Airline card credit card annual fees, wow $495?

Joined
Sep 16, 2003
Messages
5,739
Location
SEC Country
We recently flew DL to Brazil for spring break, it was my first time flying DL international in 20 years. I swore off DL for international flights back then in 2004 after having a particularly negative experience on a DFW-JFK-AMS, AMS-CVG-DFW round trip (don't get me started, multiple issues both getting there and getting back). The price for this trip was so low that it was something we could not ignore, for 3 people less than $1500 r/t AUS-GRU via ATL. So we gave DL a shot again. I was pretty apprehensive.

Wow, completely different experience this time. Really great service and nice people throughout the trip. I was even able to get an exit row throughout for no upcharge ahead of time by contacting Delta a month ahead of time and letting them know I am 6'7" and take blood thinners for past clotting issues. We always flew DL when I was a kid in the 80s and they were the best at that time, or at least we thought so. It seems like they have really found their form again.

I assume some of this is from the ex-NW people being in charge now, I always liked NW back in the 90s/00s for their service and their retro Douglas jets but they weren't always convenient to use due to their route map being not as comprehensive. But anyway.

So anyway, we have some other airline credit cards, but when Delta started bombarding my email with 100,000 mile offers, I was like, well, maybe we should consider it now that DL is off my ish list. We fly to Sao Paulo 1-2x a year, free bags would be a real cost saver, and heck yeah on the miles. But then the sticker shock hit. The first one I looked at had a $495 annual fee. And you had to spend something like $6000 on the card to get the miles. Gosh.

There were some cards with lesser annual fees but they also had lesser perks, seemed like less of a hook to me.

Upon further investigation, AA also has a uprated card like this. We have the regular one with the $95 annual fee but they have another one now with a similar high annual fee. I used to fly AA all the time but since the America West people took over they have reconfigured the cabins for less legroom and it is torture for me. I'm guessing now that UA probably has something like this too and who knows who else, but UA's legroom is also ish now. My thinking is, these high annual fee cards probably only makes sense for someone who is a road warrior and that for us, flying as a family 5-6 times a year, it's better just to pay for the bags. Or fly Southwest when they have a good price, 2 free checked bags.

But IDK, anyone else tried one of these next tier airline cards?
 
I thought about it when I was traveling a lot and my company credit card was in my name and I had to pay the bill. Might as well put in on my own credit card and reap the benefits. I pay almost everything via my credit card to get the rewards but I travel a lot less so the higher tier credit card wouldn't be worth it for me.
 
We recently flew DL to Brazil for spring break, it was my first time flying DL international in 20 years. I swore off DL for international flights back then in 2004 after having a particularly negative experience on a DFW-JFK-AMS, AMS-CVG-DFW round trip (don't get me started, multiple issues both getting there and getting back). The price for this trip was so low that it was something we could not ignore, for 3 people less than $1500 r/t AUS-GRU via ATL. So we gave DL a shot again. I was pretty apprehensive.

Wow, completely different experience this time. Really great service and nice people throughout the trip. I was even able to get an exit row throughout for no upcharge ahead of time by contacting Delta a month ahead of time and letting them know I am 6'7" and take blood thinners for past clotting issues. We always flew DL when I was a kid in the 80s and they were the best at that time, or at least we thought so. It seems like they have really found their form again.

I assume some of this is from the ex-NW people being in charge now, I always liked NW back in the 90s/00s for their service and their retro Douglas jets but they weren't always convenient to use due to their route map being not as comprehensive. But anyway.

So anyway, we have some other airline credit cards, but when Delta started bombarding my email with 100,000 mile offers, I was like, well, maybe we should consider it now that DL is off my ish list. We fly to Sao Paulo 1-2x a year, free bags would be a real cost saver, and heck yeah on the miles. But then the sticker shock hit. The first one I looked at had a $495 annual fee. And you had to spend something like $6000 on the card to get the miles. Gosh.

There were some cards with lesser annual fees but they also had lesser perks, seemed like less of a hook to me.

Upon further investigation, AA also has a uprated card like this. We have the regular one with the $95 annual fee but they have another one now with a similar high annual fee. I used to fly AA all the time but since the America West people took over they have reconfigured the cabins for less legroom and it is torture for me. I'm guessing now that UA probably has something like this too and who knows who else, but UA's legroom is also ish now. My thinking is, these high annual fee cards probably only makes sense for someone who is a road warrior and that for us, flying as a family 5-6 times a year, it's better just to pay for the bags. Or fly Southwest when they have a good price, 2 free checked bags.

But IDK, anyone else tried one of these next tier airline cards?
IDK about your experience with DL, but I flew them a lot before moving to CO (United country), and they were and still are my preferred American company. For me of legacy companies, DL, UAL, and then, after several thousands of light years, AA.

Higher tier credit cards were always expensive. But, they are created for people who rack up a lot of miles. Unless you are in an airplane every week, I am not sure it makes sense.
 
One more reason to hate airports and airline travel.

Something I tell my wife all the time is, "The house always wins." Promotions and the like always have a catch, even if it's only psychological conditioning.
Huh? Nobody has to get an airline CC. Which is the point of this thread…




Ive seen the high priced airline cards, and the third party cards like the Chase sapphire preferred. Maybe they’re worth it. I don’t really know. It depends upon how much you fly, and charge, to the card. I can see one being worth it if it really helps you get more status based upon spending habits.


