Airlines Credit Cards

Airlines credit cards are specifically made with frequent flyers in mind. Those who own these types of cards not only get to enjoy visiting places; they also receive wonderful rewards in return. The perks offered by an airline credit card are vast and are best enjoyed when you are a frequent traveler.

Types of Airlines Cards

In general, there are two types of airlines credit cards. The first one is an airline-funded card. This type of card will prove to be quite rewarding if you often fly on a single carrier. If your city has an airport or you can easily access the airline’s hub in your region, most routes to certain destinations will be controlled by that airline. In this case, you can truly take advantage of your airline credit card since you will normally fly with it.

The other type of airline credit card is the card issued by the bank. This is useful if you do not have a particular airline in mind. The miles that you earn from this card are applicable for rebates on a variety of airlines, offering you flexibility. There are many advantages offered by this card and, oftentimes, it only requires lower mileage for travel than the airline-sponsored credit cards.

Things to Consider When Planning to Get a Good Airlines Credit Card

If you wish to get an airlines credit card, here are a few things to consider to obtain a pleasing offer:

Affordable Interest Rates – There are certain times of the year when companies will put up an advertisement about 0% interest rates. Bear in mind that these are only introductory rates; therefore, it is essential that you shop for the “real” rate once the offer ends.

• No Expiration Dates for Miles – Some credit cards will let you accumulate high miles as you travel. The catch is that they are only available for a specific period of time. If you plan to save a lot on miles or you will not be flying for a month or so, look for a card with miles that do not expire. The good news is that most airline-supported cards allow the user to hold as many miles as they can and keep them unused without expiration dates.
• No to Low Annual Fees with Reasonable Charges – This travel card is not for everyone, especially with regards to fees. Expect that there are high interest rates and annual fees that you need to pay as the credit limit and privileges become more attractive. To avoid buying more than you can pay for, go for a card that is suitable for your own lifestyle. Read the terms carefully to avoid getting yourself into trouble in the future. In addition, most companies that offer “no annual fees” usually mean that you will not pay for the annual fee for the first year.
• Low Miles for Rebates – Years before, it was impossible to take full advantage of an airline credit card because of the point system that was difficult to earn. However, as time progressed, many companies provided lower minimum miles to get a refund. In addition to that, it has become easier to earn thousands of miles as you travel.

Consider the points mentioned above so you can get the best deal out of an airline credit card.