Airline Credit Cards browsing by tag


Use Less Miles And Fly More Often.

Monday, November 24th, 2008

NWA a330 at DTW

It can be quite disheartening to apply and qualify for an airline credit card only to discover later that it takes an eternity to actually accumulate enough miles to purchase a ticket. What point is there in endeavoring to use one card for all your purchases just so you can get a free airline ticket when it takes years to do so? Really, there is no point to that which is why the WorldPerks Visa Signature Card is a tremendous opportunity for someone is looking to garner free airfare.

The best feature of this card is that you can redeem award airfare tickets for as little as 19,000 miles. That is really quite low considering that you can receive 20,000 bonus miles just for qualifying and receiving this credit card. You get a free ticket right off the bat! However there are a plethora of other benefits that come with this credit care. You receive double miles for purchases direct from Northwest Airlines and there is no cap on the miles you can earn. You can also redeem only 10,000 miles up to six times a year for a $100 discount on a Northwest Airlines ticket.

Another excellent benefit which is free with this card but costs non cardholders $135 a year is membership in the Hideaways Aficionado Club. This membership allows you to enjoy VIP perks at many different hotels, resorts and cruises all for absolutely no cost. And when you are vacationing you know that you’ll need to rent a car. Use this credit card to secure your car rental and get a free day on any 3-day weekend rental from National Care Rental. The WorldPerks Visa Signature Card truly rewards its owner with a bounty of benefits.

WorldPerks Visa - Earn Up to 20,000 Bonus Miles

Photo Credits: Tvol

Sir Richard Branson, of Virgin fame, brings his credit card to the U.S.

Tuesday, October 7th, 2008

Sir Richard Branson is the 245th richest person according to Forbes’ 2008 list of billionaires as he has an estimated net worth of approximately $2.8 billion USD, and a very smart guy.
Richard has a keen business acumen, he looks at marketplaces where other companies are not doing a good job (according to him), and then he enters those markets with innovative products that are simpler, and deliver better services to the consumer at a lower cost.
Sounds like a simple formula, but surprisingly enough he’s often considered a pioneer in what he does.
I guess common sense is no longer common.
Now he is putting his Virgin signature on a new credit card offering entering the United States market:    The Absurdly Simple Virgin America Visa Signature Card.
Among the rewards offered we find:

  • Get a free one-way flight the first time you use your card
  • No restrictions when you redeem your points.
  • No annual fee.
  • Earn 3,500 bonus points with your first purchase, that includes 1,000 bonus points for pre-registration.

As usual consult the official web site, and read all the fine prints before applying.
Sponsored by:

Peter Bain Forex Trading Video Course

Photo Credits: bortescristian (cc)

If You Travel To Alaska, Here’s Your Card

Sunday, September 7th, 2008

With all the varied activities one can take part in while visiting Alaska, no wonder why it’s such a popular vacation destination.  There is cruising, sightseeing, fishing, hiking, and hunting not to mention some of the most spectacular scenery in the world.  With so many opportunities to observe and even interact with nature in an untouched and pristine setting, there truly is not another vacation destination like it. If you are an individual who ventures to the most northern state in the US, then the Alaska Airlines Visa Signature Credit Card is definitely for you.

There is a reasonable annual fee of $75 with a lot given in return.  There is no preset spending limit, 24/7 Concierge Service, Visa Dining privileges as well as 20,000 bonus miles just for getting the credit card. Flight rewards start at 20,000 miles and there is a $50 companion ticket given out annually. As far as points go, they are accrued quite rapidly with this program; 1 mile per $1 in retail purchases, 2 miles per $1 spent in Alaska or Horizon Air purchases and up to 5 miles per $1 spent at certain restaurants and hotels.  Miles do not expire and they have 10 airline partners that you can use the miles on.  With all of these features and a relatively low APR, is there anything else a fan of Alaska could ask for? Maybe; a vacation home there to enjoy with your friends and loved ones and the 3 months a year of vacation time.


By Steve Borrelli from Sterling Home Mortgage

Photo Credits: Noël Zia Lee (cc)

A Mileage Credit Card For Customers Who Travel To Asia. Great Benefits!

Saturday, September 6th, 2008

When deciding which credit card to use on a regular basis to accrue miles that can be redeemed for your future flights; what are you really interested in? Is it value? Benefits? Options that make the annual fee worth the price? Most people would agree with this, and for that reason Bank of America has carefully designed and optimized the Asiana American Express Card. It’s a terrific opportunity to save money and enjoy deluxe benefits for frequent travelers to Asia.

