Just because one of your friends say they have the best airlines reward card doesn't automatically mean it will be the best one for you. In order to find the best available, there are a few things you must to look at before making the decision about which airline miles credit card is the one that will be a great match for you. You will need to not only look at the best rated credit cards and what they have to offer, but also at your spending habits and traveling habits. First look at the APR of the airline miles reward card that you you want to apply for. Most airline reward credit cards have higher interest rates than ones without any type of rewards program.
If you normally carry a balance for your card from a billing cycle to the next, then airline cards may not be the right answer for you. If you still wish to reap the benefits offered by airline cards, then it's best to pick the one with the lowest interest rates. Some airline cards offer you points for every dollar spent while others just give points if you buy at certain stores or make certain purchases. If you only get points for shopping at certain stores and they aren't ones you normally go to, then the card isn't much good to you. The same goes for which airline you normally use.
Some airline cards are only for one airline. If you do not use that airline or hardly ever use it, then you won't be gaining points that you can redeem and use. There are also restrictions placed on airline cards, such as how many points you can get in any 12 month period and quite a few have expiration dates on the points earned. You could be saving up thousands of points and they may expire before you ever get to use them. Now take a look at your entire purchases in a year that you place on your credit card. If you normally only spend $15 thousand dollars with your credit card, but you need to spend 20 to get a complementary journey with your earned points, then the airline card isn't the best one for you, unless you wish to spend thousands more to get the rewards!
There are some companies that have extra incentives such as a free companion ticket, but if you normally travel by yourself then this offer is one you will not need. You will find that an airlines credit card now and again will give you an upgrade if you happen to fly a lot, giving you the luxury of first class, but you may find out that you will receive more points with an airlines credit card that does not give this kind of upgrade.
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