The best card depends on the airline you fly most often and the perks you want. If you’re a frequent flyer with one airline, picking their co-branded card can get you benefits like free checked bags and lounge access. If you prefer flexibility, consider a card that offers transferable points.

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Yes, if your airline belongs to an alliance or has partners, you can often redeem miles for flights with those airlines. For example, American Airlines is part of the Oneworld alliance, and Delta belongs to SkyTeam, so their miles are redeemable with partner airlines.

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Airline miles are tied to a specific airline, while transferable points (like Chase Ultimate Rewards or American Express Membership Rewards) can be transferred to several airlines, giving you more flexibility in booking.

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It depends on your travel habits. If you fly with one airline regularly and value perks like free bags and priority boarding, an airline-specific card is a great choice. If you prefer flexibility and want to earn points that you can transfer to multiple airlines, a general travel card might be better for you.

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