Best Air Mile Credit Cards

Today it takes a bit more thought to make the most of mileage rewards. You not only need to know how many miles will earn you free travel but if and when your miles expire, if blackout dates apply or if there are any caps that may affect the type or price of the ticket or destination you would like to visit.

Annual Fee versus No Fee Cards

One of the first things to consider is whether there is an annual fee applied to the card. It doesn't make much sense to work toward a travel reward if the annual fee is more than the free or reduced travel. Some cards charge as much as $75 which would mean you have to charge $8,000 annually just to break even with your earned reward miles. If you find that a card with an annual fee will earn the best mile rewards, be sure you never carry a balance as the interest paid will also offset your rewards.

Annual Percentage Interest Rates

Interest rates are extremely important, if you typically carry a balance. In fact, it would be wise to consider whether using this type of card is in your best financial interest. However, if you are able to pay off your balance most months, than be sure to find the lowest APR available and be sure to take advantage of 0% introductory periods. It is essential to do a cost benefit analysis on the various available airline credit cards before selecting one.

Frequent Flier Miles or Airline Miles Credit Cards

The big difference here is whether you're interested in traveling with one specific airline or whether you'd like to shop around for the best rates for your destination. Be sure to examine all the fine print before deciding. Regardless of which type you choose, the points or miles earned typically equal one mile for each dollar spent with some offering double-point opportunities.

Airline Miles Reward cards are issued by most major credit card companies and banks and allow miles to be earned on all purchases made with the card. The biggest advantage is that you can redeem your points for travel on any airline.

Frequent Flyer Credit cards are issued by a specific airline. These cards allow you to earn frequent flyer miles to be used when traveling with their airline. To encourage you to participate, these cards often offer bonus miles just for opening up an account. It's not unusual for the bonus to be 7,500 miles or more which can kick-start your efforts and help you earn that trip much sooner.

Earning Points

The percentage you can earn on your purchases is between 1% and 6% with an average of 3%. At the higher level it is usually an introductory offer which lowers over time. Most mile cards require a minimum of 25,000 points to get a ticket. A few offer a one-way ticket for as little as 14,000 points. Look for opportunities to earn double points and a particularly good value is the bonus that is often attached to introductory offers. Most cards have a cap on the number of points that can be accumulated so be sure you understand the fine print.

Additional Reward Offers

The rewards you can earn with your airline mile points are not as limited as they once were. Some programs offer other travel benefits to use your points. Look for cards that include discount hotel rooms and car rentals and seat upgrades as redemption rewards.








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Types of Air Mile Credit Cards

We all love the idea of air miles credit cards. These credit cards allow us to earn mileage points for every flight that we take. The goal, of course, is to use those miles to get a free flight at some point in the future, allowing customers to effectively take an unplanned vacation. However, the majority of people who have an air miles credit card don't actually ever end up getting this free vacation. That's usually because they don't understand the two different types of miles cards that exist and how one might be better than the other for their flying style.

The first kind of miles credit card is a card that is sponsored by a specific airline. This means that you earn miles every time that you use that card to purchase a flight on that specific airline. This is great for people who are committed to flying on the same airline. It's also great for business travelers who work with companies that always fly to and from the same locations. However, airline-sponsored cards hinder people looking for the lowest-priced deal on available flights that they can take. That's because deals differ by airline at any given time so the one that works on your card may not be the one that's offering the best rate. This means that you have to choose between paying a higher rate now in order to get miles on your card or paying the lower rate but not being able to get mileage points.

To resolve this dilemma, many people turn to bank-sponsored miles cards. These credit cards are designed to offer more flexibility in choosing the airlines that you work with. Instead of being saddled to one airline, you can get the best deals on flights and let the mileage accumulate across different airlines (all on one card). This sounds ideal - and for some people it might be - but consumers should be aware that the benefits of bank-sponsored air miles credit cards are often not as extensive as those cards sponsored by the airlines.

Because there are so many different types of cards to choose from, it can be difficult to make a final decision. The first thing that you need to know is that a decision must be made. It defeats the purpose to have more than one air miles credit card because this spreads out your points in separate places and your rewards come in too slowly and are harder to take advantage of. After making a decision about which card type suits you best, you can start to look at more specific details of individual cards that are offered in each category. Interest rates, fees and the other things that are normally reviewed before completing any credit card application should be taken into consideration when choosing an air miles credit card. The decision can be difficult but it's worth taking the time to make it correctly.






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