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What Are the Best Airline Miles Credit Cards of 2019?

Whether you're a road warrior or casual traveler, an airline miles credit card is an excellent choice for earning rewards that can be redeemed toward free trips. For most people, we recommend the Chase Sapphire Preferred® Card for its bonus categories, flexible redemption options and reasonable annual fee. If you prefer no-fee cards or are loyal to a specific airline, check out the other options on this list.

Recommended Cards

Best ForCredit NeededAnnual Fee
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® CardMost peopleExcellent$95 ($0 first year)
Discover it® Miles
Discover it® MilesNo Annual FeeGood/Excellent$0
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit CardSouthwest AirlinesGood/Excellent$99

Continue reading below for a detailed look at the benefits and features of each card. You can also head to our credit card comparison tool at the bottom of the page to see which cards work for your budget and travel goals.

Best Overall Airline Card

The Chase Sapphire Preferred® Card is this year's pick for best airline credit card due to its excellent rewards rate of 2.5% on travel and dining purchases (2 points per dollar multiplied by the 1.25 bonus when redeeming for travel on the Chase portal), plus the flexibility to redeem points across 13 transfer partners.

Chase Ultimate Rewards: The Best Rewards Program

The Chase Sapphire Preferred® Card is also part of the Chase Ultimate Rewards program, one of the top credit card rewards schemes. With Chase Ultimate Rewards, cardholders can book airline tickets and hotel stays directly through Chase's website or transfer their points at a 1:1 ratio to 13 loyalty program travel partners, including United Airlines, British Airways and Southwest.

There's a luxury version of the Chase Sapphire Preferred® Card, called the Chase Sapphire Reserve® ($450 annual fee), that's also part of the Chase Ultimate Rewards program. The Chase Sapphire Reserve® is a better choice for frequent flyers, as it offers Priority Pass lounge access, TSA Precheck and a $300 travel credit. However, if you're a moderate traveler and prefer to comparison shop for tickets, then the Chase Sapphire Preferred® Card is the right card for you.

Auxiliary Benefits of the Chase Sapphire Preferred® Card

For the price, no other credit card comes with the same level of versatility and value as the Chase Sapphire Preferred® Card. After spending $4,000 on the card within the first three months of account opening, you'll get a 50,000 point bonus, which is worth $625 when redeemed for travel. You'll also benefit from travel insurance coverage, which even covers baggage delays, and no foreign transaction fees.

Best No Annual Fee Miles Credit Card

On Discover's Secure Website

Discover it® Miles

On Discover's Secure Website
Discover will match ALL the Miles you’ve earned at the end of your first year, automatically.
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Annual Fee
$0
APR
14.24% - 25.24% Variable
Credit Needed
Excellent, Good

Since its introduction in 2015, the Discover it® Miles has been the best no-annual-fee miles credit card. The card is our top pick for low spenders looking for spending rewards and some travel benefits: you'll earn 1.5 miles per dollar on all purchases, plus you won't have to pay any foreign transaction fees when spending money abroad.

Tradeoffs of a No Annual Fee Miles Card

As a no-annual-fee credit card, the Discover it® Miles lacks some of the features of other cards on this list. For example, the miles earned on the Discover it® Miles can't be transferred to airline loyalty programs, but you can use them as a statement credit toward travel purchases. As such, this is the ideal card for the casual, budget-conscious traveler.

Excellent Introductory Offer

The Discover it® Miles also has a great welcome bonus for a no-annual fee card—at the end of your first year, Discover will double all the miles you've earned. That boosts this card's rewards rate to an excellent 3% for the first 12 months. With that earning potential, it bests some of the annual fee airline credit cards on our list during the promotional period.

Best Credit Card for Southwest Airlines

The Southwest Rapid Rewards® Premier Credit Card is one of our top picks due to its signup bonus and the potential it gives you to earn Southwest's Companion Fare. However, if you're not a Southwest loyalist, you'll likely be better off with the Chase Sapphire Preferred® Card or the Discover it® Miles.

