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8 Best Airline Credit Cards of January 2020

Gregory KarpJanuary 14, 2020

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

NerdWallet's Best Airline Credit Cards of January 2020

Our pick for

Flexible redemption + big sign-up bonus

Chase Sapphire Preferred Credit Card

on Chase's website

Annual Fee

$95

Rewards Rate

1x-5x

Points

Intro offer

60,000

Points

Recommended Credit Score
It's not a branded airline card, but the Chase Sapphire Preferred® Card works a lot like one — and is in some cases better. You earn 2X points on all travel and dining, and the points are more valuable and more flexible than many airlines' frequent flyer miles.

Pros

You earn 2 points per dollar spent on travel and dining and 1 point per dollar elsewhere. Points are worth 1.25 cents apiece when redeemed for travel booked through Chase — any travel, with any airline or hotel. You can also transfer them at a 1:1 rate to several airlines’ frequent-flyer programs, including United, Southwest, JetBlue, British Airways, Air France/KLM and Virgin Atlantic. Plus, the card comes with a generous sign-up bonus.

Cons

As a general-purpose travel card, the Chase Sapphire Preferred® Card doesn't offer free checked bags, preferred boarding or other perks offered by credit cards that carry an airline's brand.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No delivery fees for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash -over a $100 value. Activate with your Chase Sapphire card by December 31, 2021.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.

Our pick for

United Airlines + Best domestic airline card

Chase United Airlines Mileage Plus Credit Card

on Chase's website

on Chase's website

Annual Fee

$0 intro for the first year, then $95

Rewards Rate

1x-2x

Miles

Intro offer

40,000

Miles

Recommended Credit Score
The United℠ Explorer Card delivers terrific value, with several perks not offered by other airline cards in its price range. If you fly United regularly — or have the option to — it's a must.

Pros

You earn 2 miles per dollar on United purchases, at restaurants and on hotel stays; other purchases earn 1 mile per dollar. The first checked bag is free for you and a companion, and you get priority boarding. Each year, you receive two one-time passes to United Club airport lounges, and the card reimburses your application fee for TSA Precheck or Global Entry. You even get primary rental car insurance and a great sign-up bonus.

Cons

Other cards provide a free checked bag for more people traveling on your reservation. As with any branded airline card, you're limited in how you can redeem your rewards.
  • Limited time offer! Earn up to 65,000 Bonus Miles.
  • $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

Our pick for

Delta Air Lines + Best checked bag benefit

American Express Gold Delta SkyMiles Credit Card

on American Express's website

Rates & Fees
Annual Fee

$0 intro for the first year, then $95

Rewards Rate

1x-2x

Miles

Intro offer

30,000

Miles

Recommended Credit Score
With its great checked bag benefit, the Gold Delta SkyMiles® Credit Card from American Express could save you hundreds of dollars a year if you travel often and not necessarily light. Plus, it's a solid value for regular Delta flyers.

Pros

Like to travel as a group? This card provides a free checked bag for yourself and up to eight other people traveling on your reservation. You also get priority boarding. You'll earn 2 miles per dollar spent on Delta purchases and 1 mile per dollar on everything else. There's a great bonus offer for new cardholders, too.

Cons

As with other co-branded airline cards, if you’re redeeming miles for flights, your options are limited. You won’t pay foreign transaction fees, but it’s an American Express card, and AmEx isn't as widely accepted outside the U.S. as Visa and Mastercard.
  • Earn 30,000 bonus miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles on every eligible 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 $240 for a family of 4 roundtrip.
  • Receive Main Cabin 1 Priority Boarding on Delta flights, stow your carry-on bag and settle in sooner.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • View Rates and Fees

Our pick for

Southwest Airlines

Southwest Rapid Rewards® Priority Credit Card

on Chase's website

Annual Fee

$149

Rewards Rate

1x-2x

Points

Intro offer

40,000

Points

Recommended Credit Score
The Southwest Rapid Rewards® Priority Credit Card comes with an array of perks that not only make up for its annual fee, but actually make it a better value than the airline's lower-priced cards.

