The Ultimate Southwest Rapid Rewards Guide

by Cory Santos
the-ultimate-southwest-rapid-rewards-program-guide

Last updated on April 3rd, 2024

Southwest Airlines is one of the most popular airlines in the United States. The appeal of Southwest is due in part to the airline’s low fares, no cancellation fees, free checked bags, and friendly faces. “Wanna Get Away?” First, make sure you check out our ULTIMATE guide to the Southwest Rapid Rewards Program!

What are Southwest Rapid Rewards?

The Southwest Rapid Rewards program is a loyalty program offered by Southwest Airlines. Members can earn points by booking flights, hotel stays, car rentals, and making purchases with select partners. These points can then be redeemed for flights, hotel stays, gift cards, and more. Members can also earn status in the program, which comes with additional benefits such as priority boarding and bonus points. The program also features a Companion Pass, allowing a designated companion to fly for free (plus taxes and fees) on any flight the member purchases or redeems with points. Additionally, Southwest offers frequent promotions and bonuses for Rapid Rewards members.

Earning Rapid Rewards Points

Earning Points with Flights

The easiest way to earn Southwest Rapid Rewards points is by booking flights with Southwest Airlines. The number of points Rapid Rewards members receive when flying with Southwest depends on the fare they purchase, as well as their current Rapid Rewards tier.

Earning Points Based on Fare

Rapid Rewards members earn the following points when purchasing the following Southwest fares:

Fare Details
Wanna Get Away Wanna Get Away is the basic – and lowest cost – fare Southwest offers. The basic, Wanna Get Away fare earns six Rapid Rewards points for every dollar spent with the carrier.
Wanna Get Away Plus Wanna Get Away Plus is the next tier and earns 8X Rapid Rewards points for every dollar spent with the carrier. This fare offers all the features of the basic fare, plus same day stand-by, same day changes, and transferrable flight credits.
Anytime Anytime is the next tier of Southwest fares and offers increased flexibility compared to Wanna Get Away tickets. Anytime fares allow for refunding of canceled trips for up to 12 months – and earn ten points per dollar spent.
Business Select Business Select is the top fare level for Southwest Airlines. Business Select get priority boarding, priority security where available, and a complimentary drink on board, and 12 Rapid Rewards points per dollar spent.

Earning Points with Southwest Airline Partners

Rapid Rewards members can also earn points when spending money with Southwest Airlines partners, including:

Type Partners
Hotel SPG Rocket Miles
Best Western Choice
Radisson Hyatt
Marriott MGM
Car rental Alamo Avis
Budget Dollar
Nationwide Payless
Thrifty SuperShuttle Executive
Other Rapid Rewards points are also earnable when making purchases through the dedicated Southwest Rapid Rewards shopping portal, where members earn points for making purchases with hundreds of leading brands.
Registering with Southwest lets Rapid Rewards members earn one point for every dollar spent when filling up their tank at Marathon gas stations.
Experiences booked with Southwest Experiences also earn Rapid Rewards points.

Earn with Co-Branded Credit Cards

An easy way to earn additional Rapid Rewards points is through a Southwest Airlines credit card. Issued through Chase Bank, Southwest credit cards offer excellent introductory bonuses. These cards, like the Southwest Rapid Rewards Plus credit card, also provide the opportunity to earn additional points – on top of the points earned through signup offers.

Southwest Personal Cards

Southwest Rapid Rewards currently offers three consumer credit cards through JP Morgan Chase Bank. These cards include:

Rapid Rewards® Plus Rapid Rewards® Premier Rapid Rewards® Priority
Rewards rate Earn 2X pts. on Southwest purchases, 2X pts. on internet, cable, phone services, and select streaming, and 1X on all other purchases Earn 3X pts. on Southwest purchases, 2X pts. on internet, cable, phone services, and select streaming, and 1X on all other purchases Earn 3X pts. on Southwest purchases, 2X pts. on internet, cable, phone services, and select streaming, and 1X on all other purchases
Best perk 2 EarlyBird Check-In per year. 1,500 tier qualifying points towards A-List status for every $10,000 spent 4 Upgraded Boardings per year when available
Annual fee $0 $99 $149

Southwest Business Cards

Chase also issues two small business credit cards from the carrier. These cards offer impressive points, and travel perks businesses will love, including:

Southwest Rapid Rewards® Premier Business Credit Card Southwest® Rapid Rewards® Performance Business Credit Card
Rewards rate Earn 3X points on Southwest purchases; 2X on Rapid Rewards hotel and car rental bookings, local transit and commuting including rideshare, plus social media and search engine advertising, internet, cable, and phone services; and 1X on all other purchases Earn 4X points on Southwest purchases; 3X on Rapid Rewards hotel and car rentals; 2X on local transit and commuting, including rideshare, plus social media and search engine advertising, internet, cable, and phone services; and 1X on all other purchases
Best perk 2 EarlyBird Check-Ins per year Global Entry or TSA Pre✓® application fee credit
Annual fee $99 $199

Do Rapid Rewards Expire?

No! Rapid Rewards points do not expire. Please remember that closing your Rapid Rewards account without spending your points will result in the forfeiture of those points. 

How to Redeem Southwest Rapid Rewards Points

There are several redemption options for Rapid Rewards points:

Flights with Southwest Airlines

The easiest way to use points is through flight bookings directly with Southwest Airlines. To use points for flights, members need to book their flight at Southwest.com and choose to pay with points.

Flights with Southwest Airlines Partners

While Southwest does fly to several locations outside the United States, the geographical limitations of Southwest Airlines’ reach don’t mean you can’t use your Rapid Rewards points to get to your dream destination. Points may also be used for flights with over 50 carriers worldwide, traveling to a broad swath of destinations.

Hotels

Rapid Rewards points are also redeemable towards hotel stays with some of the biggest names in the industry, including Southwest Hotels, Best Western, Radisson, Choice, Hyatt, Marriott, MGM, and SPG. Members must book through the Southwest travel portal to book hotel stays using Rapid Rewards points.

Rental Cars

Points also apply towards rental car bookings made through the travel portal. Southwest rental car partners include Alamo, Avis, Budget, Dollar, Hertz, National, Payless, and Thrifty.

Other Ways to Redeem Points

Southwest points are also redeemable for gift cards or purchases made through the Southwest Rapid Rewards shopping portal.