One of the Best Welcome Bonuses Available

The Southwest Rapid Rewards® Premier Credit Card currently offers a 40,000 point bonus for spending $1,000 within the first three months of account opening. This 40,000 point welcome offer is one of the best sign up bonuses available for a miles card, especially one with an annual fee under $100.

Potential to Earn Companion Pass

Southwest Airlines offers the most rewarding companion fare benefit of any carrier. The Companion Pass lets you designate a travel partner to get free tickets on all of your itineraries for a full calendar year, plus the remainder of the year in which you earn the pass. The threshold to earn the benefit is 110,000 Rapid Rewards miles in one year—the Southwest Rapid Rewards® Premier Credit Card's signup bonus can get you halfway to that mark.

Best American Airlines Card

On Citi's Secure Website

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

On Citi's Secure Website
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
Annual Fee
$99, waived for first 12 months*
APR
18.24% - 26.24%* (Variable)
Credit Needed
Excellent, Good

Of American Airlines' five co-branded cards, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is the best for earning AA miles and getting in-flight discounts. It also has a moderate annual fee of $99, which is waived the first year.

Solid Rewards on a Co-Branded Card

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® has some of the best bonus category rewards among co-branded cards. The card earns 2 miles per dollar spent at gas stations, at restaurants and on eligible American Airlines purchases. Most other airline cards reward 1 point per dollar on gas station and restaurant purchases.

In-Flight Benefits

If you're an American Airlines loyalist, the travel experience and in-flight benefits you'll get with the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® definitely make the $99 annual fee worth it. As a cardholder, your first checked bag is free on all American Airlines flights, plus you'll get preferred boarding and a 25% discount on food and drink purchases during the flight.

Best Credit Card for Delta Air Lines

On American Express' Secure Website

Gold Delta SkyMiles® Credit Card from American Express

On American Express' Secure Website
Earn 30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months
  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in 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 on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
  • Want even more flexibility? Pay with Miles is a Card Member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in 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 on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
  • Want even more flexibility? Pay with Miles is a Card Member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$0 introductory annual fee for the first year, then $95.
*Rates and Fees
APR
17.99%-26.99% Variable
Credit Needed
Excellent/Good

The Gold Delta SkyMiles® Credit Card from American Express is the best option for Delta frequent flyers. For a $95 annual fee, waived the first year, you'll get a free checked bag on each Delta flight—for you and up to eight travel companions—plus discounted lounge access and priority boarding.

Pay with Miles: Additional Redemption Flexibility

With the Gold Delta SkyMiles® Credit Card from American Express, you'll earn 2 miles per dollar on purchases made with Delta and 1 point per dollar on all other purchases. One of the best features of this card is that you can redeem these miles for all or a portion of your ticket price and pay the rest in cash, meaning you have more flexibility when booking award tickets.

Travel Benefits

The Gold Delta SkyMiles® Credit Card from American Express doesn't have the highest rewards rate on travel purchases, but the checked bag benefit can justify the annual fee for Delta frequent flyers. You'll also benefit from priority boarding and discounted access to the Delta Sky Club ($29 per person for you and up to two traveling companions).

For rates and fees of the Gold Delta SkyMiles® Credit Card from American Express, please click here.

Best United Airlines Credit Card

On Chase's Secure Website

United℠ Explorer Card

On Chase's Secure Website
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Annual Fee
$0 Intro for First Year, then $95
APR
18.24% - 25.24% Variable
Credit Needed
Excellent Credit

The United℠ Explorer Card is the best United credit card given its cost and features. For a $95 annual fee, waived in year one, you'll get an excellent welcome bonus, above average rewards on restaurant spending and a host of travel benefits.

