How To Pick The Best Airline Credit Cards
Below is a MRR and PLR article in category Finance -> subcategory Wealth Building.
How to Choose the Best Airline Credit Card
Summary
Looking to maximize travel benefits with airline credit cards? Several factors matter, such as APR, billing cycles, and credit limits. However, there are three specific considerations you might not have thought of:
- The airlines operating in your area
- How quickly you can redeem your earned miles
- How you use your credit card
Key Considerations
Local Airline Availability
The presence of airlines in your region significantly influences your card choice. If you're near major hubs like Los Angeles or Dallas, you have the flexibility to choose almost any airline. In smaller areas, check which airlines are available and where they fly.
Earning and Redeeming Miles
The speed at which you can use your airline miles depends on how quickly you earn them. Some cards require you to reach a specific number of miles before redeeming them. American Airlines, for example, offers double miles when you purchase flights using their card. A first purchase often earns bonus miles, so make it count.
Beware of expiration terms. For instance, with American Airlines, your miles may never expire if you periodically fly with them or have account activity within three years. Always review the terms and conditions of any card to understand how to maintain your rewards.
Managing Interest and Fees
Carrying a balance on your card incurs interest charges, which can be higher with airline cards. Your credit score will affect the APR, but rewards cards often have slightly higher rates. Ensure that the interest and fees don’t negate the benefits of your miles. Sometimes, a non-rewards card might save you more money in the long run. Monitor your interest payments closely and aim to pay off balances quickly.
Conclusion
There’s no one-size-fits-all airline credit card. By understanding your spending habits and conducting careful research, you can find the card that best suits your needs.
You can find the original non-AI version of this article here: How To Pick The Best Airline Credit Cards.
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