Today we are going to look at 4 airline credit card from smaller banks. And these credit cards can offer some great value and they aren’t from a bank named Chase, American Express, or Citi.
These credit cards could be good options for someone in the mid to late game. That’s because you should make sure to get your cards in order from other banks. Once you get beyond 5/24 for Chase, 6/24 for Barclay and others, then I would consider these cards.
Aeroplan Visa Signature Card
The Aeroplan Visa Signature card is issued by TD bank and comes with a 25,000 point bonus after you spend $1,000 in the first 90 days.
While 25,000 miles isn’t the greatest for a sign up bonus, For those of you who saw my live demonstration where I mentioned Aeroplan, for 25,000 miles you can visit 2 cities in the US because they allow a domestic stopover.
The Aeroplan credit card earns 2 miles per dollar spent on Air Canada purchases and 1 mile per dollar spent everywhere else.
Aeroplan is a transfer partner of Membership Rewards and Capital One, so this is not a great card for daily spend.
It does have a $95 annual fee which is waived in the first year.
Cathay Pacific Synchrony Visa Card:
The Cathay Pacific Visa card is issued by Synchrony, which is a bank that has a lot of store credit cards. So this is great for people who have really been locked out by the bigger banks.
We’ve seen this bonis come a few different ways, but it is publicly offering 40,000 miles after spending $2,000 in the first 90 days. We’ve seen bonus go to 65,000 points and recently there was a targeted 90,000 mile offer.
The Cathay Pacific credit card earns 2 miles per dollar on Cathay Pacific flights and in flight purchases. 1.5 miles per dollar spent on dining, 1.5 miles per dollar on all purchases made outside the US and 1 mile per dollar on all other purchases made inside the US.
Asia Miles is a transfer partner of Membership Rewards, Thank You Points, and Capital One. So while it seems like a good card to possibly use for daily spending, it isn’t.
You do receive Marco Polo Club Green status for your first year, which has some benefits like priority boarding, and discounted award flights.
This card comes with a $95 that is not waived in the first year.
The last 2 cards are both for Avianca. Both of these cards are issued by the Banco Popular de Puerto Rico
I did a demonstration video on booking flights with LifeMiles and these miles are pretty great solid. So if you are looking to see how to get more value from Lifemiles check it out.
Lifemiles aren’t perfect, and the did just update their site but they don’t pass on fuel surcharges to customers which is a great money saver.
Avianca Vida Visa Card
The Avianca Vida Visa which currently has a 20,000 point bonus after your first purchase. This has been as high as 40,000 points after your first purchase in the past.
THe Vida Visa does come with a $59 annual fee that isn’t waived.
The Vida Visa earns 2 miles per dollar on Avianca purchases and 1 mile per dollar everywhere else.
The Vida Visa offer a 15% discount on purchases of miles with Multiply your miles.
This is the last impressive of the 2 Avianca cards, but if you can grab the 40,000 mile offer, that is enough points for a roundtrip ticket from US 1 to Europe 1.
Avianca Vuela Visa
The Avianca Vuela Visa where you will earn 40,000 points after your first purchase. This has been as high as 60,000 points after your first purchase in the past as well.
The Vuela Visa has a $149 annual fee and it is not waived in year 1
The Vuela Visa earns 3 miles per dollar on Avianca purchases, 2 miles per dollar on gas and grocery store purchases and 1 mile per dollar everywhere else.
The Vuela comes with better benefits such as no foreign transaction fees, and when you spend $12,000 in a calendar year, you will receive a one time 50% discount on award flights from the US to Central America or Columbia. And when you spend $24,000 in a calendar year, you would receive an additional one time 50% discount on award flights from the US to Central American or Columbia.
Avianca is a transfer partner of Membership Rewards, Thank You Points, and Capital One. So these cards wouldn’t be a great option for daily spend.
Something you might want to keep in mind with this card. There are plenty of reports mentioning that this bank isn’t the easiest to work with.
While we see Chase, American Express, Citi, and even cards from Bank of America gather more attention for co-branded airline cards. These 4 credit cards can offer you some pretty solid value that can really help you reduce your travel cost.
All of these programs are part of one or more flexible currency programs and using these cards for daily spending isn’t the best option. It would be best to put your spending on the flexible currency cards, then transfer them to these programs.
If you are newer to the credit card game, I would wait on these cards are there are other cards you should focus on first. But once you reach the mid to late game, I would take advantage of these cards with a destination in mind.
All of these have their place and could really help you reduce your travel cost.
So tell me, have you considered opening one of these cards?
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