What Are Rapid Rewards Points Worth?

Here are the latest valuations for leading frequent flyer loyalty programs:

Program Value (cents/point)
Air Canada (Aeroplan) 1.5
American Airlines (AAdvantage) 1.5
Alaska Airlines (Mileage Plan) 1.4
Avianca (LifeMiles) 1.5
British Airways (Avios) 1.3
Delta Air Lines (SkyMiles) 1.2
Frontier (Frontier Miles) 1.2
Hawaiian Airlines (HawaiianMiles) 0.9
JetBlue (TrueBlue) 1.4
KLM/ Air France (Flying Blue) 1.2
Korean Air (SkyPass) 1.6
Lufthansa (Miles & More) 1.5
Southwest (Rapid Rewards) 1.5
Spirit Airlines (Free Spirit) 0.8
United Airlines (MileagePlus) 1.2
Virgin Atlantic (Flying Club) 1.5

Southwest Rapid Rewards Frequent Flyer Status Levels

The Southwest Airlines Rapid Rewards Program currently offers four tiers of membership: Basic, A-List, A-List Preferred, and Companion Pass. Basic is the entry-level tier of Rapid Rewards membership and offers no perks beyond the ability to earn a higher rate of points for purchases. 

Here’s a quick breakdown of the elite tiers in the Rapid Rewards program, along with an explanation:

Southwest Rapid Rewards Tiers


A-List

A-List Preferred

Companion Pass
Requirements 35,000 TQPs or 25 flights. 70,000 TQPs or 50 flights. 135,000 CPQPs or 100 flights.
Mileage bonus 25% 100% –
Free bags 2 2 2
Priority check-in ✔️ ✔️ ✔️
Priority security & boarding ✔️ ✔️ ✔️
Same-day changes Free Free Free
In-flight Wi-Fi – ✔️ ✔️
Companion flies free – – ✔️

A-List

A-List is the next membership tier, offering increased points-earning potential and perks. To reach A-List status, a Rapid Rewards member must earn 35,000 points within a calendar year or make 25 qualifying one-way flights in the same period. Other benefits include:

  • 25% more points when booking flights
  • Priority check-in, boarding, and security (where available)
  • Free same-day standby

A-List Preferred

A-List Preferred is the elite tier of the Southwest Rapid Rewards program, offering the top level of earnings and perks for members.

Achieving A-List Preferred Status

To achieve A-List Preferred status, a Rapid Rewards member must earn 70,000 points within a calendar year or make 50 qualifying one-way flights in the same period.

A-List Preferred Perks

  • 100% more points when booking flights
  • Priority check-in, boarding, and security (where available)
  • Free same-day standby
  • Complimentary in-flight Wi-Fi

Companion Pass

One of the biggest reasons that frequent flyers love the Rapid Rewards program so much is the Southwest Companion Pass. The Companion Pass allows a companion to fly with a traveler for just the cost of taxes and fees.

The Companion Pass is highly coveted and only achievable by making Southwest a regular part of your travel plans. Members must make at least 100 qualifying one-way trips with Southwest in a calendar year to earn a pass – no mean feat. The only other way to obtain this pass is by accumulating 110,000 points. The easiest way to achieve this lofty goal is through the signup bonuses with many of the Southwest Airlines credit cards. 

Current Southwest Credit Cards

Chase issues the following Southwest Airlines small business and consumer credit cards:

Check out more

Travel Rewards Credit Cards

Ten Ways to Stay Protected Against Credit Card Fraud

by Cory Santos
ten-ways-to-stay-protected-against-credit-card-fraud

Last updated on August 24th, 2023

Millions of Americans fall victim to credit card fraud every year. The Interstate Technology & Regulatory Council (IRTC) has tracked over 1,150 data breaches in the U.S. since 2019 alone – with banking, credit, and financial records accounting for 62% of those breaches. Fortunately, there are steps you can take to stay protected against credit card fraud.

10 Best Ways to Avoid Credit Card Fraud

Here are ten of the best ways to stay protected against credit card fraud and theft:

1.    Don’t Keep Credit Cards in Your Wallet

The easiest way to keep yourself safe from credit card fraud is by keeping your credit cards out of your wallet. Mobile wallets – also known as digital wallets – are becoming increasingly popular as more businesses now accept these digital payments.

Adding a credit card to a digital wallet is simple, saves you time when making purchases on the go, and can add an extra layer of security to protect you from data thieves.

2.    Update to a Credit Card with an EMV Chip

EMV chips are also gaining popularity in the United States. These chip and pin devices provide added protection to purchases – both online and in-store. Although an EMV chip isn’t a guarantee of safety vs. an old magnetic strip card, it is an extra layer of safeguarding that can make a real difference.

3.    Check for Skimmer Devices

Credit card skimmers are a real threat to all Americans with credit or debit cards. A skimmer machine is a device that fits over the payment keypad on ATMs, gas pumps, and other locations.

Credit card skimmers are designed to capture your credit card information, including your PIN. Once your information is recorded, the thief has everything they need t access your credit card or bank accounts. The result may be thousands of dollars in damage.

The easy way to spot a credit skimmer is to wiggle the keypad, card slot, or another reader. Skimmers fit over an existing card reader and number pad so that wiggling will alert you to any additional hardware. Also, ensure that the graphics and colors of all parts match up.

4.    Don’t Just Throw Away Credit Card Receipts and Statements

Never toss your old receipts or bank statements into the trash without shredding them first. Your statements and bills reveal a lot of information about your accounts and can help a thief in the credit fraud process. Stay protected against credit card fraud by shredding or burning all unwanted receipts, statements, or bank records.

5.    Opt Out of Paper Statements

Instead of destroying paper statements, why not opt in receiving online statements instead? Getting your credit card statements via email removes the paper trail – and it’s environmentall-friendly. Just make sure you update your email passwords regularly.

6.    Have Strong Passwords

Speaking of passwords, make sure the ones you use for your credit card logins are secure. The best way to keep your card accounts protected is by creating a strong password.

There are several ways to create a robust password. The easiest is by using a password generator. Many mobile phones offer to create a secure password and then save it for you. Google Chrome also provides this feature (if you are signed in to a Google account).

A strong password should be long, with a complex number sequence, and no easily decipherable words.

