Benji Stawski is a former reporter for the site, covering all things points, miles, credit cards, travel and aviation.
Danyal Ahmed Credit card writerCredit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
March 21, 2024 16 min read
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As you look ahead to summer and fall trips, it's important to consider what card you will use to book your flights. Every time you purchase an airline ticket with your credit card, you could earn valuable bonus points or miles toward your next award trip.
And don't forget about the perks that make your flights go smoother and protect you when things go wrong, such as airport lounge access and trip delay reimbursement.
Surprisingly, cobranded airline cards won't always get you the highest value from your flight tickets. So, before you miss the opportunity to earn additional rewards on this spending, consider opening and using one of these top cards for airfare purchases.
The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
| Card | Bonus for airfare purchases (return based on TPG valuations) | Notes | Annual fee |
|---|---|---|---|
| The Platinum Card from American Express | 5 points per dollar (10%) | Valid on flights purchased directly from the airline or through Amex Travel (on up to $500,000 per calendar year, then 1 point per dollar). Terms apply. | $695 (see rates and fees) |
| The Business Platinum Card from American Express | 5 points per dollar (10%) | Valid on flights purchased through Amex Travel. Terms apply. | $695 (see rates and fees) |
| Chase Sapphire Reserve | 3 points per dollar (6.15%) | Valid on all travel (excluding the $300 travel credit), including flights | $550 |
| Ink Business Preferred® Credit Card | 3 points per dollar (6.15%) | Valid on the first $150,000 spent in combined purchases each account anniversary year across the categories of travel (including flights), shipping purchases, internet, cable and phone services, and advertising purchases with social media sites and search engines. | $95 |
| American Express Gold Card | 3 points per dollar (6%) | 3 points per dollar on flights purchased directly from the airline or through amextravel.com | $325 (see rates and fees) |
| American Express Green Card | 3 points per dollar (6%) | 3 points per dollar on travel, including flights | $150 (see rates and fees) |
| Chase Sapphire Preferred Card | 2 points per dollar (4.1%) | 2 points per dollar on travel, including flights | $95 |
Now, let's look at each option to help decide which makes the most sense for your wallet.
Annual fee: $695 (see rates and fees)
Welcome offer: The current welcome offer for the Amex Platinum is 80,000 Membership Rewards points after you spend $8,000 on purchases on your new card in your first six months of card membership. Check the CardMatch tool to see if you're targeted for an even higher bonus (offer is subject to change at any time).
Earning rates: Earn 5 points per dollar on flights booked directly with airlines and through American Express Travel (on up to $500,000 on these purchases per calendar year). Plus, you'll earn 5 points per dollar on prepaid hotel bookings through amextravel.com and Fine Hotels + Resorts and 1 point on everything else.
Daily Newsletter Reward your inbox with the TPG Daily newsletter Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s expertsAnalysis: In addition to earning 5 points per dollar on flights booked directly with airlines and through Amex Travel, cardmembers can unlock significant discounts on airfare through the International Airline Program and will get a suite of travel protections when booking round-trip flights. Plus, your airport experience will be more comfortable because you'll get access to airport lounges in Amex's Global Lounge Collection.
You'll get value far beyond booking flights with the Amex Platinum since it offers more than $1,500 in annual statement credits for select prepaid hotels, Equinox gym memberships, Clear Plus membership, select digital entertainment subscriptions, incidental fees on airlines and Uber purchases in the U.S., effectively reducing the annual fee. Enrollment is required for select benefits.
Finally, you'll receive Gold status with Hilton and Marriott and elite status with Avis, Hertz and National. (Enrollment required for select benefits.)
Annual fee: $695 (see rates and fees)
Welcome offer: The current welcome offer for the Amex Business Platinum is 150,000 points after you spend $20,000 on eligible purchases within the first three months of card membership.
