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[A360]Air Miles Credit Cards

by Peter Kenny, Pet

These days there are many different credit card types around to choose from, and one group of credit cards are known as rewards based credit cards. There are a number of different rewards that you can choose from within this category, and one of the reward types available is air miles, which can prove invaluable to those that tend to travel abroad a lot whether on business or for pleasure. Travelling by air can be expensive, and every little can help when it comes to cutting costs on air travel. With an air miles credit card you can enjoy earning miles that can save you money on the cost of air travel, which is great whether you are a business or a leisure traveller.

Air miles credit cards are available from a range of providers and as with any other credit card it is important to compare the different cards and providers in order to determine which is going to be the most suitable card for your needs. These cards are best suited to those that pay their credit card balance off in full each month and therefore do not pay interest, as otherwise the amount that you pay in interest will far outweigh the rewards that you receive.

With an air miles credit card you earn miles for every pound that you spend on the card on purchases, so the more you use the card and the more you spend on it the higher the number of miles that you accrue. However, you should bear in mind that no miles are given for cash transactions or withdrawals, and in fact you will be charged high fees and interest charges for such transactions so they are best avoided if possible. The number of air miles awarded per pound spent can vary from one provider to another, and this is why it is important to compare the different deals and try and maximise on the number of air miles that you can earn by spending on the card.

If you do not travel by air regularly then there is little point having an air miles credit card, and you may find that some other type of rewards based credit card is better suited to your needs. If you do not spend on your credit card regularly it may also not be particularly suitable, as it will take far too long to build up the number of miles that you need.

When looking for an air miles credit card you do, of course, have to check to see how many air miles you can earn per pound spent on the credit card. However, there are also other areas that you should look at. For example, you may find that some cards that offer a higher number of miles per pound spent charge a hefty annual fee, and this may be something that you prefer to avoid, so make sure that you look at the bigger picture before you make your decision.

Being a traveler that often uses the airlines as your means of getting around, you want to be able to have a good air miles credit card. Knowing how to select the right credit card means that you can get some excellent savings through it - and some free flights, too. Here are some tips to help you decide which air miles credit card may be right for you.

The first thing that must be considered is what airlines are available to you at the airports you will probably use the most. Be sure to consider both ends of your destinations. If you go with an airlines credit card then this means that you will get the best deals for that card only on that particular airline. That will work well for you if that airline flies out of the destinations you use the most - including the nearest airport to you. Otherwise you will want to go with a bank to get your air miles credit card.

Next, consider the introductory offer on the credit card and see what its features are. Generally you will have anywhere between 3 months up to 15 months for an introductory offer. This will usually give you 0% APR interest on any new purchases, and may or may not give you the same on balance transfers. Many air miles credit cards will charge a fee for balance transfers - if they allow it at all.

Consider the various rewards that the card offers you. See not only how many air miles it gives you up front, but also look at just how many air miles are needed for your first free flight. Also check to see if your air miles have an expiration date. Many of these will expire after a year or so, but on some cards your air miles do not ever expire.

Your purchases could also provide you with some rewards. These vary from one card to another but generally will give you one air mile for each dollar you spend on purchases. Some will give you as much as 2 air miles per dollar spent. The best air miles credit cards allow you to redeem your points for other things, too, like hotels, car rentals, brand name merchandise, and more.

Be sure to look at the interest rate on the air miles credit card, too. This is the rate you will be paying when the introductory offer expires. You want to get as low a rate as possible - unless you always have the habit of paying your air miles credit card and other card bills on time. Note that some of these credit cards may have an annual fee after the first year, and other fees may apply as well. Be sure that you are aware of any other charges that may apply, and also if there is a maximum of points that can be earned in a years time.

Article Source : How To Get Free Credit Cards

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Both Peter Kenny & Joseph Kenny are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Peter Kenny has sinced written about articles on various topics from Credit Cards, Finances and Best Money Market. Peter Kenny has been writing financial articles for 10 years and is a writer for The Thrifty Scot, please visit us at and. Peter Kenny's top article generates over 368000 views. to your Favourites.

Joseph Kenny has sinced written about articles on various topics from Credit Cards, Debt Consolidation and Credit Cards. Joe Kenny writes for the Credit Card Guide, offering views on in the UK, visit them today for some great. Joseph Kenny's top article generates over 550000 views. to your Favourites.