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Airline cards are most worth it in one particular situation. 

Image source: Getty Images

When it comes to credit cards, I’m always looking for ways to maximize the perks and the rewards I can earn. That’s why I’ve historically passed up airline credit cards. They just didn’t seem like the best fit given my spending patterns.

Recently, though, I actually signed up for an airline credit card with an annual fee. There’s a simple reason why I made this decision.

Why I signed up for an airline credit card

This year because my family and I will be making multiple plane trips — and we’ll be flying on the same airline for all of them, so an airline credit card now makes sense.

Traditionally, when I’ve flown back and forth, I’ve shopped around different airlines in order to find the best price on each flight and in order to get the best times for each trip we were taking. But, for a number of personal reasons related to flying with a dog and two kids, we’ve decided that we are only going to fly on one specific airline going forward.

Since we’re going to be loyal to our chosen airline and take numerous trips this year with that carrier, we decided it made a lot of sense to open up the card that the airline offers. In fact, we chose one of the cards offered that had a hefty annual fee.

The card offers us a huge number of perks related to flying on that airline. These cardholder benefits include, among other things, access to lounges in the airports we are flying in and out of, extra miles when we charge flights on the card, discounts on in-flight purchases, and free checked baggage when we fly. So, it’s worth paying the fee because we’re going to get all of these benefits.

Would an airline credit card be a good fit for you?

Airline credit cards come with and without big annual fees, but one thing they generally have in common is that you really benefit the most from them if you fly with the same airline for most or all of the travel you’re doing.

If you tend to follow the approach I did in the past and fly many different airlines based on which offers the best deal for each trip, an airline credit card probably isn’t the best choice for you. In these situations, a general purpose travel card makes a lot more sense since that card can give you rewards for all purchases regardless of who you fly with (and potentially lounge access too, even if you’re flying on different airlines).

But if you tend to fly with the same airline all the time, like I do now, then opting for an airline card could make a lot of sense for you. Just be sure to check the perks, benefits, and fees (if any) to confirm that the card will provide enough value to be worth a place in your wallet.

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The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.Christy Bieber has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

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