The best credit cards to use on low-cost carriers

Dec 1, 2019

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Low-cost carriers generally provide fewer services at a lower cost than legacy airlines like American, Delta and United. But just as select credit cards can help make your experience better when flying in basic economy on legacy airlines, certain credit cards can also make your experience better when flying on low-cost carriers.

In general, there are four types of credit cards to consider when booking travel on a low-cost airline:

Which type of card is best? As you’ll see in this guide, this depends on your specific situation — including the other cards you currently hold. So let’s get started.

In This Post

Cobranded Airline Cards

Each of the six main low-cost airlines in the US offers at least one cobranded card. Here are the details of some of these cards, including current sign-up bonuses, annual fees and benefits. Note that estimated returns described below are based on TPG’s valuations.

Southwest Rapid Rewards Priority Credit Card

Sign-up bonus: 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. You aren’t eligible for this product if you have a current Southwest Rapid Rewards Credit Card or have received a new cardmember bonus for this card in the past 24 months (excluding business card and employee credit card products). TPG values this bonus at $600.

Annual fee: $149

Earning rate: 2x on Southwest purchases (3% return); 1x on everything else (1.5% return)

Benefits: 7,500 bonus points after cardmember anniversary (TPG values at $112); four Upgraded Boardings per year; $75 Southwest annual travel credit; 20% back on inflight drinks and Wi-Fi; ability to earn tier qualifying points toward A-List status by spending on the card; points don’t expire as long as the card account is open; no foreign transaction fees. See the full card review for more details.

Takeaway: If you can use the full annual travel credit and 7,500 points on each anniversary, this card easily provides more value each year than its annual fee. If you’re looking for a cobranded Southwest card with a lower annual fee, there are a few other options including the Southwest Rapid Rewards Plus Credit Card ($69 annual fee) and Southwest Rapid Rewards Premier Credit Card ($99 annual fee).

Related: How to Earn the Southwest Companion Pass This Year

JetBlue Plus Card

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Sign-up bonus: 40,000 bonus points after you spend $1,000 on purchases in the first 90 days and pay the annual fee. This one-time offer is valid for first-time cardmembers with new accounts only. TPG values this bonus at $520.

Annual fee: $99

Earning rate: 6x on JetBlue purchases (7.8% return); 2x at restaurants and grocery stores (2.6% return); 1x on all other purchases (1.3% return)

Benefits: 5,000 bonus points after each account anniversary (TPG values at $65); free first checked bag for you and up to three companions on the same reservation when you use your JetBlue Plus card to purchase the tickets; 50% inflight savings on cocktails and food purchases; 10% award-flight redemption bonus; Mosaic benefits after spending $50,000 or more on purchases each calendar year; annual $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card; no foreign transaction fees. See the full card review for more details.

Takeaway: The strong earning on JetBlue flights and free first checked bag can make this card appealing even if you only fly JetBlue infrequently. JetBlue charges $30 for a checked bag, so if you fly just four one-way trips each year and need to check a bag on each trip, you’d save $120 before even considering the other card benefits. Obviously, the potential savings are even more if you travel frequently or with companions.

Related: Why the JetBlue Plus Card Remains Firmly in My Wallet

Allegiant World Mastercard

courtesy Allegiant
(Photo courtesy of Allegiant)

Sign-up bonus: 15,000 bonus points — equal to $150 off your next Allegiant trip — after you make $1,000 or more in purchases within the first 90 days of account opening.

Annual fee: $59

Earning rate: 3x on Allegiant purchases (3% return); 2x on dining (2% return); 1x on all other purchases (1% return)

Benefits: Priority boarding; one free beverage each time you fly Allegiant; buy-one-get-one-free airfare anytime you use your card to purchase a vacation package from Allegiant with four or more hotel nights or seven or more rental car days on the same itinerary; points don’t expire as long as your card account is open; no foreign transaction fees

Take Away: Since this card doesn’t provide any free baggage allowance, the main benefit for most cardholders will be the buy-one-get-one-free airfare on select vacation packages. It’s certainly possible to get far more than the $59 annual fee in value from this benefit, but only if you actually book eligible vacation packages from Allegiant.

Frontier Airlines World Mastercard

Image by JT Genter
(Photo by JT Genter/The Points Guy)

Sign-up bonus: 40,000 bonus miles after spending $500 on purchases in the first 90 days and paying the annual fee. This offer is available to new cardmembers only. TPG values this bonus at $440.

Annual fee: $79

Earning rate: 5x on purchases at flyfrontier.com (5.5% return); 3x at restaurants (3.3% return); 1x on all other purchases (1.1% return)

Benefits: Spend to elite status by earning 1 Qualifying Mile with every $1 spent on purchases; unlock Family Pooling to share miles; earn a $100 Flight Voucher after every account anniversary if you spend $2,500 or more in the previous cardmember year; keep Frontier miles from expiring by making at least one purchase every six months; waiver of award redemption fee when you book an award ticket and use your Frontier Mastercard to pay the related taxes and fees; Priority Zone 2 boarding for the primary cardmember; no foreign transaction fees. See our card overview for more details.

Takeaway: This card doesn’t automatically provide any baggage benefits, so it is mainly useful for families who want to pool their miles and frequent Frontier travelers who can get value from being able to earn Frontier elite status — including Elite100k Status that provides “the WORKS” bundle for the primary cardmember and up to eight traveling companions on the same reservation — through spending on the card.

