Home > Credit Card Reviews > How Co-Branded Credit Cards Can Help You Save Money

Comments 0 Comments

[DISCLOSURE: Cards from our partners are mentioned below.]

Traveling is fun, and for what it’s worth, most of us would do it all year round if we could. Traveling costs time and money, so there’s a good chance that you have to plan and save for your vacations.

However, with the right kind of co-branded travel credit card, you can plan your dream vacation. Co-branded travel credit cards can help you earn discounts, travel in style, and earn lots of rewards.

What are Co-Branded Credit Cards?

A co-branded credit card is exactly what it sounds like. They are credit cards sponsored by two parties. The main party sponsoring card networks like Mastercard, American Express, Discover and Visa.

The second party is usually a retailer such as an airline, department store, or even a travel company. The idea behind co-branded travel cards is that they bring customers to both parties. Customers also have a chance to get rewards for using that particular credit card. These rewards typically include discounts and frequent flier miles.

These rewards offered by co-branded credit cards can help win over the customer’s loyalty to both brands. As such, it can be extremely beneficial for both the travel company and the credit card network.

Co-branded travel credit cards are particularly useful for travelers since, depending on the card, cardholders usually earn a host of other benefits including discounts, extra miles that can add up to free trips, and free checked bags.

The Advantages of Using Co-Branded Credit Card

As a traveler, you may wonder why you’d want a co-branded travel credit card. If you’re loyal to a particular airline, then you can earn tons of miles with that airline. This can pay off in the long run on future trips. These rewards are a huge advantage, but there are other reasons you might want to consider getting a co-branded travel credit card.

Here are some other advantages that come with having one:

  • They are internationally accepted: Most co-branded travel credit cards are accepted internationally. They usually don’t have foreign transaction fees and can be used in most countries outside the United States.
  • 24/7 assistance: Many major credit card issuers offer 24/7 assistance if you’re traveling abroad. This can include helping you find a doctor or hospital, or helping you with legal and financial emergencies overseas.
  • Access to airport lounges: Many co-branded travel credit cards give you access to airport lounges so that you can travel in comfort. These lounges are usually exclusive and more comfortable than airport terminals during a long layover!

Cardholders also get all the rewards and the perks that come with these cards including extra miles, discounts, and free checked bags. Having one of these credit cards is something of privilege that every international traveler should take advantage of.

Co-Branded Travel Credit Cards for Consideration

There are many co-branded credit cards on the market, which have their own unique set of rewards and benefits. Some of our favorites are the Delta SkyMiles credit cards from American Express.

Blue Delta SkyMiles Credit Card from American Express

Blue Delta SkyMiles® Credit Card from American Express

Apply Now
on American Express's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
17.74%-26.74% Variable

Balance Transfer:
17.74%-26.74% Variable

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Receive a 20% In-Flight Savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.

Card Details +

Many co-branded travel credit cards come with an annual fee. However, the Blue Delta SkyMiles card does not. Cardholders earn two miles per dollar spent at U.S. restaurants and on purchases made directly with Delta. All other eligible purchases earn one mile per dollar. Plus, new cardholders can earn 10,000 bonus miles after spending $500 in purchases in the first three months. The card also offers a 20% in-flight savings in the form of a statement credit on eligible Delta in-flight purchases on food, beverages, and audio headsets.

Gold Delta SkyMiles Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express

Apply Now
on American Express's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
17.74%-26.74% Variable

Balance Transfer:
17.74%-26.74% Variable

Annual Fee:
$0 introductory annual fee for the first year, then $95.

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
  • Want even more flexibility? Pay with Miles is a Card Member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.

Card Details +

Unlike the Blue Delta SkyMiles Credit Card from American Express, the Gold Delta SkyMiles Credit Card has an annual fee (waived the first year). However, credit cards with annual fees usually come with more perks. The Gold Delta SkyMiles Credit Card offers two miles on every dollar spent directly with Delta and one mile per dollar on all other eligible purchases. Other benefits include a free checked bag on Delta flights and Priority Boarding. There is also a welcome offer of 30,000 bonus miles after spending $1,000 on purchases in the first three months as well as a $50 statement credit after your first Delta purchase in the first three months.

There is no doubt that co-branded credit cards come with great perks for travelers who use them. Not only that, but they offer you the chance to save money with your favorite airlines! Remember that when applying for one of these credit cards, you must have good or excellent credit. If you’re thinking about applying for one of these cards, check your credit score today for free. Credit.com offers two credit scores, updated every 14 days, as well as a summary of your credit report so that you know where you stand.

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.



Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team