Airline card credit card annual fees, wow $495?

Worth $10m+ no debt owning at least two homes outright. I see the credit card pulled out or debit card when we split bill.

No debt. Retired for 22+ years, although I've had hobbies which compensated me well in recent years.

It would be foolish IMO, NOT to utilize various CC rewards programs. It's essentially free money for the consumer. I don't get a discount if I were to pay cash, (although that used to be the case with some businesses) so I might as well get rewards dollars, Skymiles, etc, for things I'd be buying anyway. CC's get paid in full every month, so we never incur interest on the CC's.
 
If you are a frequent traveler and someone is reimbursing you, those things are a gold-mine... However, I believe the Bonvoy [Marriott] is superior in terms of rewards (Cash back are the worst bang-for-the-buck with airlines somewhere in the middle). Macy's AMEX WAS pretty good pre-Rona ~5% credit towards future purchases, no restrictions + extra sales and discounts.

Big side benefit, these usually give you an instant bump to "Silver Level" or something similar and with that you can do late changes or cancellations without penalty... Those are usually 10-30% add-ons to the cheapest rate. Big perk for some. A person I know travels a LOT; end of the year he is double platinum or something like that and gets 2 weeks al inclusive ~4 star Caribbean resort for his whole family.

Once upon a time, I had the BMW card, it was going to be good for like 20% of my next BMW lease, but stuff happened and the points evaporated :cry:. Same for my Phillies card, I had >60k points, enough for one of those fantasy experience weekends with the team during spring training... This just before the RONA, there was no camps the next 18 months, then the program got cancelled.... Instead I got like a measly $280 back (So pissed about that...)
 
Last edited:
I also saved up a TON of points on the British Airways card saving for Concorde tickets (Even as employees unless you had >20 years you were not getting on the Concorde under $3k. WAY out of my reach). 3-5 years later again stuff happened, Concorde retired, got deployed and "Poof" tens of thousands of points evaporated :mad:.

Lesson learned the hard way: The really focused cards are too high risk to get that thing you're dreaming of. Go for something more vast and flexible like hotel stays or ten cents off per gallon of gas
 
Last edited:
We recently flew DL to Brazil for spring break, it was my first time flying DL international in 20 years. I swore off DL for international flights back then in 2004 after having a particularly negative experience on a DFW-JFK-AMS, AMS-CVG-DFW round trip (don't get me started, multiple issues both getting there and getting back). The price for this trip was so low that it was something we could not ignore, for 3 people less than $1500 r/t AUS-GRU via ATL. So we gave DL a shot again. I was pretty apprehensive.

Wow, completely different experience this time. Really great service and nice people throughout the trip. I was even able to get an exit row throughout for no upcharge ahead of time by contacting Delta a month ahead of time and letting them know I am 6'7" and take blood thinners for past clotting issues. We always flew DL when I was a kid in the 80s and they were the best at that time, or at least we thought so. It seems like they have really found their form again.

I assume some of this is from the ex-NW people being in charge now, I always liked NW back in the 90s/00s for their service and their retro Douglas jets but they weren't always convenient to use due to their route map being not as comprehensive. But anyway.

So anyway, we have some other airline credit cards, but when Delta started bombarding my email with 100,000 mile offers, I was like, well, maybe we should consider it now that DL is off my ish list. We fly to Sao Paulo 1-2x a year, free bags would be a real cost saver, and heck yeah on the miles. But then the sticker shock hit. The first one I looked at had a $495 annual fee. And you had to spend something like $6000 on the card to get the miles. Gosh.

There were some cards with lesser annual fees but they also had lesser perks, seemed like less of a hook to me.

Upon further investigation, AA also has a uprated card like this. We have the regular one with the $95 annual fee but they have another one now with a similar high annual fee. I used to fly AA all the time but since the America West people took over they have reconfigured the cabins for less legroom and it is torture for me. I'm guessing now that UA probably has something like this too and who knows who else, but UA's legroom is also ish now. My thinking is, these high annual fee cards probably only makes sense for someone who is a road warrior and that for us, flying as a family 5-6 times a year, it's better just to pay for the bags. Or fly Southwest when they have a good price, 2 free checked bags.

But IDK, anyone else tried one of these next tier airline cards?
$495 must be business card. I have personal DL Amex card, last I remember $95 annual fee. May want to check on it.
 
Back
Top Bottom