Restaurant Rewards and Travel Perks

With the United℠ Explorer Card, you'll earn 2 points per dollar on purchases at restaurants and 1 point per dollar on all other spending. In addition, you'll get a free checked bag on all United flights, 25% back on United inflight purchases and a $100 Global Entry fee credit—a perk which is usually reserved for cards with much higher annual fees.

Unrivaled Welcome Offer

The United℠ Explorer Card currently offers a welcome bonus of 65,000 bonus miles: 40,000 after $2,000 in spending within the first three months of account opening, plus 25,000 additional miles after spending $10,000 in purchases within 6 months of opening an account. This is one of the highest welcome offers available on a co-branded card.

Best Alaska Airlines Card

On Bank of America's Secure Website

Alaska Airlines Visa Signature® Credit Card

On Bank of America's Secure Website
  • First Checked Bag Free for you and up to 6 companions booked on your reservation
  • Coach Companion Fare from $121 ($99 base fare plus taxes and fees from $22)
  • Earn 3 miles for every $1 spent directly on Alaska Airlines purchases.
  • Earn 1 mile for every $1 spent on all other purchases.
  • No foreign transaction fees, plus chip-enabled for enhanced security when used at chip-enabled terminals.
  • No mileage cap.
  • Miles won't expire on your active account.
  • Low Annual fee of $75
  • First Checked Bag Free for you and up to 6 companions booked on your reservation
  • Coach Companion Fare from $121 ($99 base fare plus taxes and fees from $22)
  • Earn 3 miles for every $1 spent directly on Alaska Airlines purchases.
  • Earn 1 mile for every $1 spent on all other purchases.
  • No foreign transaction fees, plus chip-enabled for enhanced security when used at chip-enabled terminals.
  • No mileage cap.
  • Miles won't expire on your active account.
  • Low Annual fee of $75
Annual Fee
$75
APR
16.74% - 24.74% Variable
Credit Needed
Good

Of the co-branded airline cards currently available, none have as much value as the Alaska Airlines Visa Signature® Credit Card. For an annual fee of $75—the lowest on this list, aside from our no-annual-fee pick—you'll get a free checked bag, an annual companion fare and impressive spending rewards.

Plenty of Options for Award Travel

Alaska Airlines has a variety of international airline partners at which you can redeem your MileagePlan miles. You can use Alaska miles to book flights with Aer Lingus, American Airlines, British Airways, Cathay Pacific, Korean Air and more. The airline's merger with Virgin America has also increased its number of domestic flights, particularly on the East Coast.

Companion Fare Benefit

With the Companion Fare benefit on this card, you can get one coach ticket each year for $99 plus taxes and fees. Even if you don't fly Alaska Airlines frequently, this benefit can make the Alaska Airlines Visa Signature® Credit Card worth it for you, especially if you tend to travel with your significant other.

Best Airline Credit Card for Bad Credit

On US Bank's Secure Website

AeroMexico Visa Secured Card

On US Bank's Secure Website
3,500 First Use Bonus Miles plus Complimentary Companion Certificate
  • Double miles on gas and groceries
  • One mile per $1 spent on eligible net purchases
  • 3,500 first use bonus miles plus Complimentary Companion Certificate
  • $99 Companion Certificate with renewal
  • Complimentary Baggage
  • Double miles on gas and groceries
  • One mile per $1 spent on eligible net purchases
  • 3,500 first use bonus miles plus Complimentary Companion Certificate
  • $99 Companion Certificate with renewal
  • Complimentary Baggage
Annual Fee
$25
APR
24.74%
Credit Needed
Poor

The AeroMexico Visa Secured Card is one of the only airline miles credit cards available to people with fair or poor credit—and it provides some pretty decent value to travelers who use AeroMexico. As a cardholder, you'll earn 1 point per dollar on all purchases, plus 2 miles per dollar on gas and groceries.

Rebuild Your Credit While Getting Rewards

The AeroMexico Visa Secured Card offers the types of perks usually reserved for cards open to people with good credit, like a competitive 2% rewards rate on Aeromexico airfare purchases, free checked bags and an annual $99 companion certificate—all for $25 a year.