7.    Destroy Expired Credit Cards

Like credit card statements, always destroy old, expired credit cards. Cut through the card number, your name, the CVV security code, the magnetic stripe, and your signature. Cut the card into small cubes. Pay special attention to the previously mentioned data or anything else that features sensitive information.

8.    Shop Online at Trusted Websites

Only use your credit cards online when shopping at stores and sites you trust. Always check for the website’s SSL Certificate. This certificate will display as a closed lock on Google Chrome, Firefox, and Microsoft Edge. If you have concerns about an online retailer, do your research first – and give your credit card information last.

9.    Don’t Sign Blank Receipts

Some businesses may ask for you to sign a blank receipt before accepting your credit card. This is likely the case with places like bars, for example, for opening a tab. If an employee asks you to sign a blank receipt, refuse. A blank receipt opens you up to potentially fraudulent charges you didn’t make.

10. Update Your Address as Soon as You Move

Moving? Already moved? Either way, make sure you update your address with your credit card issuer ASAP. Updating your contact information ensures your bank sends your information to you – and no one else.

Conclusion

Credit card theft and fraud are a reality Americans must safeguard against daily. Fortunately, there are several simple steps you can take to keep yourself protected from credit card fraud. Keep your sensitive data secure, change your password frequently, and be vigilant to the signs of fraud and data theft. While credit card fraud is scary, common sense is your best tool in the fight against financial crime.

Related Article: 5 Steps to Take Immediately After Credit Card Fraud

Ford Launches FordPass Rewards Visa Card

by Cory Santos
ford-launches-fordpass-rewards-visa-card

Last updated on August 18th, 2023

Ford is launching a new credit card with First National Bank of Omaha (First Bankcard) – the FordPass Rewards Visa. Here’s what you need to know about the new, no annual fee card – and whether it’s worth considering.

FordPass Rewards Visa

Ford Motor Company and First Bankcard are now offering a new co-branded credit card: the FordPass Rewards Visa Card. The card, a Visa Signature product, offers cash back on automotive and travel purchases, a 0% intro APR, and a decent statement credit after meeting minimum spending requirements.

Special Financing on Ford Purchases

Most auto rewards and car credit cards come with select financing options on dealer purchases – and the FordPass Visa is no different. New accounts enjoy a 0% intro APR for six months on Ford Dealership purchases of $499 or more.

Earn Statement Credits After Meeting Spend Requirements

Many rewards credit cards also offer an introductory bonus. Again, the FordPass Visa does just that, granting customers statement credits after reaching initial and annual spending requirements.

  • Earn a $100 statement credit when using the new Ford credit card to make $3,000 in purchases within the first three billing cycles.
  • Earn a $200 statement credit every year after spending $6,000 in 12 consecutive billing cycles after account opening.

As others note, the $200 statement credit for reaching the annual spending threshold is essentially 3.33% cash back – which is a great value. Of course, that spending goal requires considerable use. However, regular servicing and parts, plus spending on bonus categories, make the goal achievable.

How to Earn FordPass Rewards Points

The FordPass Visa is a cash back rewards card, with cash back taking the form of points. Cardholders earn different amounts of points depending on their purchases:

  • 10% back on Ford service and maintenance
  • 5% back on Ford Dealership purchases
  • 3% back on gas, auto insurance, tolls, parking, and dining
  • 1% back on all other purchases

The 10% cash back on Ford Servicing works out as 5% back in points on dealership purchases and 5% back in points with FordPass Rewards.

How to Redeem FordPass Points

Points are redeemable for several options with the FordPass Rewards program. Redemption award options include:

  • New Ford vehicle purchases
  • Ford Dealership services, including tire rotation and replacement, oil changes, regular maintenance, and more
  • Ford parts and accessories

Does the New Ford Card Offer Value?

How does the FordPass Rewards Visa stack up against other cards in its category?

Comparing the Card to Other Auto and Gas Rewards Cards

The 3% back in points earned by the FordPass Visa Card is a decent value for money – especially when compared to other credit cards in the auto rewards space.

The Mopar DrivePlus Mastercard, for example, earns 2% cash back on fuel and travel purchases. The Dodge DrivePlus Mastercard and other FCA DrivePlus cards earn the same 2% back – 1% lower than the FordPass Visa.

The 3% back on gas also makes the FordPass Visa one of the better gas rewards credit cards on the market today, trailing only options like the INFINITI Visa (5% back) and the PenFed Platinum Rewards Visa Signature Card from Pentagon Federal Credit Union (5X points). While the INFINITI Card may offer more rewards on gas purchases, however, the FordPass Rewards Visa has greater appeal and a broader consumer base than Infiniti credit cards, making it a better option.

A Slightly Higher APR

First National Bank of Omaha and Ford advertise a variable purchase APR whose range starts at 15.99% and rises to 26.99%. While this rate is lower than those found with some auto cards, namely the INFINITI Visa and the Nissan Visa Signature, it’s slightly higher than most other auto rewards credit cards.

The list of credit cards with a better interest rate than the FordPass Rewards includes all the DrivePlus credit cards, such as the Mopar DrivePlus, the Ram DrivePlus, the Jeep DrivePlus, and the Chrysler DrivePlus. The APR with the Ford card is also 2% higher than both the Toyota Rewards Visa and the Lexus Pursuits Visa.

Fortunately, the Ford card comes with 0% financing on Ford purchases, which will offset large interest payments on select purchases. Plus, rewards cards aren’t designed for carrying a balance, so responsible usage should offset these higher rates.

Should You Apply for the FordPass Visa Rewards?

Auto rewards cards offer significant value for a select subset of users – namely those who like to save money on maintenance and new vehicle purchases. In this regard, the FordPass Rewards Visa is a good option to consider.

Gas, auto insurance, tolls, and parking are the types of purchases many commuters make every day, so earning cash back rewards for those charges is always welcome. The addition of dining makes the card more versatile, as do the statement credits for annual spending.

Of course, the card only makes sense if you have a Ford vehicle – and use Ford’s dealerships for your regular servicing and maintenance. If that is you, however, this no-annual-fee card is a great choice.

Related Article: How to Extend Kroger Fuel Rewards for An Extra Month

Virgin Atlantic Files for Bankruptcy Protection

by Cory Santos
virgin-atlantic-files-for-bankruptcy-protection

Last updated on January 2nd, 2024

Virgin Atlantic is the latest airline to seek protection from its creditors because of the COVID-19 pandemic. The carrier began the bankruptcy process in New York this week. Here’s what you need to know about the Virgin Atlantic bankruptcy – and what it means for Virgin credit cardholders.