There are a plethora of benefits to this card but here we’ll just go over a few. To begin with 5,000 bonus miles are added to your account after your first purchase. You will earn two miles for every dollar you spend in purchases and three miles for every dollar spent in purchases at participating grocery stores. There is an Entre Program which is exclusive to American Express. You will be to enjoy special upgrades and amenities at premium hotels, exclusive offers from some of the world’s leading airlines and more.

Are a golf fan? Show this credit card and you will receive access to members-only courses through Korea and the Asia Pacific region. Now that is a benefit truly worth its weight in gold. Also there is an automatic $100 annual rebate on Asiana Airlines ticket purchases which more than covers the $99 annual fee. If you travel to Asia then the Asiana American Express Card from Bank of America is for you.


By Steve Borrelli from Sterling Home Mortgage.

Photo Credits: Lucas Jans (cc)

The Most Enjoyable Airline Now Has Its Own Credit Card

Friday, September 5th, 2008

Short of flying in a private jet, Virgin Atlantic has arguably the most advanced and comfortable flight experience in the sea of flight options. Everything from the first and business class options to the food, they produce an experience that is second to none. It’s not hard to imagine why they have such a loyal clientele of frequent flyers, and for that select group there is now a perfect credit card to match. The Virgin Atlantic American Express Card is specially suited to earn the maximum amount of miles for the purchases made with it.

For example, after your first purchase you are credited with 20,000 Flying Club bonus miles. Then you earn 3 miles per $1 spent directly on Virgin Atlantic purchases and 1.5 miles per $1 spent in retail purchases. That is one of the best ratios for miles per dollars spent in the industry. As if that is not enough, up to 15,000 additional bonus miles are credited to your account on your anniversary and 2,500 bonus miles for each additional card member added to your account.

Some additional benefits include no annual mileage cap as well a 10% off the Virgin fares. That 10% can really add up quickly if you are a frequent flyer. Keep in mind there is a $90 annual fee but with all the benefits you receive with this card there is no doubt over the course of 12 months it more than pays for itself.


By Steve Borrelli from Sterling Home Mortgage.


Photo Credits: Cubbie_n_Vegas (cc)

Don’t Like Travel Restrictions? No Problem

Thursday, August 28th, 2008

You have finally earned enough points using your credit card to actually qualify for a free airline ticket. It has taken you awhile since they don’t accrue very fast, but sure enough you got there.  You consult your calendar, you peruse the myriad of travel destinations that you wish to enjoy and then make your final decision of where and when to go. With a sigh and relief and anticipation you go ahead and pick up the phone to call your credit card company and make the joyous flight reservation.
After all that planning you are informed by an emotionless and unflinching reservation specialist that you are not able to redeem your points at that time of the month. Not only that, but you cannot redeem them with the airline which offers the flight schedule you had found. Sorry, you are on your own.

If you can relate with these credit card “Miles Card” program woes, you are not alone. If fact many thousands of Americans each year are affected by just this scenario. How does one get around it?  The Discover Business Miles Card. It has all the normal bells and whistles of a great travel credit card, but it also offers absolutely unrestricted travel through any airline, travel agent, or online travel site no matter what the date. Finally you have the control on how to use your hard earned points.

Additionally, there is a 0% introductory APR, double miles on gas and travel purchases and one mile earned for every $1 spent on other card purchases. If you like to fly for free, you have found the right card!

Photo Credits: Miguel Sancheese (cc)

A head start on a vacation with your favorite Airline: JetBlue and American Express

Sunday, August 24th, 2008

Jet Blue has rocked the Airline Industry by delivering excellent service and making air travel fun.  If you haven’t tried JetBlue you owe it to yourself, and if you have, you know that’s one of the best ways to fly.
And now for the good news:  American Express and JetBlue Airways have gotten together to offer the JetBlue Card, a reward card where you can earn TrueBlue points good towards free flights.

And of course the perks are numerous (*):

  • Exclusive benefits for JetBlue Business Cardmembers: 5% savings on JetBlue flights purchased directly from JetBlue, using your Card
  • 50 TrueBlue® points, worth 1/2 of a free flight, after your first purchase
  • Double Award Dollars on JetBlue purchases, gas, wireless phone charges, and more
  • Automatic discounts at leading merchants through the OPEN Savings program
  • Your TrueBlue points do not expire when you use your Card
  • Protection when you travel: Car rental loss and damage insurance, baggage insurance, and more.

(*) See the official American Express JetBlue Card site for details.

When Miles Rewards from your Credit Card are not Enough

Tuesday, August 12th, 2008

If you were to pick a credit card because of the Airline Miles rewards, would you settle for just miles  or would you want something more?
Northwest Airlines (NWA) and USbank have two credit cards that offer more than just miles.

