Cardful

The best airline credit cards

Of the 24 airline cards in the catalogue — miles in one airline's program — Citi AAdvantage MileUp earns the most in a year once its fee is paid: about $471.

Ranked by what each card earns in a year once its annual fee is paid — every rate converted to dollars with a dated point valuation, spending caps honoured, and rotating categories not credited. Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

#CardAnnual feeA year, after the feeA year of rewards on the illustrative household spending described on the method page, minus the annual fee. Your own spending will give a different number.
1
Citi, most from Groceries
none $471
2
Bank of America, most from Groceries
$95 a year $378
3
Citi, most from Restaurants & Bars
$99 a year $363
4
American Express, most from Restaurants & Bars
none $361
5
Chase, most from Groceries
none $343
6
Citi, most from Groceries
$99 a year $332
7
Chase, most from Groceries
$149 a year $299
8
American Express, most from Groceries
$150 a year $283
9
Chase, most from Groceries
$99 a year $275
10
Chase, most from Restaurants & Bars
$149 a year $265
11
Chase, most from Groceries
$229 a year $263
12
Chase, most from Restaurants & Bars
$150 a year $237
13
Chase, most from Restaurants & Bars
$150 a year $222
14
American Express, most from Restaurants & Bars
$150 a year $211
15
Chase, most from Restaurants & Bars
$299 a year $132
16
Bank of America, most from Restaurants & Bars
$395 a year $127
17
American Express, most from Groceries
$350 a year $104
18
Chase, most from Restaurants & Bars
$350 a year $32
19
American Express, most from Groceries
$350 a year −$9
20
Chase, most from Groceries
$695 a year −$219
21
Chase, most from Restaurants & Bars
$695 a year −$305
22
Citi, most from Groceries
$695 a year −$311
23
American Express, most from Groceries
$650 a year −$330
24
American Express, most from Groceries
$650 a year −$332

The best of them for each kind of spending