Cons

High annual fee ($350)

Elevate Your Business Travels with the Delta SkyMiles^® Platinum Business American Express^® Card

100,000 bonus miles after $8,000 in purchases within your first 6 months (limited-time offer, ends 11/4/26)
3X miles on purchases made directly with Delta and on hotel stays
1.5X miles on transit, U.S. shipping and select business purchases
1X mile on all other eligible purchases
$350 annual fee
Annual Companion Certificate for a Main Cabin companion fare (taxes & fees apply)
Global Entry credit of $120 or TSA PreCheck^® credit up to $85 every four years
$120 Resy credit and $120 rideshare credit each year (enrollment required)
15% savings when using miles to book Delta award travel

Designed for frequent flyers and savvy business owners, this card turbocharges your earnings on every trip while unlocking top-tier perks. Enjoy accelerated miles on core categories, seamless digital tools for expense management, and premium travel benefits like complimentary upgrade list access and priority boarding. With an annual companion certificate, statement credits for Resy and rideshares, and reimbursement for Global Entry or TSA PreCheck^®, you’ll offset the fee and travel smarter all year long.

Terms apply. See full details for enrollment, spending requirements and benefit limitations.

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The New United Club℠ Business Card

BusinessChase United MileagePlus

Why consider it: Business card. For a business traveler who needs recurring United Club access rather than occasional lounge passes.

Trade-off: The annual fee needs frequent use; verify guest access, eligible flights, and employee-card lounge rights. An eligible business activity is required.

Annual fee: $695
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,200
Welcome offer+ 2,000 PQPEarn up to 100,000 bonus miles: 90,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding an employee authorized user in the first 3 months. Separately, earn 2,000 PQP after the same $5,000 spending requirement. PQP are not redeemable miles.: Up to 100,000 miles

Features
Issuer: Chase
Network
Program: United MileagePlus

Fees and terms
Annual Fee: $695/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

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Rewards: Rate
United flights: 2x

Benefits
Airport lounges: Included
Concierge: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $300
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

Welcome bonus of 100,000 miles

Cons

High annual fee ($695)

Elevate Your Business Travels with the United Club℠ Business Card

Up to 100,000 bonus miles + 2,000 Premier qualifying points: 90,000 miles and 2,000 PQP after $5,000 in eligible purchases in the first 3 months. PQP count toward Premier status; they are not redeemable miles.
10,000 bonus miles after adding the first employee authorized user in the first 3 months. Awarded once; the authorized user must remain on the account at fulfillment.
8× total miles on eligible United flights: 6× from United on the primary cardmember’s fare, plus 2× from the card on the entire eligible United purchase. Basic Economy and base option tickets earn differently; Premier members may earn more.
5× miles on hotel stays at Renowned Hotels & Resorts when prepaid via United
2× miles on all other eligible United purchases
1.5× miles on every other purchase
Free first and second checked bags for the primary cardmember and one companion on the same eligible United reservation (save up to $440 roundtrip). Ticket payment and MileagePlus-number requirements apply.
Complimentary United Club℠ membership for the primary cardmember with one adult guest and dependent children under 18. Star Alliance lounges require United Club All Access membership, available under separate spending or Premier-status conditions.
No foreign transaction fees

Compare the $695 annual fee with usable benefits. United Club card membership and All Access membership are distinct; Star Alliance lounge access and guest rules depend on the eligible membership. Credits, bags and rewards do not automatically make the card worthwhile. Check Chase and United terms before applying or visiting.

Terms apply. The maximum welcome offer combines separate spending and employee-card actions; PQP are not redeemable miles. The annual fee is $695. Source checked October 26, 2026: Chase’s United Club Business offer and benefit terms. Check current issuer rates before applying.

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Complete Guide

Earn miles for free flights, free checked bags, and priority boarding. Compare Delta Reserve, United Club Infinite, AA Executive, and more.

An airline card suits travelers who regularly use that airline. Check eligible flights and companion, baggage, and lounge conditions before valuing an advantage.

Cards listed

Oct 2026

Last updated

USD

Currency

Our Methodology

Cards closed to new applicants and code-only offers whose terms cannot be verified are excluded. Only cards matching a category can be curated or sponsored on its page. A configured editorial selection replaces the calculated list. Otherwise, category cards are ordered by monthly selection, then first-year welcome-bonus cash value, then lower annual fees. Unknown values follow known values. Sponsored, exclusive, and featured placements then move first, in that order, with labels identifying them. Position is therefore not a universal quality score. The hub shows the first 5 cards from each list. Interest, eligibility, and your own use can change which card suits you.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Which card should I choose from this table?

Start with your spending and eligibility. Read each card’s reason and trade-off, then compare its fees and terms. First position does not guarantee the best fit for your situation.

2How is the order determined?

3Are business cards suitable for everyone?

No. They require eligible business activity and may carry a personal guarantee. A large welcome offer does not make a business card suitable for personal spending.

4Where should I verify offers and benefits?

The table and card details read the site’s catalogue. Also check current issuer terms before applying: welcome offers, required spending, and lounge-access rules can change.

5Does a no-fee card guarantee savings?

No. Interest and other charges can outweigh rewards. Compare the full cost and, when possible, pay your statement balance in full.

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Best Airline Credit Cards in the US - October 2026

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