I currently carry two Delta credit cards that earn 2x the points on Delta purchases. I’ll pick up the Citi AAdvantage Platinum card next year since the annual fee is only $95. The Citi card also earn 2x the points on American Airlines purchases. Do you see a pattern yet? Most airline branded credit cards offer 2x the points. So the question is, is there a better card out there that offers more than 2x the points? Yes, but it comes at a cost.

The American Express Premier Rewards Gold Card offers 3x the points on flights purchased directly with airlines! The bad news is the annual fee is higher at $175 a year. If you fly quite a bit, you may want to consider making room in your wallet for this card. At 3x the points you’ll be earning 50% more on airline tickets, but the card doesn’t come with a free checked bag like most airline credit cards do. Typically the annual fee is $89 – $95 for an airline card. If you decide to go with the Amex PRG you’ll be looking at almost double that.

Amex PRG charge card

It is possible to still score 3x the points AND receive a free checked bag! This is going to cost you, but as long as you keep your airline branded credit card open you’ll still receive the benefits, like a free checked bag. For instance, when you carry an American Express Delta credit card, the card is actually linked to your SkyMiles account. When you book a flight with Delta, you don’t have to charge the ticket to your Delta card in order to receive your free checked bag. As long as the card is open and your SkyMiles number is on your ticket, you’ll get the free checked bag. If you book the ticket on the Amex PRG card, you’ll receive 3x the points and still get your free bag! You’re just looking at paying 2 annual fees now. If you fly enough, the fess may be worth it. Who doesn’t like receiving 50% more points?

Other dilemmas.

  • Charging purchases on the Amex PRG won’t waive any MQD spending requirements that some airlines have, like Delta.
  • You won’t get priority boarding, unless you keep your co-branded airline card open.
  • American Express is only partnered with specific airlines. If you’re looking to book a flight with a particular airline, make sure they’re listed here on Amex’s website.

I haven’t decided yet if I’ll get this card. I have been flying Delta quite a bit this year, so it would be nice to earn the extra points. However, I don’t think it’s worth paying $175 a year just to get 3x the points. At this time in my life, I have too many cards open and I would only be charging airline tickets to this card. I don’t feel like spending $175 a year to do that.  I spend a lot on my Delta co-branded cards since Delta requires at least $25,000 a year in spending to waive the MQD requirements.

If I didn’t care about medallion status, free checked bags, and didn’t already have co-branded airline credit cards, then I would jump all over this. Do you have the PRG card or are thinking about getting it? Let me know in the comments below!