Virgin Atlantic Files for Bankruptcy

Virgin Atlantic filed for Chapter 15 bankruptcy in the southern district court of New York on July 4, 2020. The filing makes Virgin Atlantic the latest carrier to file for bankruptcy protection. Other airlines that recently sought protection due to the economic impact of COVID-19 include LATAM, Avianca, and Aeromexico.

Chapter 15 of the U.S. Bankruptcy Code allows access to U.S. courts for a representative of a corporate bankruptcy proceeding outside the U.S. – in this instance, the United Kingdom.

Despite the foreign majority ownership, Delta Air Lines also holds a minority 49% stake in the carrier. Previously, Delta executives stated that they will not inject cash into the struggling Transatlantic airline, thus necessitating bankruptcy.

What Does This Mean for Virgin Flying Club Members?

The bankruptcy filing is troubling news for Virgin Flying Club members, as well as account holders of the Virgin Atlantic World Elite Mastercard® from Bank of America. Airline bankruptcies often come with a high degree of uncertainty for frequent flier members.

In most recent filings, most notably those of Delta and American Airlines, frequent flyers retained their miles. However, as industry experts point out, in the case of Midway Airlines in 1991, over 700,000 frequent flyers lost all of their loyalty miles.

If Virgin can demonstrate that their Flying Club frequent flyer program is a positive asset, chances are members will retain their miles. The same outcome is also likely if the beleaguered carrier receives a bailout – either from Bank of America or Delta. Again, however, Delta has so far indicated it would not assist Virgin financially.

Related Article: The Ultimate Guide to Delta Air Lines SkyMiles

British Airways Offers Double Avios Promotion

by Cory Santos
earn-double-avios-on-british-airways

The airline industry is still reeling from the global impact of the COVID-19 pandemic. The shocking decline in consumers taking flight has led to many airlines taking proactive steps to try and lure travelers back. British Airways is the latest carrier to do so – offering double Avios on flights through August. Here’s what you need to know.

Earn Double Avios on British Airways Flights

British Airways is sending out an email offer to current Executive Club members. The email announces that current Executive Club members will earn double Avios – the rewards currency of the program – on British Airways flights booked through August 31, 2020.

The email states the following:

“We’ve been reflecting recently about the places we’ve traveled together, the adventures we’ve had and the people we’ve met.

From us to you, we wanted to say thank you for all the good times. And whilst flying looks slightly different right now, we can’t wait for all the new times with you.

To celebrate, we’d like to give you double Avios next time you book with us. All you need to do is register and book by 31 August 2020, and travel by 31 December 2020.”

Global Travel Suffering Badly Due to Coronavirus

According to the International Air Transport Association (IATA), global air travel is likely to suffer until at least 2024. This gloomy prediction by the body representing 290 global carriers is actually a year longer than a previous estimate by IATA.

IATA claims that passenger numbers will rise by approximately 62% next year, with short-haul travel predicted to be the major winner in the immediate future.

How Airlines Are Reacting to the COVID-19 Pandemic

Airlines across the globe are continuing to take proactive measures counteract the adverse effects of the coronavirus pandemic. Recently, Air Canada announced updates to its Aeroplan frequent flyer program. The new changes will extend the shelf-life of Aeroplan miles and introduce new ways to reinstate expired miles.

JetBlue and American Airlines are also reacting. The carriers are rolling out a partnership in the Northeast, including:

  • Seamless connectivity for passengers traveling on JetBlue and American’s complementary routes.
  • Full integration of JetBlue and American Airlines website booking capabilities.
  • An expansion of network capacity JetBlue will also introduce flights to LaGuardia (LGA) and Newark (EWR) airports.
  • Access to 60 new destinations for JetBlue customers.

About Avios

Avios is the official “currency” of the British Airways Executive Club and four other European carriers’ loyalty programs:

  • Aer Lingus
  • Iberia
  • Air Italy
  • Vueling

Rewards program members can earn Avios with flights, hotel stays with partners, or with other Avios partners, and redeem those rewards for flights, hotel stays, and more.

There are currently three airline credit cards that earn Avios, all from Chase Bank:

Related Article: The Ultimate Avios Program Guide

The Ultimate Avios Guide

by Cory Santos
the-ultimate-british-airways-avios-program-guide

Last updated on April 3rd, 2024

The British Airways Executive Club is one of the most popular frequent flyer programs in the world. The Executive Club offers exclusive, members-only deals on flights, hotel bookings, car rentals, and more. Avios is the official “currency” of the program – as well as four other carriers. Read on in this ultimate guide to learn everything you need to know.

What Are Avios?

Avios is the collective name for a group of loyalty programs from several Oneworld partner airlines. The following airline partners make up the loyalty program group:

British Airways Executive Club Iberia Plus Aer Lingus AerClub Qatar Airways Privilege Club

The above team also refers to the points system that makes up each program; they are the shared rewards currency that the above airlines use. Collecting Avios is easy – you’ll earn them from flights, hotels, car hires, retail purchases, and more. Rewards can be redeemed towards flights on any of the above partner airlines, connecting you to hundreds of destinations around the world. And, unlike other programs, there are no elite status tiers to worry about.

How to Earn Avios

Frequent flyers with airlines that are part of the network earn rewards when flying with their preferred carrier or any other partner member of the program. Once you’ve signed up for an airline’s loyalty program, you’re ready to begin collecting Avios with of hundreds of partners on a variety of products and services.

Earning Avios with Flights

Earning points with Avios is dependent on the carrier operating the flight. Rewards are typically earned either for euros spent on flights, miles flown, or flights purchased – or a combination of the three. To ensure that they earn Avios, passengers must check that one of the five Avios members markets the trip. This is verifiable by checking the two-letter airline code before the flight number.

Earning Avios with flights is based on the airline with which you book. The breakdown is as follows:

  • When you book Aer Lingus flights to and from Ireland, and on to North America, you’ll earn at least three Avios for every Euro you spend.
  • When booking flights with British Airways, you’ll earn up to three Avios for every mile you fly on flights to hundreds of destinations worldwide, including places like Hong Kong, Los Angeles, Hawaii, and more.
  • Collect up to 2.5 Avios for every mile flown with Iberia on flights within Europe, to North and South America, Africa, and the Middle East.
  • Explore destinations across Europe, Africa, and the Middle East as you book with Vueling and collect at least three Avios per euro spent.
  • Members who purchase flights with Air Italy will collect at least 125 Avios for every flight booked to and from Italy and Sardinia.

