Best Airline Miles Cards
Editor's Picks - Airline Miles Cards:
| Capital One® No Hassle MilesSM Reward |
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| Details |
- Interest Rate - 13.9% variable
- Introductory Purchase APR - 0% until April 2010
- Annual Fee - $0
- Rewards - 2 miles per dollar of spend above $1,000/mo.; 1 mile per dollar spent on all other purchases.
- Reward Redemptions - As low as 10,000 miles.
- Point Expiration - None.
- Limitations on Miles Earned - None.
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| Why we like this Miles Card |
- No Annual Fee - To get the greatest benefit from most miles cards you have to be certain that your level of spending justifies the card's annual fee. However, the Capital One® No Hassle MilesSM Reward card has no annual fee. So, if you are uncertain whether a miles card is right for you, this is an easy and low-cost way to find out.
- The Opportunity for Double Miles - In those months where you use the card often, or make some large purchases, you benefit by earning double points.
- Freedom and Simplicity – The program is not linked to any single airline. You choose the airline, travel dates, and class of service. Book the travel yourself, then simply add two zeros to the price of your travel purchase, and trade in that number of miles to pay for it.
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| What to watch |
- Value for Miles Redeemed - There are other programs where the miles needed for travel are linked to the destination and not the price of the travel. Depending upon the situation, sometimes the destination based programs may require fewer points for your desired flight.
- Travel Reward Activity – In order to qualify for reward redemption remember to use your card when paying for your travel.
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| How to apply |
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| Citi PremierPass® Card – Elite Level |
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| Details |
- Interest Rate - 13.24% variable
- Annual Fee - $75
- Rewards - 2 points for every dollar of everyday purchases; 1 point for all other purchases; 1 point for every mile you fly on any airline; 1 point for every mile flown by anyone else whose ticket you buy with your card.
- Reward Redemptions - As low as 10,000 miles.
- Point Expiration - None, as long as you have qualifying purchase activity at least once every 18 months.
- Limitations on Miles Earned - 200,000 per calendar year is the total points that may be earned, only 100,000 of which may be earned through miles flown.
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| Why we like this Miles Card |
- Reward Earning Power - The points can add up very quickly with this program.
- New Cardholder Bonus Points - You Get 20,000 bonus points after $600 in purchases within 3 months of card issuance.
- Extras – Get Complimentary companion travel when you use the Card to purchase a round trip Coach Class excursion fare ticket for $299 or more in the continental United States and Hawaii. With Citi's Personal Concierge Service, you'll always know the best places to stay and eat, where to shop and how to get around.
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| What to watch |
- Excluded Purchases - Purchases made at warehouse clubs, discount stores, department stores, and convenience stores. Online and catalog purchases are not eligible for ThankYou® Select Spend Points unless the merchants appropriately identify the transactions.
- Travel Booking – You must book your reward travel through the Citi Thank You® Network.
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| How to apply |
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| GoldDelta SkyMiles® Credit Card from American Express® |
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| Details |
- Interest Rate - 13.24% variable
- Annual Fee - Free 1st Year, $95 thereafter
- Rewards - 1 mile per dollar spent on qualifying purchases.
- Reward Redemptions - As low as 10,000 miles.
- Point Expiration - None, if every two years the cardmember: takes a qualifying flight on any Delta service; earns Delta miles through one of its program partners; or redeems miles for any Delta miles award.
- Limitations on Miles Earned - $100,000 of eligible spending annually, not including bonuses. However, one mile for each U.S. dollar of eligible spending on Delta charges will be awarded above this limit.
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| Why we like this Miles Card |
- New Cardholder Incentives - 20,000 bonus miles with your first purchase. No annual fee for the first year. Plus, 5,000 bonus miles when you add two Additional Cards to your account.
Flexible Payment Terms – This American Express card gives you the choice of paying in full, or carrying a balance into the next statement period.
- Available Destinations - Delta has an extensive network flying to 900 cities in the US and around the globe. They have more international destinations than any other US airline. Redeem miles for travel with Delta or over 15 airline partners.
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| What to watch |
- Locale - Programs that are linked to a single air carrier need to have flights near your home town, and to the destination cities where you fly most often.
- Annual Fee – Starting with year two, the annual fee of $95 is higher than many competitor miles cards.
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| How to apply |
- Visit www.americanexpress.com
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