To say that one card or a few cards are the most suitable may not be a very right statement. There are so many types of cards today with each of them offering different things. A card that may be ideal for one may not be for another. This therefore means that each individual must find out what type of card is suitable for them.
We would look at the vital things that must not be overlooked as we decide the type of card to get.
A lot of people have entered into credit card agreements without knowing exactly what they are getting into. Plenty of people have gotten into different types of trouble and a lot more would still find themselves in trouble. Find out what you really need to know in order to save your self a whole lot of stress.
REWARDS
If your main reason for getting an airline miles credit card is the reward, then you would want to look carefully to see how long it would take for you to accumulate enough air miles for a reward. If you discover that it would take more time than you anticipated, you may need to rethink your choice or look for a card that can give you a shorter period to get airline miles to get rewards.
Still looking at the point about bonuses. Some people want to get an airline miles credit card to help them towards a major trip they plan to have sometime in the future. Ensure that you note the date of mileage expiration before you decide on which card to use. It would be very heart breaking if the air miles you have accumulated were to expire before the time for the trip. You can get some cards that do not have expiration dates. Check out strictly for this issue.
INTEREST RATES
Interest rate is a very vital point to note. It is true that you would be more concerned about interest rates if you do not pay your entire balance. It is for reasons like this that you need to first ask yourself if you really need this card. The bonuses would not really be worth it if you have to make substantial monthly payments that you cannot really afford. Do not get a credit card if you can not service it conveniently.
As you look for the company to signup with, you may find a company that would give you 0% rate at the beginning for a while. While this is nice, you need to find out what the rate is when the introductory offer is over.
Remember that that the interest rates on an airline mile credit card are higher than that of the other cards. If you previously have an unpaid balance, you should try and get a card that has a low rate.
ANNUAL FEES
Just like the case of the opening 0% rates on some cards, there are cards that would promote that they do not have annual fees but what they do not tell is that the "no annual fees" is for just one year. A lot of these cards have varying annual or membership fees; it all depends on the level of the card. Cards have standard, gold, platinum levels and the higher the card, the more privileges you get with it and the higher the credit limit. The higher the level of your card, the higher the membership or annual fees. If it so be that you find a card that does not have membership or annual fees, do not think that you would enjoy the same advantages as the ones on the more costly cards.
HOW MANY MILES DO YOU NEED FOR REWARD?
Lastly, we would look at the minimum number of air miles you would need to accumulate before qualifying for a free ticket . With the ongoing competition amongst credit card company, the lest air mile requirement for a free ticket has been lowered. You have to be very thorough as you examine these minimum air mile requirement to determine which one would best serve you.
From all we have discussed, it is very clear that the airline miles credit card is not suitable for everyone. Even if you feel it is for you, you would still need to take some time to search for the one that is right for you.
Check out AirlineMilesCreditCards.net to compare the best airline credit cards including Alaska airlines credit card offers. Start earning free flights today.
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