Redeem Miles for International Flights

While Aeromexico predominantly flies in North and South America, it's part of the SkyTeam airline alliance. That means you can use all the miles you earn to book flights on 20 different airlines, including Delta, KLM and Air France.

Compare Airline Credit Cards

You can use our credit card comparison tool to see how each miles card works for your spending habits. Browse the options below and adjust the spending inputs to find the card that's most rewarding for you.

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There are dozens of great airline miles credit cards available, and not all of them could make our list. Below are a few of the best options that we left out.

Chase Sapphire Reserve®: This is one of the best luxury credit cards on the market, along with The Platinum Card® from American Express. However, most people looking for a top-notch airline credit card might not need the extra perks that come with the Chase Sapphire Reserve®, like airport lounge access. That's why we primarily recommend the Chase Sapphire Preferred® Card.

Capital One® Venture® Rewards Credit Card: With 2 points per dollar on all purchases, this is another great miles card with an annual fee under $100. The miles you earn with the Capital One® Venture® Rewards Credit Card can either be applied as statement credit towards travel purchases or transferred to loyalty program partners at a 2:1.5 ratio.

American Express® Gold Card: The American Express® Gold Card is a high-earning but expensive miles card. For a $250 annual fee (See Rates & Fees), it earns 4 points per dollar at U.S. grocery stores and restaurants, plus 3 miles per dollar on airfare booked through American Express. Points earned on the American Express® Gold Card can be transferred to a variety of travel partners through the American Express Membership Rewards program.

For rates and fees of the American Express® Gold Card, please click here.

Credit cards aren't one-size-fits-all, so the cards on this list may not be best for you. Here are some things to think about before applying for an airline miles card.

Do You Carry a Balance?

If you carry a balance from month to month, you'll be better off with a low-interest credit card than an airline miles card. Otherwise, you'll likely spend more on interest payments than you'll earn on rewards. Consider that you might get a 4% to 5% return on one of the best airline cards, but you'll pay 15% to 25% in interest charges if you don't pay your bill in full.

What's Your Credit Score?

You'll have a hard time getting approved for an airline miles credit card if your FICO score is below 680. Plus, your credit score will take a hit each time you incur an inquiry on your report by applying for a new card. If you don't know your credit score, it's best to check and make sure it's in the good to excellent range—i.e., above 680, but ideally above 700—before putting in any applications. If your score is low, you can build credit with a secured card.

How Much Do You Spend?

The best airline miles and rewards credit cards come with annual fees, some upward of $400. Card issuers charge these fees in order to offset the amount they pay out in rewards. In most cases, you won't get value out of a card unless you spend about $1,000 per month. If you don't meet this threshold, you should consider opting for a no-annual-fee card.

Are You Loyal to One Airline?

If you're loyal to one airline because they have a hub in your home city, you'll likely benefit from getting a co-branded airline card. However, if you live in a city with multiple airline options, it almost always makes sense to get a card with transferable rewards points. This way, you won't be restricted to a specific carrier or airline alliance when it comes time to find award space.

Our mission is to curate the best financial products available—in this case, the most rewarding airline miles credit cards. To accomplish this, we looked at cards offered by the largest issuers, including American Express, Bank of America, Barclays, Capital One, Chase, Citibank and Discover. We also considered cards that frequently appear on other review sites or that were recommended to us by readers. To narrow the list to our final recommendations, we considered the five factors below.

Rewards Rate

Our first step was to eliminate any credit card that provided consumers less than a 3% return on travel or airfare purchases (unless it had some overwhelmingly strong value proposition). Cardholders that typically get approved for airline credit cards have good-to-excellent credit scores, and in this subcategory of rewards cards, that '3%' mark is what we consider the cream of the crop. The only exception to this rule are no-annual-fee cards. For these, consumers should expect to get at least 1.5%-2% back on their purchases.