Related: Everything You Should Know Before Flying Frontier Airlines

Spirit Airlines World Mastercard

(Photo by Javier Rodriguez / The Points Guy)
(Photo by Javier Rodriguez / The Points Guy)

Sign-up bonus: 15,000 bonus miles after your first purchase plus 15,000 bonus miles after making at least $500 in purchases within 90 days of your account opening. TPG values the full 30,000-mile bonus at $120.

Annual fee: $0 for the first year, then $59

Earning rate: 2x on all purchases (0.8% return)

Benefits: Exclusive access to Spirit’s lowest flight-redemption levels (such as 2,500 miles for off-peak flights under 1,250 miles); 5,000 anniversary bonus miles (TPG values at $20) when you spend at least $10,000 in purchases annually; no foreign transaction fees

Takeaway: This card will not improve your onboard experience and the earning rate is rather abysmal, based on TPG’s valuation of Spirit miles at 0.4 cents each. But as Mommy Points notes: You can earn a one-way flight with just $1,250 of spending and get up to 12 off-peak flights from the sign-up bonus. For travelers who can take advantage of Spirit’s off-peak flights, having this card can make sense — but for most travelers, it will likely be difficult to justify the $59 annual fee.

Related: Everything You Should Know Before Flying Spirit Airlines

Sun Country Airlines Visa Signature Card

(Photo by JT Genter / The Points Guy)
(Photo by JT Genter / The Points Guy)

Sign-up bonus: 35,000 points — worth $350 in travel with Sun Country — when you spend $1,500 or more in the first three billing cycles

Annual fee: $69

Earning rate: 3x on Sun Country purchases (3% return); 2x on gas and groceries (2% return); 1x on everything else (1% return)

Benefits: Priority boarding and one free premium drink per flight; 50% off seat selections and first bag for you and your travel companions when traveling on the same itinerary; 10,000-point anniversary bonus worth $100 when you spend $10,000 or more during each 12-billing-cycle period; points don’t expire as long as your card account is active; no foreign transaction fees

Takeaway: Your first checked bag or a carry-on bag normally costs $30 on Sun Country — although it may be cheaper if you purchase it while booking your ticket — so you can expect to save about $15 per person per one-way flight. If you fly five or more one-way trips per year with Sun Country — or fewer if you travel with family or friends on the same itinerary — then having this card can make sense.

Related Review: Flying Sun Country’s 737-800 From Minneapolis to Newark

Cards That Provide Travel Protections

(Photo by SamuelBrownNG/Getty Images)
Don’t sleep in the airport. Select credit cards will reimburse you for your hotel, meals and other expenses if you’re stranded overnight while in transit. (Photo by SamuelBrownNG/Getty Images)

Low-cost carriers often fly routes only a few days each week, potentially leaving you stranded for a significant amount of time. So, especially if you don’t purchase independent travel insurance to cover your trip, it’s generally a good idea to purchase your flights with a card that offers travel protections such as trip-delay protection and delayed-baggage protection.

In particular, here are my favorite cards with travel protections:

Paying for your airfare — or even just the taxes and fees on an award ticket — with a card that offers travel protections can pay off big-time. My husband and I once got a $1,000 reimbursement after being stranded in Nagoya, Japan for multiple days because of a typhoon.

Cards With High Returns

Low-cost carriers should, theoretically, be low cost. So you probably don’t need to be overly concerned with earning bonus points or miles on your tickets. Instead, you might want to use a card that provides benefits while flying such as a free checked bag or earlier boarding, or a card that provides useful travel protections.

But, if you do want to maximize your credit card earnings on your flight purchase, here are the three cards to consider:

And, here are two cards with annual fees under $100 that feature a solid return on airfare and other travel expenses:

The information for the Citi Premier Card and Prestige Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Cards With Airline Fee Credits

Finally, if you have a card that offers an airline-incidental-fee credit, using this card to pay for incidentals such as baggage fees, seat selection fees and onboard snacks can be a good way to take advantage of the credit. Here are some of the cards that offer this type of credit:

Note that the airline-incidental-fee transaction must be separate from airline ticket charges to be reimbursed. The positive of this is that you can use a card that provides airline benefits, travel protections and/or solid earnings for the airfare and another card for the incidental fees. But the downside of this is that you’ll need to purchase these extras after completing your airfare purchase — which may mean you’ll pay a slightly higher fee for baggage or seat selection than if you’d purchased them at the same time as your airfare.

For the American Express cards with an airline-incidental-fee credit, there’s an additional complication: You’ll need to select the airline on which you wish to use the credit and you’ll only be reimbursed for eligible incidental fees charged by your selected airline. You can make this section online or over the phone soon after getting your card, and then you can change your choice once each year in January.

Bottom Line

There isn’t one best card for flying on low-cost carriers. Instead, the best card depends on how you travel and what you need. This includes what carriers you’re likely to fly, how much flexibility you have in your schedule, how often you travel, whether you usually travel alone or as a group, what other credit cards you currently have and whether you generally purchase independent travel insurance that will cover you if your flight or baggage is delayed.

If you fly low-cost carriers often or need to book routes with tight connections, there is also a service out there — Freebird — that can help protect your travels. Read how Freebird bought a traveler a $1,200 first-class ticket for $19 when her original flight went awry.

Did this guide help you determine what card is best for you on low-cost carriers? If so, tell us what card works best for you!

Featured photo by the author of a Southwest 737-800.

For rates and fees of the Amex Platinum, please click here.
For rates and fees of the Amex Business Platinum, please click here.
For rates and fees of the Hilton Aspire Card, please click here.
For rates and fees of the Amex Gold Card, please click here.

Chase Sapphire Preferred® Card

WELCOME OFFER: 60,000 Points

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Intro APR on Purchases
N/A
Regular APR
17.49% - 24.49% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.