As these rates vary based on the carrier, it is advised that you check with your airline before booking any travel to see if your flight is eligible to earn Avios.

Earning Avios with Partners

Earning rewards is easy; just browse each program’s list of partner brands and choose your favorites from among over 100 different retailers.

Hotels

Members that enjoy hotel stays with spacious rooms, top-quality food, high-speed internet, and other amenities can earn rewards when booking hotels directly through the Avios portal. Members earn 15 Avios for every euro spent when booking a hotel through the portal. You can also earn directly with hotel partners, or when you book a hotel through Expedia.com. Highlights include:

  • Best Western® Hotels & Resorts: Earn 500 miles each time you book via bestwestern.co.uk; additionally, if you’re a Best Western Rewards® member, you can change your existing points into Avios at a rate of 1,000 for every 5,000 Best Western Rewards® points transferred.
  • Meliá Hotel & Resorts: Guests can enjoy stays at over 360 hotels and resorts in more than 40 countries, and you’ll earn rewards with each visit at a rate of three for every euro spent. Additionally, MeliáRewards points are transferable to Avios.
  • com: Collect four points for every Euro spent with hotels.com and choose from over 280,000 hotels in more than 60 countries.
  • Agoda: When booked via the Agoda site, you’ll collect up to 10,000 points per night on over 875,000 hotels, villas, and apartments across the globe.

Car Rentals

  • Avis: Program members can collect three for every euro spent to hire a rental car at any Avis location worldwide.

Other Avios Partners

Customers can also earn rewards with a variety of retail partners; highlights include:

  • Nike: Earn six Avios per U.S. dollar spent at Nike’s U.S. website.
  • Bed Bath & Beyond: Collect four Avios per U.S. dollar spent with Bed Bath & Beyond.
  • Macy’s: Earn seven Avios per U.S. dollar spent on your favorite clothing and gifts from Macy’s.
  • Bloomingdale’s: Collect seven Avios per U.S. dollar spent at Bloomingdale’s.

What Are Avios Worth?

Program Value (cents/point)
Air Canada (Aeroplan) 1.5
American Airlines (AAdvantage) 1.5
Alaska Airlines (Mileage Plan) 1.4
Avianca (LifeMiles) 1.5
British Airways (Avios) 1.3
Delta Air Lines (SkyMiles) 1.2
Frontier (Frontier Miles) 1.2
Hawaiian Airlines (HawaiianMiles) 0.9
JetBlue (TrueBlue) 1.4
KLM/ Air France (Flying Blue) 1.2
Korean Air (SkyPass) 1.6
Lufthansa (Miles & More) 1.5
Southwest (Rapid Rewards) 1.5
Spirit Airlines (Free Spirit) 0.8
United Airlines (MileagePlus) 1.2
Virgin Atlantic (Flying Club) 1.5

Do Avios Expire?

Avios points remain active as long as you collect, spend, buy or share at least one Avios every 36 months — any longer, and your Avios will expire and be removed. There are lots of simple ways to ensure you’ll never lose the Avios you collect, including shopping with partners, buying points, or other applicable methods.

Redeeming Avios

Members may redeem rewards accrued for flight awards, seat upgrades, and even airport lounge access. These also apply to hotel bookings, car hires, and even activities and experiences at your destination.

Redeeming for Air Travel

Members can easily book an award flight on Aer Lingus, British Airways, and Iberia. Go to Avios.com, use their airline search engine, check out the award charts, and select the flight(s) you’d like. Next, sign in to your account, where you’ll see how many Avios you have at your disposal.

If you find yourself short, you do have the option to purchase more so you can redeem them towards your next vacation (or business trip). Keep in mind that points might not cover any additional tax or fees.

Other Ways to Redeem

Using the airline program’s portal, members can redeem rewards towards more than just airfare.

Hotels

Just as Avios members can collect them through booking hotel stays with partners, they can also redeem them towards stays at hotel properties across the world. There are thousands of offers each day, with deals available at over 100,000 hotels and resorts across the globe. From B&Bs to unique boutiques, major chains to full-service resorts, your Avios can be used to book your accommodation no matter your destination.

Car Rentals

Exploring your vacation destination is always more comfortable with a car rental. Avios can be utilized to hire a quality car from international airport car rentals across the globe, so you’ll save money as you get out and explore.

Activities and Experiences

Once you’ve checked into your hotel, it’s time to get out and have a look around. Every destination is unique and offers different experiences. No matter where you are, however, you’ll have the option to redeem rewards towards memorable adventures. Explore your options by logging into your Avios portal.

Current Avios Credit Card Offers

There are plenty of airline rewards credit cards from a wide selection of credit card issuers. Credit cards that allow you to earn Avios, however, are only issued by one bank: Chase.

Chase Bank issues all three credit cards that earn Avios directly:

aer lingus visa signature

Aer Lingus Visa Signature® Card

british airways visa signature

British Airways Visa Signature® Card

iberia visa signature

Iberia Visa Signature® Card

These airline cards are known for their impressive signup bonuses, which currently stand at over 100,000 bonus Avios after meeting minimum spending requirements within the first 90 days from opening an account. The best value lies with the British Airways Visa Signature, which offers Executive Club and tier rewards on British Airways flights. The card also makes it easy to access business class fares with Aer Lingus, Iberia, and other partners.

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Travel Rewards Credit Cards

How to Choose an Airline Rewards Card

by Cory Santos
how-to-choose-an-airline-rewards-credit-card

Last updated on April 26th, 2023

Travel credit cards are a great way to earn rewards for travel and save money on everyday purchases. Airline credit cards are especially great for those who frequently travel – either for work or play – and can help you get a free trip, travel-class upgrade, or even airport lounge access just for using the card! But what are the best airline cards, and how should you choose an airline rewards credit card that suits your needs?

Should You Get an Airline Rewards Credit Card?

First things first – is an airline rewards card the right option for you? Typically, most airline rewards credit cards require either good or excellent credit to qualify. The reason behind this hurdle is that often these types of cards come with great benefits and introductory perks, and credit issuers are wary of simply giving away free money to risky applicants.

