Choosing the 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.






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Airline and Air Miles Credit Cards

Before applying for a credit card, airline, you should ask yourself two questions:
1. What benefits are available from the largest airline in my area?
2. What airline credit card will allow me to reap the greatest benefits quickly?
A credit card sponsored by an airline usually only allows you to collect points to use in this particular airline. This is convenient, efficient and economical for you if that particular airline controls the majority of trips by destination region. On the other hand, bank credit cards sponsored allow you more freedom in the sense that the bonus point win, they usually could be used in a wide range of airlines. If there is no dominant airline in your area, then a credit card bank will be more beneficial to you. Something else to consider is that a credit card bank will often require a smaller number of air miles so you can use them for the trip. However, the use of special attention in reading the fine print in a bank sponsored credit card.
Air miles credit cards can be very beneficial for those who travel frequently for business reasons. With these types of credit card fees that accumulate in the form of points that can be redeemed for airline miles. Simply use your credit card to buy your plane ticket, and all other necessary goods and services, and you'll be able to collect many miles. With airline credit cards you usually get extra points for payment of airline tickets with your credit card. You can use air miles to get future free or discounted travel to the destination of your choice. As an added incentive, credit cards often offer bonus air miles air at selected stores, or on specific travel destinations. Usually, the two airlines and bank sponsored cards give bonus air miles when you sign up with their friends.
Almost every major credit card company offers different levels of air miles credit cards, like standard, gold and platinum. Airline miles and credit cards usually have a membership or annual fee that varies greatly depending on the type of credit card. This means that the better choice and the benefits for you, the higher the fee will be. You can get a high credit limit with gold or platinum credit card, but of course participation and annual fees will be higher and add them quickly.
You can often get 0% introductory offers on credit cards air miles in April. They do that simply because they want your business card. However, interest rates rise quickly after the introductory period, so if interest rates might concern you, an air miles credit card may not be the right option for you, given that interest rates tend to be very high. Many air miles credit cards also have a minimum number of miles that must accumulate before you free or discounted travel. Be sure to read the fine print and make sure you understand all the conditions.
There are some disadvantages to having an air miles credit card. As mentioned earlier, these credit cards usually have much higher rates than standard credit cards, which can add up quickly if you do not pay the entire balance each month. And unfortunately it is always tempting to use air miles credit card for unnecessary purchases to accumulate points to be exchanged for airline miles. As with all credit cards, credit cards air miles to be used responsibly for the cardholder to reap the benefits.








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