The best air miles credit card for you

The best air miles credit card for you
If you’re a frequent flier, you need to look into having an air mile credit card. Air miles is a scheme that lets a customer build up sufficient number of points based on the amount he has spent. These points are generally accrued and exchanged for air miles which can then be redeemed against a free flight or even a free holiday!

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But be sharp about the air mile cards in the market as there are many with various offers and rewards. And, always look at a credit card before you fly, as not all air mile credit cards will give you all the information on bonus miles, benefits and interest rates that are of interest to you. Here’s all the relevant information for you to help decide if you really benefit by using an airline credit card.

How to choose an air miles credit card: This can be a very difficult task for a traveler because each person has his or her singular needs and distinct lifestyle, which makes the search for an ideal card very difficult. So, in order to get the best out of the cards available in this segment, take a close look at your frequency of travel and your spending habits. Your parameters of judgment should be based on the following factors:

• Interest rates: Beware, because airline credit cards usually have higher interest rates than those cards that are not accompanied by rewards programs. If you have revolving credit, you should steer clear of these cards. But if you’re a frequent flier, this is ideal for you.
• Your spending habits: Along with your frequency of travel, also check out your spending habits. There are those credit cards that offer air miles points to cardholders equal to the worth of their entire shopping, while others only give points for some purchases. So, see that you align your regular spending habits with the program your airline credit card offers.
• Ideal for bulk shopping: When you travel and decide to shop in bulk to redeem points, these credit cards are ideal for you. But to get the best out of them, use these cards wisely.

• You can amass your air miles and use them for future travel as ticket fare, hotel tariff, or for cruises, restaurants or car rentals. With some, you’re restricted to redeem them only with certain airlines or travel agencies. You can also redeem them against cash.
• You can also get discounts at partner stores.
• When you sign up with a particular provider, you immediately get 10,000 air miles for joining.

• You might overspend and run into debt by buying things you don’t really need.
• People prefer to transfer their account balance to accrue air miles, but perhaps they are unaware of the 3% fee involved for this. Instead, go in for a 0% balance transfer.
• Sometimes, there are hidden charges such as fees, surcharges and extra taxes when you claim a free flight.
• You might not travel enough to amass enough points for a free flight or holiday. And while you wait to do this, you might just run into debt on your credit card.
• You might be at a loss when you find that providers revoke your air miles if you don’t use their airline within a period of 12 months.

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