If you don’t have excellent credit, however, fear not: there are still rewards cards available. The Discover It Secured Card is one example of a secured credit card that offers travelers who either have bad credit or no credit history at all.

Those seeking an airline card for average credit also have options.  The Free Spirit® Points Mastercard® from First Bank and Trust and Creditshop (the issuer of the Mercury Mastercard) is an example of a credit card offering from a major airline for people with average or subpar credit. The card earns points in Spirit Airline’s Free Spirit loyalty program and even comes with a sign-up bonus of up to 15,000 points.

What to Look for In an Airline Rewards Credit Card

When it comes to airline cards, there are dozens of things that could be considered, depending on the wants and needs of everyone. There are, however, a few critical things for which all travelers should be looking out.

Airline Alliances and Codeshare Agreements

One of the main reasons people get airline rewards credit cards is that they frequently travel with a specific airline and want to get rewarded for their loyalty – and that makes total sense. One of the great things about many airline cards that people often overlook is the ability to earn miles or points with several different carriers. Many of the biggest airlines in the world are members of global alliances.

Delta, for example, is a member of the SkyTeam Alliance, which also includes Air France, KLM, Aeromexico, Korean Air, and others. United Airlines is a Star Alliance member, including Avianca, Lufthansa, Air Canada, and many more, while American Airlines is in the Oneworld Alliance, also featuring heavy hitters like Qantas and British Airways.

Delta features several co-branded credit cards through American Express. These options include versatile rewards cards like the Delta SkyMiles® Gold American Express Card. Several other SkyMiles card options, including business credit cards, can help companies maximize savings – and frequent flyer miles.

Benefits of Codeshare and Frequent Flyer Program Credit Cards

These alliances allow people with co-branded credit cards from one carrier to earn – and redeem – miles with any other carrier in the alliance, which provides excellent value. What, though, if you don’t fly with one of these carriers, but someone like Alaska Airlines or JetBlue? While these carriers may not be a member of a global alliance, they do have “codeshares” with other airlines, which can help you out in a big way.

Alaska, for example, has a codeshare agreement with British Airways (amongst others), which means Alaska Airlines Visa Credit Card earns miles when flying with Alaska or British. It gets even better, as Alaska Airlines’ frequent flyers can rack up serious miles – Alaska is one of the few carriers that earns miles based on miles flown, not the price of a ticket – and use them towards a vacation airfare with British.

Flexibility of Rewards

Rewards flexibility is another key consideration when it comes to airline rewards credit cards. Many airline rewards cards – especially those tied to frequent flyer programs, such as Delta’s SkyMiles – have pretty strict terms of redemption, usually for flights with SkyTeam, seat upgrades, lounge access, or bookings with select hotel partners.

General travel rewards cards, such as the Spark® Miles Select from Capital One® or the Chase Sapphire Reserve® offer much more versatile earning and rewards, which can be spent with greatly reduced restrictions or transferred to loyalty or frequent flyer programs as you please.

Also keep in mind that while rewards may provide versatility, they might not cover your entire award itinerary when redeeming. Many programs, for example, don’t allow members to apply miles towards taxes and fees – meaning these costs should be accounted for before redeeming miles or points.

Perks

Before you apply for a rewards card – regardless of the type – always be sure to check out the benefits and perks cardholders can expect from membership. As a rule, the higher the annual fee, the better the perks.

Cards with annual fees around $495 will usually offer lounge access, either unlimited or for a set number of visits; cards with an annual fee in the $249 to $295 price range will offer some airport lounge access (usually 1 or 2 trips per year). Cards with no annual fee will often provide no lounge access.

The same rationale applies to other perks, such as frequent flyer tiers with airlines or alliance partners. By taking the time to consider what you want out of a credit card, such as lounge access, membership tiers, seat upgrades, etc., you can whittle down the list to find the ideal card for you.

Foreign Transaction Fees

Foreign transaction fees are something many people overlook when looking into a travel rewards credit card, but they shouldn’t. After all, what good is an airline card if you must pay to use it when you are traveling overseas? While many cards come with no foreign transaction fees, some do, meaning it’s vital to at least peek at the “terms & conditions” before hitting the apply button.

Card Acceptance

One final thing you should always consider before applying for an airline rewards credit card – or any credit card for that matter – is whether you can use the card where you plan to travel. Many credit card types, such as Mastercard or Visa, have great acceptance worldwide. In contrast, other cards, such as American Express or Discover, have limited acceptance in different parts of the world.

Find Your Perfect Airline Rewards Credit Card

If you are looking for the best credit cards available today, make sure to check out some of the reviews on BestCards.com. We have a comprehensive collection of all the leading credit cards, including impartial reviews and a detailed run-down of all the key facts and figures you need to make an informed decision.

Related Article: The Ultimate Guide to Airline Credit Cards

Featured photo by Sarah Pflug/Burst

What Info Do You Need To Apply for a Credit Card?

by Cory Santos
what-information-do-you-to-apply-for-a-credit-card

Last updated on August 24th, 2023

Applying for your next credit card can be stressful – especially if you’re new to the process. Wondering what information you’ll need to provide, or if you are even eligible to apply for a credit card? Here’s the information you’ll need handy to apply for a credit card – as well as how to find out if you’re eligible.

Who Can Apply for a Credit Card?

First, who is eligible to get a credit card? There are several requirements an applicant must meet to apply for a credit card in the United States. The most crucial factor needed is that the applicant must be at least 18 years of age.

Applicants between the ages of 18 and 21 must also provide proof of income. The CARD Act of 2009 introduced this requirement, as many card issuers were unscrupulously offering credit cards to college students with no means of repaying the debt they incurred. Those between 18 and 21 without proof of income must list a co-signer on their application.

Other essential requirements include:

  • Proof of citizenship or residency: Many credit card issuers require those applying to be U.S. citizens or resident aliens with a Social Security Number (SSN).
  • Credit score: Many credit card issuers have specific credit score requirements for their credit cards. The easiest way to know what credit score you’ll need to apply is to browse our Credit Needed resource page.

What Information Do You Need for Your Application?

