cjg225 From United States of America, joined Feb 2013, 460 posts, RR: 0 Posted (2 months 3 weeks 1 hour ago) and read 1078 times:
I'm not sure if this is the correct board to place this in, but it sounds most likely to be the right one...
What are folks' opinions of getting a general mileage card like a Capital One Venture card v.s. getting an airline specific one?
Now that I am out of school and working my first full-time job, I have been considering investing in a mileage credit card (I have only one card solely in my name and I have one card jointly held with my dad but only for emergencies) both to give me an extra card option and to build miles for personal trips.
I've heard anecdotal stories that the Capital One Venture card is actually pretty strong for miles. On the flip side, I am a loyal DL customer over most other air lines and I've thought for many years of getting an AMEX SkyMiles card. I don't know if it's really wise to lock myself into one airline's miles, though.
I apologize if this is the wrong board for this. I searched with the search bar up top and, admittedly, the threads I found were in Civil Aviation, but they were all many, many years old and I am not sure if Travel did not exist as a board then.
planeguy727 From United States of America, joined Mar 2007, 1159 posts, RR: 1 Reply 2, posted (2 months 2 weeks 6 days 20 hours ago) and read 1028 times:
Well if you are fairly loyal to one airline the question is do you earn status each year? If no, then there are some benefits to the co-branded card (waived bag fees, check in/security line/boarding benefits, bonus miles when purchasing air tickets on the airline, etc.).
I earn status on US each year, which gives me *Gold benefits on UA. For DL and AA I have the cards.
RyanairGuru From Australia, joined Oct 2006, 4068 posts, RR: 2 Reply 4, posted (2 months 2 weeks 6 days 16 hours ago) and read 991 times:
Quoting cjg225 (Thread starter): What are folks' opinions of getting a general mileage card like a Capital One Venture card v.s. getting an airline specific one?
I have a generic card, issued by Commonwealth Bank (the largest bank in Australia) which I use to earn Qantas points. Commonwealth have just slashed their accrual rates (needless say that was very unpopular!) which means I now earn less Qantas points per $ spent. To be honest I'm not sure what they were thinking as me (and no doubt many other people) are now in the market for a new credit card. I know that this is a long shot, and nobody can read the future, but I feel that you have a better chance of not having your accrual levels cut if you use a branded card, as the airline doesn't want to p*** off their frequent flyers. I would therefore recommend using the branded card.
Quoting cjg225 (Reply 3): AMEX SkyMiles card would be a good option if I do prefer one airline but don't get enough to earn status
Yes, as said it would give you some of the perks of status such as free checked bag and higher boarding group.
If you are not particularly loyal to any one airline then I would definitely recommend a non-branded Amex card. The generic American Express Membership Rewards program is very comprehensive. The points can be transferred to an FF program of choice, but (and IMHO this is desirable if you are not loyal) can be cashed in for revenue tickets. I can't remember the actual rate off the top of my head, but lets say that you can redeem 100 points for $1. Therefore you can cash in 50,000 points for a $500 ticket. The HUGE advantage of this is that there are no blackout periods and there is always reward availability so long as there are revenue tickets available, and also because they are technically revenue tickets they still earn award points and MQMs with that airlines FF program.