Using an Air Miles Credit Card

Air Mile Credit Card Best Buys Air Mile Credit Card FAQ's Have a question? Send in your question and we'll do all we can to help answer it. Where appropriate user questions will be added to the FAQ's for future use.

An air mile credit card can be the perfect wallet filler for anyone who travels regularly for business or pleasure and for all those money-saving holidaymakers out there.

Used well, an air miles credit card can be just the ticket for really knocking the price off your next flight or holiday away.

This guide aims to let you know the best way to really make the most of your air mile credit card and all the things you need to watch out for too!

Make the most of your credit card...

- Spend, spend, spend
The best (and only) way to earn air miles is to use your air mile credit card to pay for purchases.

The more you spend, the more miles you will earn, and the sooner you’ll be on your way to your first free travel reward.

When it comes to maximising your earning potential, you should think about changing your spending habits, rather than trying to spend more.

Switch all your everyday spending like your grocery shopping and petrol to your air miles credit card, and also use the card for any larger items you need to buy too.

- Be diligent with your repayments
With all your extra credit card spending, it's important to remember to budget your income and to be diligent with your credit card repayments.

Miss just one payment and you could be charged enough interest to overrule a few months worth of reward earnings.

- Redeem your miles!
It can be easy to forget to use accrued miles or points, and it’s easy to fall into the trap of just wanting to collect a few more miles before you spend them.

To really make the most out of your air mile credit card you need to be getting yourself some free rewards to enjoy. Even a little money-off your next trip could see you with a little extra spending money to enjoy on your holiday in the sun.

Most air mile schemes will allow you to pay part miles and part cash, so you can redeem the air miles you have collected whenever you like - without the need to wait until you have earned enough miles for a whole reward.

Things to watch out for...

- The interest rate
As with any reward credit card, the golden rule is always to avoid paying any interest.

The interest rates on credit cards will always outweigh the money-saving benefits of any rewards earned.

Always remember to repay your air mile credit card balance in full each month.

- Cash transactions
You won't earn any air miles on cash transactions, and they usually carry handling fees and higher rates of interest.

If you do need to make a cash transaction (ATM withdrawal, cash back or buying foreign currency) it's always best to use your debit card instead.

Compare air mile credit cards