Pros

This card offers the same (excellent) sign-up bonus and earns the same rewards as Southwest cards with annual fees that are $50 to $80 lower. But its perks quickly make up the difference: a $75 annual credit for Southwest purchases, up to four free upgraded boardings every year (worth $30 to $50 apiece), a 7,500-point annual bonus, 20% off in-flight purchases, and a boost toward elite "A-List" status. Rewards: 2 points per dollar spent with Southwest and its hotel and rental-car partners; 1 point per dollar on other purchases.

Cons

Many airline credit cards waive the annual fee the first year, but this one does not. Like to travel abroad? Southwest provides service to only a limited number of international destinations in Latin America and the Caribbean.
  • Earn up to 75,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 35,000 points after you spend $5,000 on purchases in the first 6 months your account is open.
  • 7,500 bonus points after your Cardmember anniversary.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 20% back on in-flight drinks and WiFi.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • No foreign transaction fees.

Our pick for

Alaska Airlines

Bank of America Alaska Airlines Visa Signature®  Credit Card

on Bank of America's website

on Bank of America's website

Annual Fee

$75

Rewards Rate

1x-3x

Miles

Intro offer

40,000

Miles

Recommended Credit Score
The Alaska Airlines Visa Signature® credit card is a solid choice for those who can fly the airline regularly. Its Companion Fare alone makes it well worth the modest $75 annual fee.

Pros

This card's Companion Fare allows you to get a ticket for a traveling partner for just $99 plus taxes and fees once a year. Also valuable: a free checked bag on Alaska flights for you and up to six other passengers on the same reservation. As for rewards, you earn 3 miles per dollar spent directly on Alaska Airlines purchases and 1 mile per dollar on everything else. There's also a nice bonus for new cardholders.

Cons

Although Alaska Airlines' acquisition of Virgin America expanded the airline's footprint, it still doesn’t fly to every state, making its credit card a poor choice for some. And the annual fee is not waived for the first year, as it is with some other airline cards.
  • NOW - 40,000 Bonus Mile + Alaska's Famous Companion Fare™ Offer.
  • Get 40,000 bonus miles and Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
  • Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
  • Get Alaska's Famous Companion Fare™ every year! EACH YEAR on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com with no blackout dates.
  • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases. And, your miles don't expire on active accounts.
  • NEW! Enjoy 50% off day passes at the Alaska Lounge and 20% back on all Alaska Airlines inflight purchases when you pay with your new card.
  • Redeem miles with no blackout dates on any of Alaska's 1,200 daily flights or choose from over 900+ destinations with more than a dozen global airline partners. Plus, get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Alaska Airlines Hotels.
  • Plus, no foreign transaction fees and a low $75 annual fee.

Our pick for

JetBlue

Barclays JetBlue Plus Credit Card
Annual Fee

$99

Rewards Rate

1x-6x

Points

Intro offer

40,000

Points

Recommended Credit Score
Regular travelers on JetBlue will enjoy the generous rewards on the JetBlue Plus Card. The rate you earn on flights with the airline far outpaces what's offered by other cards in its price range.

Pros

This card earns a whopping 6 points per dollar on JetBlue purchases, plus 2 points per dollar at restaurants and grocery stores and 1 point per dollar elsewhere. JetBlue points have a relatively high value, too, amplifying those rewards. You get a free checked bag for you and up to three companions, 5,000 bonus points each account anniversary, a great sign-up bonus and other perks.

Cons

JetBlue's routes are focused primarily on the East Coast and the Caribbean, making it a poor choice for many travelers. The carrier is not a member of an airline alliance (although it has partners that are), which complicates your redemption options.
  • Earn 40,000 bonus points after spending $1,000 on purchases in the first 90 days and paying the annual fee
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights
  • Points awarded in your TrueBlue account don't expire
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% inflight savings on cocktails and food purchases
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card

Our pick for

No-annual-fee airline card

Blue Delta SkyMiles® Credit Card from American Express"

on American Express's website

Rates & Fees
Annual Fee

$0

Rewards Rate

1x-2x

Miles

Intro offer

10,000

Miles

Recommended Credit Score
To unlock the most valuable perks of airline credit cards, you'll have to pay an annual fee. But if you're a leisure traveler just hoping to earn airline miles in the background, it's hard to do better than the Blue Delta SkyMiles® Credit Card from American Express

Pros

The rewards are similar to what you'd earn with any airline card: 2 points per dollar on purchases directly with Delta and 1 point per dollar on other purchases. But you also get 2 points per dollar at U.S. restaurants. There's a modest sign-up bonus, too, and you save 20% on in-flight purchases. Terms apply.