Most credit cards have a set standard for the information you must provide on an application. Common details you’ll need for your application include:

Info Explained
① Full legal name and contact information You'll need your full legal name, contact address, phone number, and e-mail address to apply for pretty much every credit card.
② Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) Most credit card issuers require applicants to have a U.S. Social Security number to apply for a credit card. Since foreign citizens likely lack an SNN, they may receive an Individual Taxpayer Identification Number (ITIN) instead. An ITIN is an ID number the IRS issues to anyone who needs to file income tax returns in the United States but doesn’t qualify for an SSN. Be ready to provide either of these items when applying for a personal credit card.

The following banks accept foreign national applicants with an ITIN number, according to Experian:

  • American Express
  • Bank of America
  • Capital One
  • Chase
  • Citibank
  • OpenSky
  • Wells Fargo

Currently, only two major card issuers don’t allow applicants with an ITIN:

  • Barclays
  • Discover
③ Income You'll need to provide income information when applying for a credit card. Banks like to see that you aren't too stretched financially, and part of this process is by evaluating how much income you have from things like your job, investments, and other sources.
④ Expenses Your monthly expenses are the second part of the puzzle when it comes to gauging your risk as an applicant. Your monthly housing costs (rent, mortgage) current utilities, and other relevant info might be asked when you apply.
⑤ Credit Score The final piece of informational lender needs to judge a credit card application is your credit score. Much of the information in your credit report is supplied by creditors and lenders, and potential lenders will use these details as a point of reference when considering you for a loan or line of credit. Your credit report is prepared and sold to prospective lenders and creditors by three credit reporting agencies – or bureaus, as they’re also known. They are Equifax, Experian, and TransUnion.

Other Information

Some credit card issuers may require additional information, depending on the type of credit card for which you are applying.

If you plan on adding an additional authorized user, for example, your bank may require details about that person. This information includes their:

  • Full name
  • Address
  • Date of birth

If you are applying for a balance transfer credit card, your bank or the card issuer will require information about the balance you plan to transfer over.

It’s worth noting that while balance transfer credit cards are ideal for paying off large, existing credit card balances, the card issuer must approve the transfer. For this reason, cards like the Upgrade Card are preferable, as they offer a line of credit you can transfer to your bank account – allowing you to pay off any card balance – without worrying about bank approval.

Credit Cards That Don’t Require a Credit Check

Once you provide all this information, expect your bank or the card issuer to perform a credit check. A credit check – or hard inquiry – will allow the bank to inspect your credit report to verify the information you provide and ensure your credit profile is a match for the card offer.

Hard inquiries have a small impact on your credit score, though this impact dissipates over a few months. Still, a hard inquiry remains on your credit report for two years (24 months), meaning it may lessen the chances of any future credit card applications. Fortunately, there are credit cards that don’t require a credit check.

There are lots of credit cards on the market for people with bad credit or no credit. One of the more popular options, however, is the OpenSky Secured Visa. Perhaps the best reason to consider adding the OpenSky Visa credit card to your wallet is that it requires no credit check. The application process with the OpenSky Secured Visa is straightforward and takes just a few minutes. Approval is equally quick, making the entire process as painless as possible.

Related Article: How to Choose a Subprime Credit Card

Chase Launching Digital-Only Corporate Credit Cards

by Cory Santos
chase-launching-digital-only-corporate-credit-cards

Last updated on January 29th, 2024

JPMorgan Chase is introducing a new way to issue corporate cards. The bank is now partnering with Marqeta, a Bay Area FinTech company, to launch digital-only credit cards. This announcement may have a significant impact on the future of plastic credit cards. Here’s what you need to know.

Chace Partnering with Fintech Start-Up

JPMorgan Chase is one of the biggest names in the corporate credit card industry. Now, the bank is partnering with FinTech card issuing and payments solution company, Marqueta, to launch digital-only corporate credit cards.

The new technology will have benefits versus traditional plastic credit cards. Chief among these advantages is the ability to instantly use the card through mobile wallets, such as Apple Pay, Google Pay, and other services.

“Getting Cards Into the Hands of Those Who Need Them”

The move towards digital corporate cards was explained to CNBC in an interview with JPMorgan Chase’s Head of Commercial Cards, John Skinner. “This is another way of getting virtual company cards into the hands of those who need them very quickly,” he said in the interview. “We know there’s a need for this product — what Covid (sic) has taught us is that there are more use cases for this than we imagined.”

The Future of Credit Cards?

Immediate access cards aren’t new. Virtual cards have long been popular in the gig economy. They provide instant access to those who may need to pay expenses but can’t get a corporate card.

The move to shift corporate cards to this model, however, is new. It also has interesting implications for future credit cards for all consumers.

Mobile wallets are gaining popularity – especially as more merchants feature point of sale terminals that make contactless payments possible. The coronavirus pandemic is further strengthening the appeal of contactless payments, both from a health and an ease-of-use standpoint.

If the Chase-Marqeta partnership is successful, don’t be surprised to see more issuers experimenting with digital-only credit cards in the future – like the Apple Card from Goldman Sachs. Though it does also have a physical card, it is designed to be used primarily with a digital wallet.

 

Citi Adds Flex Pay Option for Amazon Shoppers

by Cory Santos
citi-adds-flex-pay-option-to-amazon-com

Last updated on January 29th, 2024

The Citi Flex Pay Program is a popular option for current Citi cardholders who want to offset larger purchases over a set period. Now, Citi is extending its Flex Pay Program to include Amazon purchases. Here’s what you need to know about the addition of Citi Flex Pay to Amazon.com.

“Customers Get the Choice”

Citi Flex Pay offers current cardholders the opportunity to finance purchases made over a pre-defined time period. The program is like American Express’ Pay It Plan It service – another popular option for making multiple payments. Now, Citibank is introducing the option for Amazon purchases made within the last 12 months.

Citibank credit cardholders who use an eligible card to make a purchase of $100 or more at Amazon can now select a repayment option of up to 60 months. Even better, this new offer applies to any purchases made with an eligible Citi credit card within the last year at Amazon.com.

Anand Selva, head of Citigroup’s U.S. consumer bank, says the move is all about choice. “Given the current economic environment”, he states about the COVID-19 pandemic in a recent interview, the new move is about letting “consumers get the choice.” According to Selva, the average Flex Pay customer uses the service to finance about $900.

What is Citi Flex Pay?

