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If you’re a fan of traveling or want to travel more in the upcoming year, you may be considering getting a travel credit card that earns rewards. For some travelers, an airline credit card can be a great option.

But for others, a general travel rewards credit card is ideal. The type of rewards credit card that is best for you depends on your travel preferences and rewards goals. I’ll explain why you may want to choose a travel rewards credit card over an airline credit card.

1. Get rewarded for flying with the airline of your choosing

One of the biggest benefits of choosing a travel card over an airline card is to have more control over which airlines you fly with when traveling. Airline credit cards are specific to one airline. They typically offer bonus rewards on airline-specific purchases made with your card.

Here’s an example: If you have an American Airlines credit card, you may earn more rewards when using your card to book American Airlines flights. However, other airfare or travel purchases will likely earn rewards at a lower rate.

But many of the best travel credit cards reward cardholders for making general travel purchases, including airfare and hotel bookings. Since these aren’t airline-specific cards, you can earn rewards at an elevated rate no matter which airline you choose to fly.

Ready to get rewarded for traveling? Click here to explore our curated list of the top travel rewards credit cards to find your ideal travel card.

2. Greater flexibility with how you use your rewards

Another reason to choose a travel rewards card over an airline credit card is to have more flexibility with how you redeem your rewards. Many travel credit cards allow travelers to redeem their rewards in many ways, so they have greater flexibility.

You may be able to book hotels, car rentals, or airfare through a designated travel portal. With this option, you’re in full control when outlining your travel plans. Some premium travel credit cards allow travelers to transfer their rewards to select travel partners to book award flights or hotel stays. Again, this option provides flexibility.

Meanwhile, airline cards tend to be more restrictive. You’ll likely need to redeem your rewards for airfare with one specific airline to maximize the value of your rewards. Having more control in how you use your rewards is a win, especially if you’re not loyal to one airline or travel brand.

Related: Find out why this Chase card made our top travel credit cards list of 2024.

3. Flight perks aren’t important to you

If you’re a traveler who doesn’t value flight perks, you may want to avoid getting an airline card. Many of these credit cards provide benefits that cater to the pre-flight and in-flight experience. For example, early boarding perks or a free checked bag may come with an airline card.

But if you don’t care about perks like this, it’s likely better to apply for a general travel rewards card. Many of the best travel credit cards offer travel protections like trip delay coverage, lost luggage reimbursement, and annual travel credits.

Depending on your travel style and habits, these perks may be more preferable or prove to be more valuable for you. Always review the card perks provided before applying for a new card. While there are many cards packed with perks, not every perk will appeal to every traveler.

Consider how you travel and your travel goals

As you explore rewards credit cards, consider your current and future travel habits. This can help you settle on the ideal rewards card for you. Understanding how a card earns rewards, the benefits provided, and the redemption options is key.

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