Before you fill out that next airline miles credit card offer, put some thought into the frequent flier credit card you want to apply for. There are 3 rules you should check down before you take the time to apply.

The first rule may be the most important. It is a rule based on where you live. Flying an airline that has a hub near you makes the most sense. Most airlines that do not have a hub in a major city near where you live usually won’t offer direct flights. Therefore, if you live in Chicago, which is a hub for United, you might want to consider the United Mileage Plus card. Most flights out of Chicago that are flown by United will go directly to the city you want to fly to. A flight on Northwest might fly from Chicago to Minneapolis and then to your destination since Northwest has a hub in Minneapolis.

Here are some of the major airlines and their hubs.

* Delta – Atlanta, Salt Lake City, Cincinnati, & New York (JFK)
* Contintental – Newark, Cleveland & Houston
* Northwest – Minneapolis, Memphis & Detroit
* United – Denver, Chicago (Ohare), Washington (Dulles), Los Angeles & San Francisco
* US Airways – Phoenix, Charlotte & Philadelphia
* American – Dallas, Chicago (Ohare), Miami, & St. Louis
* Jetblue – New York (JFK) & Boston (Logan)

The credit cards that go with the above airlines are as follows

* Delta – American Express Delta Skymiles
* Contintental – Chase Continental World Mastercard
* Northwest – US Bank World Perks Visa
* United – Chase United Mileage Plus
* US Airways – Juniper US Airways World Mastercard
* American – Citibank AmericanAirlines Card
* Jet Blue – American Express Jet Blue Card

The second rule that should be factored in is the flexibility of the credit card. This may or may not be more important than rule number 1 for different reasons. Having a flexible credit card allows you to get points for any airlines of your choice. However, you do not earn as many points towards an individual airlines like you can with a specific airline miles card. For example, if you book a ticket using your United Mileage plus card with United airlines, they might offer you 2x or 3x as many miles. Many flexible airlines cards also claim “no blackout dates,” which is definitely a plus. A popular flexible airlines miles card is the American Express Blue Sky credit card.

The third rule is the annual fee. Many airline miles credit cards have an annual fee ranging from $50-$150 per year (on average). If the annual fee will offset an airlines ticket, then only earning enough points to redeem one ticket a year would not be in your best interests.

If you take into consideration the above listed rules, and compare airline credit cards for the best rates and flexibility, you will find the perfect card to use for your airline travel and get the maximum benefit out of the card.

By Chad Nordaune

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The widespread use of credit card is an indication that people still love to use plastic money for different types of purchases. The option of paying money after few days can be extremely helpful in some situations. But, it is an undeniable fact that you must never overlook the importance of paying off your bills on time otherwise credit card debt will be your fate.

Now, when you will check why many people don’t like using credit cards you will find that it is mainly because of the high interest rate. Looking from a credit card company`s point of view, it is obvious to see them imposing a higher interest rate to give you the facility of paying your dues after a specific amount of time. But, if you are not interested in credit cards only because of the interest rate, you must stop thinking on these lines as there is a better option available for you to consider.

This particular option is about going for low interest rate credit cards. These type of credit cards allow you to enjoy all sorts of benefits without worrying about the interest rate. But, before finalizing your decision about a particular low interest credit card you must make sure that you make an informed decision. This is possible only after conducting some research.

In case you don’t like searching for the best, try exploring the range of credit cards offered by American Express. These credit cards are the best and allow a person to purchase anything without considering the interest rate.

Although all of the American Express cards are good but True Earnings card is the very best. It is so because the benefits associated with this particular card are truly remarkable. The first thing about this particular card is the interest rate. Here, you can enjoy an interest rate as low as 13.24%. The availability of statement credit of $25 for your first purchase is another great feature. Plus, the option of earning cash back on gas inspires many to opt for this particular credit card. In fact, cash back is available on different type of purchases. It doesn’t matter if you are taking lunch in a restaurant or traveling to your favorite place, this card will help you get some discount in form of cash back.

As a whole, it can easily be deduced that opting for a low interest credit card is the right choice for all. Credit cards are not liked by many people only because of exorbitant interest rates but a low interest credit card is now available for you. But, do pay attention to the aforementioned credit card as it is the best amongst the many and you will surely be able to save a lot of money by opting for it.

By Anderson White

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