Air Miles Credit Cards

Air Miles credit cards are one type of reward credit cards you can obtain. The air miles cards will accrue air miles only. You can use the cards to purchase flights, groceries, pay monthly bills, and much more. Each time you use the credit card you will accrue a few mileage points. Each air miles credit card has a specific amount of miles you must earn before you can get a free flight. Usually there is a domestic and an international mileage amount you need. For example to fly in the UK you may be able to use 15,000 miles, where a flight to the US would take 25,000 miles. It will always depend on the credit card issuer and the airline they have signed up with for the air miles.

American Express for example is paired with Delta. Barclaycard has a few airlines depending on where you live that they pair with. You also have cards that tell you right away who they work with. For instance the British Airways credit card works for flights on British Airways. This part of the credit card is usually straightforward.

The advantage of the air miles credit cards are the air miles that lead to free flights. There can be other advantages associated with the cards. This will again depend on the credit card issuer. Some credit cards have an introductory rate for balance transfers and purchases. A good explanation of this would be an air miles credit card that offers a zero percent interest rate on balance transfers for twelve months with a 3 percent fee. If you make the transfer you may earn 1000 to 15,000 miles. These cards may also give you free periods of interest on purchases. By doing this you can use the card without fear of paying interest, yet still earn points.

Unfortunately all credit cards, even the air miles cards have disadvantages. There are not too many credit cards with annual fees, but a lot of the air miles credit cards do have the annual fee. Secondly it can take more than 5,000 pounds a year to actually earn a free flight. The information on how to earn miles can be confusing for most. However, most credit cards will offer one mile per two pounds spent. As you can see it can take a lot of money to finally earn that free flight, especially if you do not use the card very often.

The usual interest rate, late fees, missed payment fees, and other charges do apply to the air miles credit cards. Before you choose one of these cards keep in mind that it is how you use the card that can make it effective. The disadvantages to the air miles credit cards may seem vast, but if you pay the card off every month you never have to worry about interest. If you use the credit card for your bills and all purchases it is easier to earn miles. The point is, be responsible and these cards work for you.