Are airline credit cards worth it?
Airline cards can be really worth it – provided you are a frequent enough traveller. You can earn considerable of rewards if you spend a lot of money using such a card, but you have to weigh up whether you’ll use the rewards, and whether the benefits outweigh the fees and the APR.
How do credit card airline miles work?
Airline miles do not equate to actual miles – it’s best to think of them as another type of rewards point. You accumulate these points in an online account by spending money using the card, and once you have enough you can exchange them for free or discounted flights and other benefits when you book.
What types of airline miles are there?
There are three major ‘air alliances’, which are groupings of airline companies that let you share points across the participating brands. These are Star Alliance, SkyTeam and Oneworld.
On top of this, most airlines have their own frequent flier programmes, which are normally separate. If you fly with one company a lot, they will reward you with points you can redeem with them.
Credit card comparison
If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit cards and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.
All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.
Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.
How we work
MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.
- Take control of your credit score by checking and improving it for free with Credit Monitor
- Never overpay again with Energy Monitor, our energy monitoring service
- Over 50 ways to Get Money Calm
So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.
But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?
We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.