Cons

You don't get the free checked bags or priority boarding privileges that other cards offer — but then again, you're not paying for those perks either.
  • Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
  • View Rates and Fees

Our pick for

Airline card for small business

Small-business credit cards aren't just for people with storefronts or offices. If you're a freelancer, have a "side hustle" or do gig work, you may a good candidate for a small-business credit card, too. Having a dedicated card for your money-making enterprise helps you keep business and personal finances separate.

American Express Delta Reserve for Business Credit Card

on American Express's website, or call (866) 512-6673

Rates & Fees
Annual Fee

$450 ($550 if application is received on or after 1/30/2020)

Rewards Rate

1x-2x

Miles

Intro offer

40,000

Miles

Recommended Credit Score
If your business has you on the road a lot, you'll appreciate the airport lounge access on the Delta Reserve for Business Credit Card. The annual companion certificate — which is good even in first class — and the checked-bag benefit add considerable value, too.

Pros

The card gets you into Delta's Sky Clubs (an annual membership costs $545), and starting Jan. 30, 2020, you can also use it to access American Express Centurion Lounges when flying Delta. Every year, you get a companion certificate, which lets you bring someone with you on a domestic flight, regardless of what fare class your ticket is. Rewards: 2 miles per dollar on Delta purchases and 1 mile per dollar on other purchases. There's a super sign-up bonus, too. Terms apply.

Cons

All the perks come at a cost, and a high one: The annual fee is $450 ($550 if application is received on or after 1/30/2020). That fee can be a deductible business expense, though, and if you use this card as intended, you'll get your money's worth.
  • Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
  • With Miles Boost®, you can earn 15,000 bonus miles and 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 or more in eligible purchases on your Card in a calendar year.
  • Earn an additional 15,000 bonus miles and 15,000 MQMs after you spend $60,000 in eligible purchases on your Card in a calendar year for a total of 30,000 bonus miles and 30,000 MQMs. Starting January 30, 2020, you will no longer earn bonus miles with this benefit.
  • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • Enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit.
  • Terms and limitations apply
  • View Rates and Fees

OTHER RESOURCES

How much is an airline mile worth?

By Joe Cortez, NerdWallet point and miles expert

Airline credit cards earn frequent-flyer program miles every time you use the card, but the value of these miles depends both on the airline and how you redeem the miles. As a general rule, airline miles go further if you use them for business- and first-class accommodations on international flights.

To better understand what miles are worth, NerdWallet researched the cash prices and reward-redemption values for hundreds of flights. The table below shows average values derived from that research.

Average value per point/mile, in cents
Airline Domestic International
Alaska 1.2 1.1
American 1.0 5.0
Delta 1.4 2.7
Frontier 0.8 1.1
JetBlue 1.5 1.7
Southwest 1.6 1.9
Spirit 0.4 0.7
United 1.3 3.3

How to choose an airline credit card

The first step in choosing an airline credit card is determining whether an airline card even makes sense for you, especially compared with a general travel credit card whose rewards aren't tied to a specific carrier. An airline card can be a good choice if you regularly fly the same airline and do so often enough that the benefits you get from the card justify the annual fee.

The more you fly a particular airline, the more able you are to rack up enough miles for a free flight or seat upgrade and use those rewards for a flight you want. Checked bags are a big consideration because most major airline cards include a checked bag fee waiver, which can be valuable and quickly make up for the annual fee.

If you fly mostly one airline, choose a card from that carrier. If you regularly fly a couple of airlines, you might even consider getting cards for both. In choosing among a major airline’s credit cards, a primary differentiator is airport lounge access. If you think lounge access is worth it, get the premium card but be prepared to absorb a hefty annual fee. Beware that a lower-tier, no-annual-fee airline card might not include free checked bags.

For more, see our guide to choosing an airline credit card.

Should you consider a no-annual-fee airline card?

The three biggest domestic airlines all offer credit cards with no annual fee:

  • American: American Airlines AAdvantage MileUp Card.
  • Delta: Blue Delta SkyMiles® Credit Card from American Express.
  • United: United℠ TravelBank Card.

