re: Airline CCs for low spenders

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I think what I liked more about the Delta Gold AMEX was that it included a few passive rewards like the free checked bag and priority boarding. I usually get forced to check my carry on at the gate because I board last and the overhead bins fill up. I also tend to underpack for most trips because I'm too cheap/poor to pay $50 for a checked bag.

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Just keep in mind that you are limiting yourself to Delta flights. So while you can justify the $95 annual fee by checking your bags twice or doing whatever you may also be paying 100-200 more a flight.

At 3 flights a year I really do not think you should be buying an airline specific credit card. You should be thinking what is the cheapest flight for me to get from x to y.

ETA Why not just get a gold amex? Build up rewards points and use the points on ANY airline. This card also has GREAT travel rewards and benefits.