Citi Flex Pay is a type of loan Citibank offers cardholders. The Flex Pay program – also known as Citi Flex Loan – allows eligible cardholders to “handle life’s expected and unexpected expenses,” as the credit card giant puts it.

Citi Flex Loans offer several advantages versus a typical personal loan:

  • Flex Pay offers a fixed-APR for the duration of the loan
  • No application process, as the loan ties into an existing Citibank credit card account
  • No hard inquiries and no loan origination fees
  • Flexible payment timetables allow users to select their payment amount and terms

To opt into a Citi Flex Loan, an eligible Citi credit cardholder logs into their Citi account and selects the Citi Flex Plan/Flex Loan option. From there, the user can see how much they can borrow and select their terms (based on availability).

As an illustrative example, Citi details a hypothetical $5,000 loan, which the cardholder can select from repayment options of 12, 24, 36, 48, or 60 months. Citi also provides an estimate of the total interest to repay; in this case, up to $106 based on a 60-month repayment option and a fixed APR of 9.99%.

Citi Aims to Win Back Personal Loan Share

According to banking experts, the move by Citi and Amazon is mutually beneficial. Citibank is closely monitoring the estimated $170 billion in loans its current customers have with other banks. The extension of Flex Pay and Flex Loans offers a chance to win back consumers and service the loans themselves.

For Amazon, the additional option to repay large purchases over time helps increase the basket-size each customer accumulates. With additional incentive to purchase more thanks to deferred payments, Amazon hopes for much higher profitability.

 

Experian Boost Adds Netflix to Credit Service

by Cory Santos
experian-boost-adds-netflix-to-credit-service

Last updated on April 21st, 2023

Experian Credit Boost is a unique feature that allows people to raise their credit scores instantly.  Now, Experian is increasing the ways to boost your score by introducing on-time Netflix payments as a factor. Here’s what you need to know about how on-time Netflix payments can raise your FICO Score with Experian Boost.

Netflix Added to Experian Boost

Starting July 27, Experian Boost has added Netflix a reporting option to its popular tool. Consumers who use the streaming service can have their on-time payments counted towards their Experian Boost – instantly raising their FICO Score.

What Is Experian Boost?

What exactly is the Experian credit score boost program? Experian Boost is a free service that allows consumers to instantly improve their FICO Score by adding phone bills, utility bills, and other monthly payments to an Experian account. Other financial products, like Western Union money orders, do not apply. Over four million Americans have already taken advantage of the Boost service, with 13 points being the average credit score jump.

To use Experian Boost, a consumer needs to do the following:

  • Connect any banks accounts they use to pay their monthly bills
  • Choose and verify the positive payment data they want Experian to include
  • Get their instant credit score boost

Using Experian Boost along with other credit repair techniques can be the perfect way to significantly raise your credit score in a matter of months. This process involves opening more credit with a credit card for bad credit, paying off the balance fully, and applying for Experian’s credit score boost program.

Related Article: How to  Raise Your Credit Score By 100 Points Fast

“The Right Time for a Service Like This”

Netflix currently boasts over 73 million subscribers in the U.S. alone, making the addition to Experian Boost a welcome sight for many credit-conscious consumers.

“We know consumers are watching more television, and we also know that many consumers are also cutting cable and moving to streaming services, so it’s the right time for us to look at including a service like this,” Jeff Softley, D2C president at Experian Consumer Services, said in an interview with CNBC.

Other Ways to Raise Your Credit Score

While Experian Boost offers a quick way to raise your credit score, other methods provide more dramatic – and lasting – results.

One of the best ways to significantly raise a credit score is by decreasing credit utilization. Credit utilization – or credit use – accounts for 30% of a person’s FICO Score. Keeping credit use below 10% can have an even bigger impact on a credit score in as little as a month.

Reducing credit utilization is most effective when combined with on-time payments of revolving accounts. Payment history makes up 35% of a FICO Score, making it the most influential component in calculating the number.

Combined with products like Experian Boost, the best option for raising a credit score by as many as 100 points in a month includes:

About Experian

Experian is a multinational consumer credit reporting company. Experian is also one of the three major credit reporting bureaus, which includes Equifax and TransUnion. The company collects and aggregates financial information from over 235 million U.S. consumers and over 25 million U.S. businesses.

Related Article: How to Repair Your Credit from Your Couch

Amex Waives “Pay It Plan It” Fees for Some Users

by Cory Santos
amex-pay-it-plan-it-now-offering-no-fees-to-some-users

Last updated on August 18th, 2023

The “Pay It Plan It” program from American Express is nothing new. The issuer launched the feature on some of its credit cards as far back as 2017. Now, however, Amex is extending the “Plan It” portion of the program by offering an fee-free period on some purchases. Here’s what you need to know:

What Is “Pay It Plan It”?

The “Pay It Plan It” program allows Amex cardholders to split up large purchases over time and pay them back at a fixed, monthly fee – with no interest. According to the program’s landing page, Amex cardholders can select up to ten purchases of $100 or more to combine into a plan. They then repay the plan with a fixed fee charged every month. Even better, they’ll earn rewards on payments just like they would with their regular purchases.

Some Purchases No Have No Fees

While the offer of no fees has come and gone in the past, the news of some users being targeted for no monthly fees is undoubtedly welcome during the COVID-19 pandemic.

While this offer is targeted (meaning it only applies to some customers), those getting the offer can repay their purchases without additional costs. This deal means that users of the “Pay It Plan It” feature receive an interest-free repayment period on purchases – with no extra costs.

Which Purchases Are Eligible?

According to users on popular credit card message board sites, like MyFICO.com and Doctor of Credit, the majority of the interest-free “Pay It Plan It” offers are for travel purchases. Given the restrictions in place on air travel, however, the offer might not seem worthwhile.

With reopening underway in some U.S. states, however, the fee-free offer might tempt some cardholders to escape quarantine confinement and book a weekend trip (with a hotel stay, for example). American Express offers co-branded hotel credit cards with Marriott and Hilton, giving weary travelers plenty of booking options.

Current Amex hotel credit cardholders can get a better idea of what these hotel chains offer, including amenities, locations, and points redemption options, through our comprehensive hotel guides. As with all credit card purchases, however, it’s critical to remember not to spend more than you can afford to pay – even if there is the chance of a fee-free and interest-free grace period.

Related Article:  Read our ULTIMATE Guide to Hotel Rewards Programs and Hotel Credit Cards

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