Have you flown AA recently, OP? I barely fit at 6’4 into a lot of the new planes. But the AA seat design and pitch gives me about an inch of room in economy. It’s not as bad as it was, or is on many carriers. I can’t even fit into the seats in Europe, because my knees are hard into the seatback in front of me..
 
The higher priced cards give you lounge access. If you're a frequent flier, it's well worth it. You can grab a bite to eat and a drink before your flight, and if you need to be rebooked or have any questions or issues, the folks working in the lounge are really helpful.
 
Huh? Nobody has to get an airline CC. Which is the point of this thread…




Ive seen the high priced airline cards, and the third party cards like the Chase sapphire preferred. Maybe they’re worth it. I don’t really know. It depends upon how much you fly, and charge, to the card. I can see one being worth it if it really helps you get more status based upon spending habits.


Have you flown AA recently, OP? I barely fit at 6’4 into a lot of the new planes. But the AA seat design and pitch gives me about an inch of room in economy. It’s not as bad as it was, or is on many carriers. I can’t even fit into the seats in Europe, because my knees are hard into the seatback in front of me..
I am 6.2, and flying with them to St. Maarten was by far the worst experience I ever had. I had to sit sideways from DEN to MIA and then to SXM.
 
One more reason to hate airports and airline travel.

Something I tell my wife all the time is, "The house always wins." Promotions and the like always have a catch, even if it's only psychological conditioning.
It sounds to me like you don't like to travel period. The house isn't going to ever win, in our case.
 
Definitely geared towards the very frequent flier or as company card for staff who fly very frequently.
 
IDK about your experience with DL, but I flew them a lot before moving to CO (United country), and they were and still are my preferred American company. For me of legacy companies, DL, UAL, and then, after several thousands of light years, AA.

Higher tier credit cards were always expensive. But, they are created for people who rack up a lot of miles. Unless you are in an airplane every week, I am not sure it makes sense.
Back in the "More Room Throughout Coach" days in the early 00s, I would go out of my way to fly AA. Every seat on the plane was comfortable even for a 6'7" guy like me. Unfortunately AA is a shadow of their former selves from a service perspective. They're my last choice now, also.
 
Sorry, I haven't flown since the other half passed. Occasionally watch Airline Videos on You Tube and that's new lingo to me. YMMV
 
I am 6.2, and flying with them to St. Maarten was by far the worst experience I ever had. I had to sit sideways from DEN to MIA and then to SXM.
You must have had an older seat. I fly enough to be AA gold. So not a lot, but enough. Just did a flight to and from IAH on AA. I could sit straight no issue in a window seat. I was happy. In the past it has been much tighter.

I get it that different folks have different length legs and torsos. But the search have become scalloped in the back, and it makes a big difference.

Worst for me in recent memory has been KLM, including over to AMS, but worse once imwas on the continent, and then also my local flight on BA from LHR to my destination (BA wide body is fine).
 
The higher priced cards give you lounge access. If you're a frequent flier, it's well worth it. You can grab a bite to eat and a drink before your flight, and if you need to be rebooked or have any questions or issues, the folks working in the lounge are really helpful.
Yeah we have lounge access in Sao Paulo through a non-airline affiliation, so an airline lounge is not really that great of a hook for us since we don't fly enough to take advantage of it. And Sao Paulo/GRU is really kind of the one place where lounge access is really useful for us, because traffic is so unpredictable in Sao Paulo, you have to go to the airport super early. That, and the flights that go back to the US usually leave super late, sometimes after midnight, so we want to make it convenient for the in-laws to drop us off at a reasonable hour if we don't have a rental car. Which usually we don't, but this time we did.
 
Yeah we have lounge access in Sao Paulo through a non-airline affiliation, so an airline lounge is not really that great of a hook for us since we don't fly enough to take advantage of it. And Sao Paulo/GRU is really kind of the one place where lounge access is really useful for us, because traffic is so unpredictable in Sao Paulo, you have to go to the airport super early. That, and the flights that go back to the US usually leave super late, sometimes after midnight, so we want to make it convenient for the in-laws to drop us off at a reasonable hour if we don't have a rental car. Which usually we don't, but this time we did.

I love the dining options at that airport. Olive Garden and Friday's lol
 
I love the dining options at that airport. Olive Garden and Friday's lol
There is a Churrascaria in T3 where the Olive Garden is. Just speaking for me and only for me, I would never go to an American chain restaurant in Brazil. Especially in Sao Paulo, there is amazing Brazilian food everywhere.
 
Of note, currently the only profitable area of American Airlines is their credit card. AA is losing money on flying passengers/ cargo, etc. AA is not able to compete with DL or UA at this time.

Not so long ago GM and Ford also lost money manufacturing vehicles, but their finance arms were their strong profit centers.
 
I'm not reading all that just know that there are 3-4 tiers of CC for everything including miles that go from
Annual fees of Free, 99, 295, 495.

IF you dont want a 500$ fee card get a different one.. not that hard.
just look at what you get.. and make a decision.. a free annual fee card with a signup bonus is always a winner.. if you find yourself using it enough that it would be worthwhile consider the next tier up.
And always pay it off monthly.
 
The way I understand it is, the credit card companies have to make their money somehow. Either they take a fraction of the fees they took from merchants, charge you annual fee, higher interest, or a combination of the them.

The high annual fee card usually has way higher reward than the lower fee or no fee card. It may not be for you, it may be if you use it a lot. Only you can tell how much would you use and get back.
 
Back
Top Bottom