Like to travel? With MoneySuperMarket's selection of the best airline credit cards, you could earn reward points or flying miles that you can redeem against future flights. Some come with two cards or bonus miles on approval so you can earn even more while you spend.
What is an airmiles credit card?
An airmiles credit card is a type of reward card. When you shop with an airmiles credit card you’ll earn points based on what you spend, and these can later be put towards flights to worldwide destinations of your choice.
Which credit cards offer airmiles rewards?
There are a variety of airmiles credit cards on the market, including those from major high street banks and lenders, plus cards directly linked to particular airlines such as British Airways, Virgin Atlantic and Easyjet.
What are the advantages and disadvantages of airmiles credit cards?
A big advantage is that some airmiles credit cards offer free companion flights once you’ve saved up enough points for a trip - so a partner or friend could travel with you at no extra cost.
You may also benefit from extras such as access to a particular airport lounge or a place in the priority boarding queue.
Certain airmiles credit card providers will also allow you to pay to top up your points - useful if you haven’t accrued enough rewards to qualify for the flights you want.
In many cases you will also be able to combine frequent flyer miles with your credit card rewards - so these cards often work best for those who travel a lot.
However, on the downside, you might have to pay an annual fee for your airmiles reward card - in some cases as much as £150 a year. If you don’t spend enough on your airmiles card to earn plenty of free flights, it could be that the card’s benefits won’t outweigh the cost of keeping it.
Think about how much you’re likely to use an airmiles reward card and make sure it’s really worth having one before signing on the dotted line.
In addition, it’s worth being aware that you won’t always get your first choice of flight if you’re paying for your travel with airmiles. Instead, cash buyers will get first dibs on whatever is available. This means you’ll need to be flexible when booking a trip using airmiles rewards to cover your flight costs.
Above all, it’s very important that if you use an airmiles reward credit card you pay off your balance in full at the end of each month. The cost of paying interest on your spending will outweigh the advantage of earning reward points that you can swap for flights later - so if you need to borrow money, a 0% purchases credit card would be a better option for you.
How can I compare airmiles rewards credit cards?
MoneySuperMarket’s airline credit cards comparison channel lists some of the market’s top airmiles reward cards - so it’s a great place to start researching which one might be best for you.
Are there any alternatives to airmiles credit cards I should consider?
Airmiles reward credit cards work best for people who fly frequently and fly far - so if you go on lots of holidays to exotic destinations, using an airmiles reward card for your day-to-day spending (and then paying it off at the end of each month) could be a great idea.
On the other hand, if you don’t fly frequently and tend to stay closer to home when you go on holiday, a simple cashback credit card might be an alternative worth considering.
Cashback credit cards pay you back a proportion of what you spend, so provided you repay your balance in full each month you’ll avoid interest charges and could earn a decent amount of cashback each year.
Your personalised chance of approval
We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.
Why is this important?
Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.
The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.
- Consider a different card
- Not eligible
- Your chances are good
- You've been pre approved
If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.
If you see a pre-approved score it may be subject to you passing additional fraud checks by the provider.
In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.
We work closely with our partners to improve our eligibility scores for all products that are of interest to you.
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Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.