As we all know, air travel can be expensive. There are ways to
earn free air travel, and one of those ways is to use a card for
your day to day purchases which earns free tickets or frequent flyer
miles on many of the major airlines.
There are two basic types of credit cards that do this. The first
is known as an airline mile card. The miles earned can be used for
free tickets on over 250 major airlines. Many of these types of
cards also allow the credit card holder to cash in their points
for other travel rewards such as rental cars and hotel stays.
The second is known as a frequent flyer card. It allows the credit
card holder to earn frequent flyer miles on a specific airline and
its partners.
For people who are responsible with card debt, getting a card to
earn free travel can be a smart idea. For those who are able to
pay off most or all of their credit card bill at the end of the
month, charging day to day purchases such as groceries, clothing,
and gas makes sense.
So the question is, which card is better? An airline mile credit
card or a frequent flyer credit card? The answer lies in the needs
of the traveler.
If you need flexibility, an airline mile credit card may be the
best choice. Since these cards earn points instead of frequent flyer
miles, the rewards are not subject to the same restrictions as frequent
flyer miles. Also, since the points can be used on a variety of
airlines, you aren't boxed in by the schedule and availability of
just one airline.
Some of the airline mile credit cards also allow the credit card
holder to convert their points into frequent flyer miles on specific
airlines. They can then be added to frequent flyer miles that the
credit card holder has accumulated from actual flights and other
sources, allowing the traveler to earn free flights more quickly.
The down side of airline mile credit cards is that the rewards
may not add up as quickly frequent flyer mile credit cards. Many
of them work on a $1 dollar spent = one point system. Since it averages
about 24,000 points to earn one free ticket, it may take some credit
card users a few years to rack up enough points for a free flight.
If you are a frequent traveler on one specific airline, then a
frequent flyer card may be your best choice. Often these cards offer
bonus miles just for opening up the credit card account once you've
made your first purchase. It's not unusual for the bonus to be 15,000
miles or more which can be added to miles earned from actual flights.
Most frequent flyer cards offer one mile for each dollar spent,
but some offer double miles for purchases at specific places. Again,
these miles earned can be added to miles earned from flights.
The downside to a frequent flyer card is the limited choices you
will have when booking travel. There are often black out dates associated
with frequent flyer miles and a limited number of seats available
on flights for those redeeming miles.
Whether you choose an airline mile credit card or frequent flyer
credit card, it's a good idea to research all of the terms and conditions
including all reward conditions, credit card fees, interest rates
and late fees associated with the card before you make your choice.
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