In fact, airline co-branded cards are more suitable for mid-to-high-end business customers who are “flying people in the sky”. If you don’t fly often, it can be said to be more difficult to get a free ticket or an upgrade based on daily consumption.

According to Air China (601111, stock bar) mileage calculation, the one-way ticket from Beijing to Shenzhen is about 18,000 kilometers. If you use ordinary credit cards to spend 18 yuan per kilometer, you need to swipe the card to spend 324,000 yuan. Even taking the CITIC American Express Gold Card as an example, every one yuan spent on three kilometers costs 150,000 yuan. In addition, most airlines have regulations that air tickets with a discount of less than 40% cannot be redeemed for miles. In addition, points will be cleared after a certain period of time. Therefore, it is even more difficult to collect enough points to redeem air tickets.

And for business people who often travel between places, you can choose to apply for a co-branded card that suits you to avoid having your points dispersed by different credit cards. Of course, "flying people" may also wish to directly apply for an airline membership card, accumulate miles when flying, and also enjoy free air tickets or upgrade services