Loyalty Bonus

We gave strong preference to co-branded cards that provide cardholders with extra incentives, like priority boarding, free checked bag benefits or in-flight meals. If you're going to subscribe to a particular airline's credit card, you should expect something extra for that loyalty, beyond the standard elevated rewards rate (which you could get from a regular rewards credit card).

No Foreign Transaction Fees

A top-notch airline credit card shouldn't charge any foreign transaction fees. It's standard for most cards to impose a 3% fee anytime you use them outside of the United States. However, cards that are geared towards travel should waive such fees.

Companion Fares

Out of all the perks you'll find on airline credit cards, companion fares are often the most valuable—potentially worth hundreds of dollars each year. That's why we gave strong preference to any credit card that awarded such a benefit. Companion fares are similar to a buy-one-get-one-free promotion with minimal costs. They're fantastic for people that tend to travel with family or friends.

Miles Flexibility

The best credit card rewards programs allow members to transfer their points to a variety of airline and hotel travel partners. Likewise, the best airline cards should also have miles that can be used in a variety of ways without losing value. This is why we featured co-branded airline cards issued by the 3 major U.S. airlines—these airlines belong to large alliances, so your miles can be redeemed across a pool of carriers.

Frequently Asked Questions

Below are some of the most common questions our readers have when applying for a new credit card. If you don't see your question answered here, send us an e-mail at [email protected] and someone from our team will get back to you.

Our research shows that the Chase Sapphire Preferred® Card has the best rewards program for earning flight points and miles. Out of all the credit card rewards programs, Chase Ultimate Rewards provides the best transfer options — you can move your miles at 1:1 to any of the 9 airline partners including Southwest, United and Singapore Airlines.

For most travelers, the Alaska Airlines rewards program will provide the best value. Its miles are worth, on average, $0.018 which is a lot higher than competitors like Delta or American Airlines. Alaska also has a decent assortment of domestic and international destinations, especially now that it has acquired Virgin America.

Airline credit cards are worth it for people who travel at least 2 to 3 times per year. Most of the top-tier miles cards charge an annual fee. However, if you're able to pay for one ticket with miles and points that's a net savings of hundreds of dollars.

Unfortunately, most airline credit cards require good or excellent credit. If you have a low credit score (below 650), we recommend applying for one of the U.S. Bank secured credit cards, like Aeromexico. If you have a FICO score above 720 and a solid credit history, you shouldn't have trouble getting approved for the cards we recommend above.

Chase may automatically decline if you have opened five or more personal credit cards (across all banks) in the last 24 months. This is generally referred to as the "5/24 Rule". The rule is not official and has not been announced by Chase. Instead, everything we know about it comes from multiple user reports. Keep in mind that this is just one factor in a credit decision — you may be declined for a credit card if you don't meet the minimum credit score, credit history or income requirements. These are the cards which are reportedly subject to the 5/24 rule:

  • Chase Freedom
  • Chase Freedom Unlimited
  • Ink Business Cash Credit Card
  • Ink Business Preferred Credit Card
  • Chase Sapphire Preferred Card
  • Chase Sapphire Reserve
  • Chase Slate
  • Marriott Rewards Premier Plus Credit Card
  • Southwest Rapid Rewards Plus Credit Card
  • Southwest Rapid Rewards Premier Credit Card
  • Southwest Rapid Rewards Premier Business Credit Card
  • Starbucks Rewards Visa Card
  • United MileagePlus Club Card
  • United MileagePlus Club Business Card
  • United MileagePlus Explorer Card
  • United MileagePlus Explorer Business Card
Yowana Wamala

Yowana is a Junior Research Analyst at ValuePenguin, specializing in travel and rewards programs. He previously covered mortgages and banking for the website before graduating from Columbia University with a B.A. in Political Science.

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, Amazon Business American Express Card, and Marriott Bonvoy Brilliant™ American Express® Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).