Credit Cards With Airline Miles - Read The T&C First!

Airline sponsored credit cards allow you to focus on only one particular airline because airline sponsored credit cards are not as flexible as bank sponsored credit cards. This can, however, be very convenient if you have one major airline in your region that covers all your frequent destinations. In that case, getting an airline-sponsored credit card can be very convenient for gaining airline miles.

Credit cards that offer airline reward miles are often difficult to compare. It is possible to compare annual percentage rates and fees, but sometimes card features vary so widely, it is hard to compare all the airline mileage cards. If you want to get airline rewards with your credit card, it is your responsibility to research each option carefully. Before considering getting an airline miles credit card, take your travel plans into consideration.

• Mileage Expiration. If you have a credit card in which you can redeem airline miles, make sure to check when the miles expire. If you are planning to redeem your airline miles for a planned trip, make sure that the miles on your card will be redeemable when you need them. Some cards offer no expiration dates on their airline miles while others have time limits of a few years.
  
• Best Interest Rates. Many credit card companies will offer introductory rates that are low or even 0%. These types of credit cards are designed to get more customers to sign up for the cards. Before you get a credit card, look for the interest rate for the credit card after the introductory period has expired. Ideally, you want to have a credit card with low interest rates; however, credit cards with airline miles tend to have higher interest rates.
  
• Annual Fees. There can be several annual fees or membership fees when getting a credit card that offers travel rewards. Generally, the annual or membership fee prices will be higher for more privileges. Also, be very cautious when applying for cards that offer no fees. Often times “no fees”, cards will have the annual fee waived for a short period of time.
  
• Lowest Minimum Miles for a Trip. Some travel rewards cards will have a higher limit for redeeming airline miles. Minimum spending limits can be a few hundred dollars to several thousand dollars in which you have to spend on travel or purchases before you can redeem airline miles on your credit card. Be sure you know your minimum limit for using airline miles. There are credit cards out there that have lower minimum spending limits for redeeming your airline miles.