There’s CitiBank, which has co-branded American Airlines and Hilton cards, as well as the Prestige and ThankYou cards, which earn Thank You Points (its answer to Membership Rewards from AMEX and Ultimate Rewards from Chase, with a number of 1:1 airline transfer partners). The Citi Prestige has a high fee, like the Sapphire Reserve and the AMEX Platinum, but has great perks - especially if you stay at hotels a lot (I don’t). There’s also the no-fee Citi Double Cash card, which offers a great 2% cash back on every purchase, a great all-around card.
Here’s the thing - Citi won’t approve me for a card because I have an account in collection on my credit. I waffle back and forth about paying that collection because I think it’s mostly BS (as collections can sometimes be) but as long as I don’t pay it, I don’t get Citi cards. But I have enough miles banked that it would take me years to spend them, and I still have AMEX and Chase products to apply for, so I’m in no rush. If anything, it makes me smile that once my collection is past and my credit improves, there will be a whole new world of miles and points to keep this gravy train running.
There’s also Barclaycard. I have one of their cards from back in the day when it was a US Airways card, but when American bought US Airways it became an American Airlines Aviator card - different from the Citi American Airlines card. They also have the Jet Blue card, which has a lot of great word-of-mouth; and the Arrival Plus card, which offers “miles” that are only worth 1 cent each … but you get two of them for every dollar you spend. Good deal. These miles are also more flexible, and it has a good sign-up bonus. Barclaycards also have “Chip and Pin” technology, which I hear is useful overseas. Not having a Chip and Pin card hasn’t ruined any of my trips yet, though.
Because of my collection, Barclaycard won’t approve me for a new card anymore either. So I have to wait on that one too.
THE MILES AND POINTS HOBBY
BEGINNER'S GUIDE TO BOOKING AIR TRAVEL LIKE A BANDIT