Chase, Capital One, Northwest Airlines, Barclay, American Express, I could go on, but I won’t about the credit cards that offer air miles. Almost every credit card company is going to have at least one credit card in their cache that offers air miles. The way the airline miles are going to be offered is where the real difference will lie. So let’s look at a couple of the different card companies and their offers.
Chase is offering a Master Card through the Continental One Pass where you will receive up to 20,000 bonus miles on the credit card just by signing up. Here is how it works; you sign up for the card and transfer your existing balance in the first 30 days of having the card. Depending on the balance you transferred you can earn up to 20,000 bonus miles. The more you transfer the more you will earn of course. The next step in this credit card offering air miles is the purchases. For the purchases you make you get 1 mile per dollar you spend. So if you make a purchase of 20 dollars you have just earned 20 miles. It can take a bit to earn the air miles with Chase if you don’t use the card that often or for big purchases.
Barclay offers the Frontier Airlines credit cards which offer air miles. This card works much in the same way as the Chase card, but they offer 15,000 airline miles for balance transfers. They also allow you to fly with 15,000 miles in the US to the lower 48. You need more to fly international in some cases. For places like Mexico you can use 15,000 miles depending on the deal at the moment. It is also a bit difficult to earn these air miles if you don’t use the card very often. The best way is through large purchases and balance transfers.
Discover has a card for air miles. This company instead of offering bonus miles for a particular airline or for balance transfers offers you cash back rewards on purchases that earn you miles as well as other methods. So the cash back rewards is a voucher you earn and not very helpful for earning miles, but their point program is the best. In the point program you get 1 mile per dollar in a purchase. You can also earn double points for travel expenditures and restaurants. These double points are offered all of the time and this is their specific travel rewards card over the other rewards cards they have.
All of these credit cards offering air miles are going to have no blackout dates. This means you can travel at any time on the airline evening during the Christmas holiday. The other thing you should note is the type of card. Some of the credit cards offering air miles will mean that you are paying an annual fee where as the others we have mentioned above have no annual fee.
The one credit card that gives you different choices is Halifax. They have five cards designed for every need. They allow balance transfers and have a lengthy introductory rate as well. You will have a handling fee of 3% for each balance transfer so this is something to look at. You can expect to get an answer to your application in most instances right away. You can apply online at their secure website. Versatility with so many cards to choose from makes this a popular choice for anyone.
The Halifax Credit Card will give you a fifteen month 0% interest rate on balances that are transferred within the first ninety days. You will also see a 0% interest rate on purchases for the first nine months. After that a variable rate of 13.9% APR will apply. This card has no annual fee and you can get up to 59 days interest free credit on all purchases if you pay off your balance in full each month. This card carries the MasterCard logo and comes in a choice of four colors-Black, Pink, Red and White.
The Halifax Plus Credit Card comes with some of the same features; the handling fee for balance transfers is the same. You have a 0% interest rate until April of 2009 for balance transfers if you transfer within the first ninety days. You’ll get a 0% interest rate for all other purchases made within the first six months. Your variable rate is currently 15.9% APR. No annual fee for all these savings and online fraud protection when purchasing online. Five color choices here- Black, Pink, Red, White and Blue. You must stay within your credit limit and pay on time to keep this introductory rate.
The Halifax One Card has a shorter introductory period of 0% percent on transfers and purchases, but will give you a better variable APR of 9.9%. There again you have to transfer in the first ninety days of opening the card. You will get additional cards if you need them and twenty four hour service. You can set up your payments online and avoid any lat fees this way. The MasterCard logo is accepted at over 24 million locations worldwide.
The Halifax Classic Card is there for you when you need to establish a credit history or repair your credit. There can be circumstances that are beyond anyone’s control which may have caused a problem with your credit and Halifax wants to help you rebuild. Your credit limit will be set according to your current situation. Online help is there for you and will help you stay on top of your finances with free text alerts and weekly balance reminders.
The Halifax Student Credit Card is just what the name implies. You can send off your college student with a credit card that will help teach them to be responsible with their credit obligations. The maximum credit limit is £500 and comes with weekly balance updates and text alerts. Halifax has a card for everyone so research your choices today.