No-annual-fee airline cards are best for people who don't travel regularly but still want to earn airline miles — those who get a psychological boost from "getting closer to a trip" with each purchase. NerdWallet doesn't recommend no-annual-fee airline cards for frequent flyers because while they earn miles (often at comparable rates to annual-fee cards) and sometimes entitle you to a discount on in-flight food and entertainment, they lack the most valuable benefits of carrying an airline card:

  • Annual-fee airline cards generally include a free checked bag for you and at least one other person traveling on your reservation. With $30 bag fees now standard, this perk alone can save a couple $120 on a single roundtrip, more than enough to make up for the typical $95 annual fee. As a rule, no-annual-fee cards do not include free bags.
  • Annual-fee airline cards usually give you preference in boarding. Some airlines call this "priority boarding," others call it "preferred boarding." It generally means that you're allowed to board the plane after the passengers with elite frequent-flyer status but before everyone else. No-annual-fee cards don't give you and head start on boarding.
  • Annual-fee airline cards offer richer bonuses. Sign-up bonuses on cards with fees are typically hundreds of dollars more than on no-annual-fee cards.

For hardcore travelers, top-of-the-line cards with annual fees in the $450 range may offer all of the above plus VIP service, access to the airline's airport lounges and other luxury perks.

If you fly a single airline a couple of times a year and you regularly check bags, you'll easily save more money with an annual-fee card than with a no-annual-fee option. But if you're dead-set against paying annual fees in any case, consider skipping an airline card entirely. Consider a no-annual-fee general-purpose travel credit card whose rewards can be used on any airline (or any other travel expense), or get a good cash-back credit card and save your cash rewards for your next trip.

How to make the most of your airline credit card

Make sure to link your airline card with your frequent-flyer account — that’s how some airlines determine whether you qualify for free checked bags. And with some airlines, notably United Airlines and JetBlue Airways, you must use your airline card to pay for your tickets in order to qualify for free checked bags.

Many airline cards have no foreign transaction fees, so can be a good choice to use while traveling abroad. Because airline cards typically give you accelerated rewards for airline purchases — often 2 miles or more per dollar spent — use the card for airfare, in-flight purchases and other airline-related expenses. More generally, optimize your card by learning not only all its features but also details of the frequent-flyer program it’s linked to.

For more, see our guides to airline frequent flyer programs.

Other cards to consider

Travel enthusiasts have multiple options besides airline cards, notably general travel credit cards. These cards provide travel rewards without tying you to a single airline. Their rewards usually apply to a wide range of travel-related expenses. And general travel cards tend to be simpler than airline-specific credit cards. So if you spread your flying among several airlines or don’t fly that much, a general travel card may be a better choice than an airline card.

You might not need a travel card at all, if a different kind of rewards credit card is a better fit. Indeed, a 2016 NerdWallet study found that most people — including many travelers — would get more in rewards with a cash-back card than with any travel credit card.

Finally, if you fly different airlines but prefer a particular hotel chain — or if you would just prefer free nights to free flights — consider getting a hotel credit card.


To view rates and fees of the Gold Delta SkyMiles® Credit Card from American Express, please visit this page.

To view rates and fees of the Blue Delta SkyMiles® Credit Card from American Express, please visit this page.

To view rates and fees of the Delta Reserve® Credit Card from American Express, please visit this page.

To view rates and fees of the Delta Reserve for Business Credit Card, please visit this page.

Last updated on January 14, 2020

Methodology

NerdWallet's Credit Cards team selects the best airline credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers and for flyers loyal to a specific airline. Factors in our evaluation include each card's annual fee, rewards earning rates, redemption options, bonus offers for new cardholders, and noteworthy perks such as free checked bags, priority boarding, free or discounted companion fares, in-flight privileges or discounts, and airport lounge access.

Frequently asked questions

Every time you use an airline-branded credit card to make a purchase, you earn rewards points, usually called "miles." Those miles get deposited into your account with the airline's loyalty program, where you can use them to book free flights. Many airline credit cards also come with perks, such as free checked bags, priority boarding, discounts on in-flight purchases or access to the airline's airport lounges.

You must be a member of an airline's loyalty program to earn miles with that airline's credit card. (Your card will be linked to your account in the program.) Airline loyalty programs are commonly referred to as "frequent-flyer" programs, but anyone can be a member. It's free, and you can join regardless of how often or how seldom you fly.