Earning rates: Earn 5 points per dollar on airfare and prepaid hotels booked through Amex Travel, 1.5 points per dollar on eligible purchases in select business categories and eligible purchases of $5,000 or more (on up to $2 million of these purchases per calendar year), and 1 point per dollar on all other purchases.
Analysis: Unlike the personal Amex Platinum, the Amex Business Platinum doesn't earn 5 points per dollar on tickets purchased directly from the airline — only on airfare and prepaid hotels booked through Amex Travel. Still, if you can find what you need through the Amex travel portal, paying with the business card will get you the same impressive 10% return (based on TPG's valuations).
And with the Amex Business Platinum, if you pay with points for first- or business-class airfare on any airline or any class of airfare on your airline of choice, you get a 35% rebate (up to 1 million points per calendar year), which effectively yields 1.54 cents per point in value. Like the personal version, the Amex Business Platinum includes access to the International Airline Program, which can give you significant savings on flights.
Cardholders get access to airport lounges in Amex's Global Lounge Collection and other travel benefits, such as an up-to-$200 annual airline fee credit, a credit for a Global Entry or TSA PreCheck application (up to $100), and automatic Gold status in both the Hilton Honors and Marriott Bonvoy loyalty programs. Non-travel benefits include up to $400 in annual statement credits toward U.S. Dell purchases (valid until 12/31/24). Enrollment is required for select benefits.
Annual fee: $550
Sign-up bonus: The Chase Sapphire Reserve currently comes with 60,000 bonus points after you spend $4,000 on purchases in the first three months of account opening.
Earning rates: Earn 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Ultimate Rewards portal, 3 points per dollar on all other travel (including airfare, hotels, car rentals, parking and tolls) and dining and 1 point per dollar on everything else. You'll also earn 10 points per dollar on Lyft rides (through March 2025).
Analysis: The Chase Sapphire Reserve earns Chase Ultimate Rewards points, worth 2.05 cents each according to TPG valuations, thanks to the option to transfer them to Chase's 11 airline and three hotel transfer partners. You can also redeem these points for travel and activities through the Ultimate Rewards travel portal. Your points are worth 1.5 cents a piece when you go this route.
With this card, you'll get additional benefits like an annual $300 travel statement credit, a Global Entry/TSA PreCheck application fee credit, and access to Sapphire and Priority Pass lounges and restaurants. If anything goes wrong with your flight, this is the card you want to carry since it comes with industry-leading trip cancellation/interruption insurance, auto rental collision damage waiver, lost luggage reimbursement, trip delay reimbursement, and emergency evacuation and transportation.
Annual fee: $95
Sign-up bonus: The Ink Business Preferred Card currently has a sign-up bonus of 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
Earning rates: Earn 3 points per dollar on the first $150,000 spent in combined travel; shipping; internet, cable and phone services; and advertising purchases made on social media sites and search engines each account anniversary year. Earn 1 point per dollar on everything else.
Analysis: Note that the enhanced earning rate on the above categories applies to the first $150,000 spent in combined purchases across those categories. This card also earns Chase Ultimate Rewards points, which you can transfer to any of Chase's travel partners or redeem through the Ultimate Rewards portal at a rate of 1.25 cents each.
Although coverage isn't as comprehensive as with the Chase Sapphire Reserve, the Ink Business Preferred still offers a good array of travel protections.
Annual fee: $325 (see rates and fees)
Welcome offer: The Amex Gold 's current welcome offer is 60,000 bonus points after spending $6,000 on purchases in the first six months of card membership. Plus, receive 20% back in statement credits on eligible restaurant purchases (up to $100) within the first six months of card membership. Check the CardMatch tool to see if you're targeted for an even higher offer (subject to change at any time).
Earning rates: Earn 4 points per dollar at restaurants worldwide (on the first $50,000 spent each calendar year, then 1 point per dollar), 4 points per dollar at U.S. supermarkets (on the first $25,000 spent each calendar year, then 1 point per dollar), 3 points per dollar on flights booked directly with airlines or on amextravel.com, 2 points per dollar on prepaid hotels and other eligible purchases on amextravel.com and 1 point per dollar on all other eligible purchases.
