By  Thu Jan 9, 2014

Why US Airways Credit Cards Are Not for Lone Travelers

US Airways Dividend Miles Credit Cards

US Airways may be merging with American Airlines to create the country’s largest airline, but the transition process will be a long one — the two brands continue to operate as separate airlines. It means that consumers can still sign up for US Airways’ credit cards. Those deciding between the airline’s two credit cards should look at how often they travel with companions before picking a card.

US Airways offers two personal credit cards: the US Airways Dividend Miles World MasterCard and the US Airways Dividend Miles Premier World MasterCard.

The interest rates, transaction fees and penalty fees of both cards are the same. So, the cards’ perks make the difference.

US Airways Dividend Miles World MasterCard

The US Airways World MasterCard only carries a $49 annual fee, which is less than the typical annual fee of a bottom-tier airline credit card, usually around $90. Cardmembers earn 1 mile per $1 spent on purchases.

The biggest perk is the annual companion ticket which costs $149 plus taxes and fees. When you purchase a US Airways ticket (minimum of $250 in value) for travel within the contiguous U.S. and Canada, another person can fly with you by using the companion ticket (roundtrip, coach class).

For $198 per year, you’ll get a companion ticket for a traveling partner. The cost can be easily recouped with a roundtrip flight. For instance, a roundtrip ticket between New York City and Los Angeles in June costs around $700.

US Airways Dividend Miles Premier World MasterCard

With an annual fee of $89 the US Airways Premier World MasterCard offers many more benefits. Cardmembers earn 2 miles per $1 spent on US Airways purchases and 1 mile per $1 on everything else. Additionally, cardmembers get first-class check-in, priority boarding and one complimentary US Airways Club day pass per year ($50 value).

Additionally, you can purchase up to two companion tickets per year at a price of $99 each plus taxes and fees.

For $287 per year, you’ll get two companion tickets per year. Again, the cost is pays for itself, plus more, when you fly with companions. The travel privileges and lounge pass only add more value to the card.

Companion travel is the differentiator

The decision of picking between the two cards will be driven by how likely you are to travel with another person. If you believe that you’ll make use of two companion tickets, then the US Airways Premier World MasterCard is the clear winner.

On the other hand, if you tend to fly alone, neither US Airways credit card would be of great value.

Related Stories:

Pick the Right Southwest Airlines Credit Card for You

How to Choose the Right Delta Airlines Credit Card

Simon Says: When It’s Worth Buying Airline Miles

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