In most cases, there's no limit to the number of miles you can earn with an airline credit card. The more you spend, the more you earn:

  • With most airline cards, you earn at least 1 mile per dollar spent on the card.
  • Spending with the airline itself usually earns extra miles — 2 or more miles per dollar.
  • Some cards also give you extra miles for purchases in certain categories. For example, Southwest's cards give you extra points when you book with the airline's hotel and rental car partners, and the United℠ Explorer Card earns double miles at hotels and restaurants.

Additionally, most airline credit cards offer new cardholders a bonus as an incentive to use the card. Spend a certain amount of money — say, $2,000 — within the first few months, and you'll get tens of thousands of miles dropped into your account.

The miles you earn with an airline credit card come on top of the miles you earn from actually flying on the airline.

Most airline programs nowadays earn miles based on how much you pay for a ticket rather than how far you've flown. (The term "miles" is a holdover from the days when the miles you earned were literally based on the miles you flew.) For example, an airline might give basic members of their loyalty program 5 miles per dollar spent on a ticket. Buy a $1,000 ticket, and you earn 5,000 miles. You could get an additional 2 miles per dollar spent by buying the ticket with the airline's credit card. That would bump your total rewards for the flight to 7,000 miles.

There's no standard value for airline miles, although it's helpful to think of them as being worth about 1 cent apiece, on average. The actual value you get depends on how much money you save by redeeming them for a free flight. That, in turn, depends on the airline, the route you're flying, how far in advance you book your flight, and the fare class of the ticket (economy, business, first).

The two key factors here are the price of a ticket and the number of miles you need to redeem for the same ticket. For example, if you redeem 20,000 miles for a ticket that would have cost you $300, you're getting 1.5 cents per mile ($300 / 20,000 = $0.015).

NerdWallet has done extensive research to determine an average value per mile for the larger U.S. carriers. See our findings here. 

When it comes to using miles to book flights, the miles earned with an airline credit card are no different from the miles you earn by flying the airline. However, miles earned with a credit card usually don't count toward earning elite frequent-flyer status with the airline.

Elite status in a frequent-flyer program entitles you to perks not typically available to casual travelers, such as free seat upgrades, priority boarding, higher rewards rates, fee waivers and other benefits. Airlines reserve this status for their best customers, so elite qualifying is mostly tied to how much business you actually do with the airline — how much money you spend on tickets and how many flights you take. Miles earned from spending on a credit card generally don't count toward elite status.

That said, some airline credit cards offer a boost toward elite status as an added incentive to use their cards. Take the Southwest Rapid Rewards® Premier Credit Card. One way to gain Southwest's elite "A-List" status is to earn 35,000 "tier qualifying points" in a year. In general, you get qualifying points by buying tickets from Southwest; points earned from spending on the credit card don't count. However, for every $10,000 you spend on the card, the issuer throws in a bonus of 1,500 tier qualifying points (up to 15,000 a year).

Also, keep in mind that airline credit cards offer some of the perks of elite status, such as free checked bags and preferred boarding.

Many airline credit cards let you check a bag for free, which can save you about $30 on each flight you take. A couple round trips a year, and the money you save in bag fees can be enough to pay for a card with a $95 annual fee. In most cases:

  • The bag-fee waiver typically applies to the cardholder and at least one other person traveling on the same reservation. See major airline cards' baggage perks.
  • Some fine print applies. For example, you might not get a free bag if you don't book directly with the airline, or if you fail to provide a frequent-flyer number. See our tips to avoid bag-fee gotchas.
  • Airline credit cards with no annual fee generally do not offer free checked bags.

American, Delta and United airlines each offer a premium credit card that gives you unlimited access the the carrier's airport lounges. Annual fees on "club" cards are usually in the $450 range. Basic airline cards — those with fees of $95 or less —  don't offer the same access. However, a basic airline card might give you a small taste of the lounge life. The United℠ Explorer Card gives you two one-time lounge passes a year, and some other cards let you buy discounted day passes.

Most airline cards charge annual fees ranging from about $59 to $450. In some cases, the fee is waived in the first year. The higher the fee, the more benefits you can expect. American, Delta, United and JetBlue all offer cards without an annual fee for budget-minded travelers, but those cards don't give you much in the way of perks. You'll earn miles with your spending, and that's about it.