![]() Though it doesn’t offer the Mastercard Travel benefits, it does dual-purpose as a balance transfer card: 0% intro APR on balance transfers for 18 months. The Citi Double Cash card is the turboprop of cash-back cards: It earns an effective 2% cash back on all purchases-1% when purchases are made and another 1% when they’re paid off. Assuming $200 in annual spend with AOPA, $1,000 in annual spend with aviation-related partners, $3,849 on regular gas and another $5,000 annually with FBOs, flight schools and aviation gas, and $22,023 on all other purchases, a cardholder would earn $435.21 in annual cash back.ĪOPA World Mastercard® * vs. The 70th percentile of wage-earning households bring in $107,908 annually and we base spending on that number.įorbes Advisor estimates that the household has $32,072 in expenses that can be reasonably charged to a credit card. Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across various categories. To determine the rewards potential of the AOPA Credit Card we have to consider what an American household might spend on a credit card each year. Cash-back rewards do not count toward credit card payment obligations. Though the rewards program also lists airline tickets, merchandise and fuel discounts as possible rewards, cash back is likely the best and most valuable use of points. ![]() ![]() A minimum redemption amount exists of 2,500 points. Redeeming RewardsĬash back earned with the AOPA World Mastercard can be redeemed as a statement credit. ![]() Points expire three years from the calendar month in which they’re earned. The AOPA World Mastercard automatically earns 4% cash back on select AOPA purchases, 3% cash back on the first $2,500 in quarterly spending at select aviation-related partners like Sporty’s, Jeppesen and Aircraft Spruce, 2% cash back at FBOs, flight schools and on fuel (aviation and auto) and 1% cash back on all other purchases. We won’t call the AOPA Credit Card unairworthy, but we will recommend pilots find plastic that’ll generate a little more cash-back lift and donate whatever portion of that to AOPA instead-we imagine everyone, including our beloved AOPA, will see better performance this way. Though the Mastercard World Travel benefits aren’t awful, similar perks and then some can be found with other, better cards. For the auto gas STCers out there, this probably won’t be too much of an issue. Check statements to determine how any given pump has categorized. Many FBOs and self-serve stations at the flight line instead are categorized as “Transportation Services.” For this reason, a card that rewards an all-around 2% cash back is likely to return more. It may be worth noting that while we wish they would, not all 100LL and JetA pumps will be categorized as fuel, meaning that not all fueling spots will earn the bonus rewards of a card that offers higher cash-back at gas stations or on fuel. That’s what, 100 hours of decently affordable wet rental on a Skyhawk? To earn $320 on an unlimited 2% cash-back card, a cardholder needs to spend only $16,600. We can’t imagine doing it, but even with maxing spend in the 3% category each quarter (perhaps by buying a fancy new headset every few months from Sporty’s or buying all-paper charts from Jeppeson for the whole universe and spending an annual total of $10,000 the maximum cash back return would be $300. But let’s be generous and imagine that would be a total of $20 in cash back from the top-earning category. In reality, we imagine it’d be much less. AOPA Flight Instructor Refresher Courses (online or in person)Įven the most avid AOPA supporter isn’t likely to spend more than maybe an average of $500 in a year on AOPA products.Let’s pull out our E6Bs-err, we mean accounting calculators-and figure out what the rate of climb spend would need to be to do better than a flat 2% cash-back rewards card:Įligible purchases that will earn the 4% cash back on AOPA purchases include: The card doesn’t offer major payload beyond the cash back earning-its additional benefits are mostly limited to the Mastercard World Travel benefits and zero liability and ID theft protections. The card offers 4% cash back on select AOPA purchases, 3% cash back on the first $2,500 in quarterly spending at select aviation-related partners, 2% cash back at FBOs, flight schools and on fuel (aviation and auto) and 1% cash back on all other purchases. The AOPA World Mastercard isn’t a flat spin, but it’s definitely more “power-on stall” than “chandelle” where credit cards for pilots are concerned.
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