Analysis: This card offers 3 points per dollar on airfare purchased directly from the airline or through amextravel.com. According to TPG valuations, American Express Membership Rewards points are worth 2 cents each, so you'll earn a 6% return. You also get a whopping 4 points per dollar at restaurants, up to $50,000 spent each calendar year, then 1 point per dollar and at U.S. supermarkets, up to $25,000 spent each calendar year, then 1 point per dollar.
The card also offers up to $120 in statement credits for dining at participating restaurants each calendar year and up to $120 annually in monthly Uber Cash. It provides solid shopping protections, though its travel protections aren't as comprehensive as those other American Express cards offer. You must have downloaded the latest version of the Uber App and your eligible American Express Gold Card must be a method of payment in your Uber account. Enrollment is required.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
Annual fee: $150
Welcome offer: New applicants can earn 40,000 bonus Membership Rewards points after spending $3,000 on purchases in the first six months of card membership.
Earning rates: Earn 3 points per dollar on travel (including flights, hotels, vacation rentals and more), transit (including trains, buses, ferries, subway and more) and dining at restaurants, as well as 1 point per dollar on all other purchases.
Analysis: The Amex Green Card is a great way to earn Membership Rewards points on all your travel purchases for a lower annual fee than its Gold and Platinum siblings. The ability to earn 3 points on broadly defined travel and transit categories means you're likely to earn an effective 6% return (according to TPG valuations) on all the major elements of your travels, and you'll be able to earn bonus points when you dine out whether you're traveling or at home.
In addition to these solid bonus categories, the Amex Green offers up to $199 in credits for a Clear Plus membership and up to $100 in Lounge Buddy credits. These aren't nearly as valuable as the Amex Platinum Card's statement credits or as easy to use as the Amex Gold's, but they can help make your travels more comfortable. You'll also get travel and shopping protections with this card.
The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Annual fee: $95
Sign-up bonus: The Chase Sapphire Preferred Card's current sign-up bonus is 60,000 bonus points after you spend $4,000 on purchases in the first three months of account opening.
Earning rates: Earn 5 points per dollar on all travel purchased through the Chase Ultimate Rewards travel portal; 2 points per dollar on all other travel (including airfare) not purchased through the Chase travel portal; 3 points per dollar on dining, select streaming services and online grocery purchases and 1 point per dollar on all other purchases.
Analysis: The Chase Sapphire Preferred is ideal for those who want to earn valuable rewards without paying a high annual fee. Five points per dollar on travel through Chase's travel portal is extremely generous for a card with this low of an annual fee. It also earns 2 points per dollar on all other travel expenses booked outside the Chase travel portal, including hotels, Airbnbs, public transit and more.
The rewards you earn with this card are fully transferable, so you can transfer your points to any of Chase's travel partners. Similar to the other Chase cards listed above, you'll get several travel protections when booking your flights with this card, including trip delay reimbursement, trip cancellation insurance and baggage delay insurance. You'll also get primary car rental coverage if you rent a car during your trip.
Airfare is a popular bonus category among the top rewards cards. However, the Amex Platinum and Amex Business Platinum stand out. Besides offering what's effectively a 10% return on your spending, they can score you exclusive discounts on your flights and offer an array of travel protections. On top of that, they provide access to more airport lounges than any other card.
That said, if you don't want to pay a high annual fee, the Chase Sapphire Preferred and Ink Business Preferred Credit Card are solid options and offer solid sign-up bonuses. Regardless of your priorities, reach for a card on this list the next time you book airfare to ensure you get a good return.
For rates and fees of the Amex Platinum Card, click here.
For rates and fees of the Amex Business Platinum Card, click here.
For rates and fees of the Amex Gold Card, click here.
For rates and fees of the Amex Green Card, click here.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
