Airmiles credit cards are a loyalty programme that offer customers points in exchange for spending. They usually allow you to accumulate varying amounts of points for each pound you spend on your card. You can then exchange your gained points for rewards, which may include free flights, hotels, car hire and cinema tickets.

Many providers will usually offer bonus airmiles or destination points if you make a purchase using your card within a certain amount of time after opening the account. Providers may also offer bonus airmiles when you use your card to make purchases on partner sites.

Will an airmiles credit card be right for me?

If you pay your balance in full every month, and therefore never pay any interest on your balance then a airmiles rewards programme could benefit you. The best way to benefit from Airmile reward schemes is to use your credit card for as many transactions and purchases as you can each month. Having a direct debit set up to pay off the balance in full, will help avoid any interest charges. You can even pay things like your mortgage in this way to maximise the amount of points you earn without having to pay any charges.

If you don't pay your balance off in full every month, then an airmiles credit card is probably not a good idea. Dont base your credit card decision on the fact that you will get airmiles. Saving money should be your first priority, and you may find that a low interest rate credit card is more beneficial than airmiles.

What are the negatives?

Airmile and reward credit cards often charge an annual fee, however they also offer great features such as comprehensive travel insurance, special offers on holidays and flights and as well as other travel realted benefits including their air mile or destination point schemes.

You should always bear in mind that airmile credit cards tend to charge higher standard interest rates, however if you normally pay off your credit card balance in full, they can offer great benefits allowing you to travel in comfort whether for business or pleasure.

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