This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. For more information check out our Advertising Disclosure. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Airline credit cards like the *delta skymiles gold card*,the *united explorer*, and even the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® are a go-to for aspiring travelers. These cards (and most other airline cards) offer real value, with benefits like free checked luggage, priority boarding, and the occasional big welcome bonus offer.

But that doesn't mean those cards should be your go-to far from it. The average traveler shouldn't be swiping one of these co-branded credit cards for each and every purchase.

It seems like a no-brainer, right? Keep earning Delta SkyMiles, United MileagePlus miles, or American Airlines AAdvantage miles, pay off your card immediately, and use those miles to travel more. The thing is, you can do much better.

More often than not, you'll be better served by using a credit card like the *chase sapphire preferred*, the *venture x*, or the *amex gold*for your everyday purchases while keeping your go-to airline credit card at the back of your wallet. Cards like these earn more points on everyday spending with bigger bonus categories for purchases like groceries, restaurants, and even airfare than your typical co-branded airline card. And the points they earn are far more flexible and in the world of travel, flexibility equals value.

Keep reading to see why you need to change up your credit card strategy to travel more for less.

Related Reading: The Best Credit Card Points to Earn This Year to Fuel Your Travels

With an Airline Credit Card, You're Locked Into That Carrier When you focus on spending on just one co-branded airline credit card, you are locked into earning and using the miles through that one airline.

Let's say you've got the *delta skymiles gold card*. Swipe your card at the grocery store and out to eat, and all of your spending will earn Delta SkyMiles.

That can be great until you need to fly a different airline. Or when you find a great deal to book a flight that requires American AAdvantage or United MileagePlus miles. Or when you want to fly a business class seat to Europe or Asia only to find Delta charging 400,000 SkyMiles each way, while others charge a fraction of that rate.

That's when you might realize the miles you've been focused on don't have much value.

By using a credit card that earns flexible points, you keep your options open. Not only can you use your points to fly Delta, for example, but you can also use them to fly on almost any airline, or even use them for hotel stays.

It's one of the main reasons we love Chase Ultimate Rewards points. You can use them to book flights on almost any airline through Chase Travel℠. You even get a bonus when using your points to book travel with your Chase card, where each point is worth up to 1.5 cents.

But that's just one of the many ways to use Chase points and this flexibility is what makes them so valuable.

Read more: Save Your SkyMiles, Book Delta Flights through Virgin Atlantic

Earn More Points, Faster Generally, when you hold a co-branded airline credit card, you will earn 2x miles per dollar spent on that airline and maybe one or two other spending categories like restaurants or groceries.

So if you're not spending a lot of money with that airline, you're probably better off charging your everyday expenses to a different card.

For example, if you hold the *chase sapphire reserve*, you will earn 3x points per dollar spent at restaurants and 3x points per dollar on almost any travel expense think flights, hotels, cruises the list goes on.

The *chase sapphire preferred*earns bonus points on these same categories but only 2x points per dollar on travel and 3x points per dollar spent at restaurants. You can also pair either of these cards with a no-annual-fee Chase Freedom Card to earn even more on your everyday spending.

Or if you hold the *amex gold*, you'll earn 4x points per dollar at restaurants and 4x points per dollar at U.S. supermarkets (up to $25,000 each year then 1x) and 3x points per dollar on flights booked directly with the airline and through Amex Travel. And the *venture x* is a great catch-all card for many expenses, as it earns an unlimited 2x Venture miles no matter what you're purchasing.

All of these card options will provide you with a much better return on your everyday spending than simply swiping your airline credit card.

Let's say you spend $4,000 a year dining out at restaurants charge it your Delta card, and you'd earn 8,000 SkyMiles. But if you instead pay with a (non-Delta) Amex Gold card, you'd earn 16,000 points.

Considering you could turn around and transfer those 16,000 points from the Amex Gold to your Delta SkyMiles account, it's an easy choice.

Read more: The Best Card for Earning Delta SkyMiles is Not a Delta Card?!

Airline Miles Lose Value Quicker One thing is certain in the world of points and miles: They are only getting less valuable.

Over time, airlines and hotels will devalue their points and miles by charging more for the same redemptions. That's why we always encourage people to use their miles rather than hang on to them that's their purpose.

And that's especially true when it comes to miles with one specific airline: They will simply devalue faster. Airlines can jack up rates at a moment's notice with no warning. Within the last year, Emirates,Virgin Atlantic,Alaska Airlines, and countless other airlines have all raised award rates on some of their best redemptions and there's nothing we can do about it.

So while flying from point A to point B used to cost 60,000 miles round trip, an airline can decide to begin charging 75,000 miles overnight. But with flexible points programs like Chase Ultimate Rewards or American Express Membership Rewards, these kinds of devaluations sting less. That's because they offer a stable of airline and hotel transfer partners and a plethora of ways to use the points. So if there is a devaluation in one program, there are still plenty of other ways to use your miles.

Having points in flexible programs is essentially a way to hedge the inevitable devaluations of loyalty programs.

Read more: Our Master Guide to Credit Card Transfer Partners

Flexible Points Programs Offer Transfer Bonuses One of the best things about flexible points programs like American Express Membership Rewards, Capital One Miles, and Chase Ultimate Rewards is that they frequently offer bonus miles when you transfer your points into certain airlines or hotels.

Almost every single month we see the banks roll out big transfer bonuses to one partner or another.

These bonuses are one of the best ways to make your points and miles go even further. Here's an example.

Just last month, Amex offered a 30% transfer bonus to Virgin Atlantic and so did Chase. That meant, for every 1,000 miles you transferred, you would receive 1,300 Virgin Atlantic miles in your Flying Club account thanks to the 30% bonus.

And since can you use Virgin Atlantic miles to fly Japanese-carrier, ANA's new business class suites dubbed The Room to Tokyo from just 52,000 miles one-way, you'd only need to transfer 40,000 points with a bonus. After a recent price hike, longer flights from cities like Chicago-O’Hare (ORD) and New York City (JFK) now cost 60,000 points each way or just over 46,000 points with a bonus.

While that's no small sum of points, it sure beats the over $20,000 cash cost.

These transfer bonuses can offer huge value when it comes time to redeem your points, and it is a big reason why they make credit card points more valuable than the airline-specific miles you earn from a co-branded credit card.

Yes, But Let's be clear: There are still many reasons to hold an airline credit card.

For starters, many airline credit cards offer a free checked bag just for holding the card. In most cases, you don't even need to purchase your flight with that card to get a free bag. With bags now costing at least $35 each way, that benefit alone can justify keeping an airline credit card with an annual fee of around $100.

But free bags aren't the only benefit you get these days.

Delta offers (most) co-branded cardholders a discount on award tickets with its TakeOff 15 benefit. Just for holding a Delta SkyMiles American Express Card, you'll get 15% off award tickets booked through Delta on Delta-operated flights. Other airlines give cardholders a discount on in-flight food purchases, priority boarding, and other travel related credits.

But none of this changes the fact that these airline credit cards are rarely worth continually spending money on. If you're content with just one or two credit cards, you'll get much more value from swiping a card that earns flexible points from the likes of Chase, Capital One, and American Express.

And keep in mind you can still benefit from an airline credit card without continually spending money on it. Your favorite airline credit card is best used by opening it to earn the initial welcome bonus, then throwing it in a drawer.

Bottom Line Airline credit cards certainly have their place. They can provide free checked luggage, shortcuts towards elite status, and large welcome offer bonuses from time to time. But for the average traveler, using a card that earns flexible points will suit you better in the long run.

You'll get a better return on your everyday spending and not lock yourself into using your points and miles with just one airline.