WorldPerks Visa Signature Card:

  • One-time Enrollment Bonus
  • Redeem up to two award tickets a year for as little as 19,000 miles each
  • Double Miles for purchases direct from Northwest Airlines®
  • No preset spending limit
  • No cap on miles you earn
  • Redeem 10,000 miles for $100 off a Northwest Airlines ticket — up to six times a year
  • Get a Free Day on a 3-day weekend rental from National Car Rental®, plus up to 15% savings and a complimentary Emerald Club® membership
  • Enjoy VIP perks at the world’s best hotels, resorts, villas and cruises with complimentary membership in the Hideaways AficionadoTM Club (a $135/year value)

WorldPerks Visa - Earn Up to 20,000 Bonus Miles

WorldPerks Platinum Signature Card:

  • One-time Enrollment Bonus
  • Redeem up to two award tickets a year for as little as 21,000 miles each
  • No preset spending Limit
  • No cap on miles you earn
  • Get up to a 15% savings from National Car Rental and a complimentary Emerald Club membership
  • Enjoy VIP perks at the world’s best hotels, resorts, villas and cruises with discounted membership in the Hideaways Aficionado Club (save $45/year)

WorldPerks Visa - Earn Up to 20,000 Bonus Miles

As Seen on TV

Tuesday, August 5th, 2008

We HAD to do it!

How many times do you remember a funny and entertaining commercial on TV, you remember what it was for (in this case – of course – credit cards) but you just can’t remember the name of the company or their web site.  We understand.  There are just too many credit card companies out there, and remembering a web site name?  Forget about it, often there’s no MOJO in their name.

So a few people, very resourceful people, have emailed our webmaster asking “what was that credit card with the funny TV ads that lets you build your own card?  You know, the one where you can put the photo of your cat and pick the interest rate and the rewards?”

It’s Capital One’s Card Lab.  Capital One pairs great offerings on their credit cards with highly creative and entertaining TV ads.


Capital One Card Lab

Credit Cards vs. Debit Cards for every day use.

Monday, August 4th, 2008

Once upon a time, in the era before Debit Cards, financial savvy people would charge every day items and periodic expenses on their credit cards, paying off the balance at the end of the month; taking advantage of the float, rewards, extra warranties, and consumer protection.

Then the banking industry had the brilliant idea of combining the function of the credit card with the function of the checking account, and the debit card, or check card, was born.

The idea was pretty simple: why write a check, when you can just swipe your check card?  And the check card looks like a credit card but works like your ATM card, swipe it, sign, and the amount is deducted from your checking account as if you wrote a check of some sort, with no reconciliation at the end of the month.

Simple enough, most consumers loved the idea, and it has spread so much that now it is virtually impossible to open a checking account and have a plain old fashioned ATM, 99% of the times, the de-facto standard is a check card.

Did you switch from charging everyday expenses like grocery, gasoline (or shall we call it liquid gold?), besides losing on the float, and missing out on potential rewards (Airline Miles, Reward Points, or Cash Back), there are a items that you might want to consider:

  1. Credit Hold: let’s say you go to the gas station to fill up your car, pay at the pump, and you pay by Check Card.  Chances are the system is going to ask you to swipe your check card before you start pumping.  Well two things happen in the background:  when you first swipe your card, the system asks for a credit authorization to your bank, and then once you are done pumping, the proper amount is charged to your checking account.  The problem is the original credit authorization or credit hold, takes a few business days to be released, and often it amounts to $ 75.  So if you spent $ 60 in gas, your available balance has been decreased by $ 135, and if you run a tight ship those $ 75 might make A LOT of difference, and if you were relying on that $ 75 to clear checks that you have issued it will trigger an overdraft, where banks often tackle overdraft fees in the $ 25-$35 range.  Did you know that?
  2. Maximum Liability For Unauthorized Use.  If your credit card is stolen or your account compromised in any way, you are liable for only the first $ 50.  It’s the law, says the Fair Credit Billing Act.  Not so for a Check Card.  Your Check Card doesn’t fall within the Credit Billing Act and it is regulated by the Electronic Funds Transfer Act, and your liability depends on many factors including how quickly you report the loss, how responsive your bank is; since these Check Cards and ATM cards might have unlimited liability under certain circumstances.
  3. Consumer Protection:  if you pay for a purchase by Credit Card, and then there’s a problem with the transaction, your duty is to try to solve the issue with the vendor, and if your efforts go nowhere, you can dispute the charge with the Credit Card issuer who will immediately remove the charge from your account, debit a chargeback to the vendor, which is a good deterrent in solving the issue.  Not so with a Check Card, or not always, some banks have extended similar protection to their Check Cards, be sure to read all the fine prints and to stay up to date with the updates to the Terms and Conditions of your Bank.

We hear of many people switching back to a credit card for every day use, often tallying up on a weekly basis their charges and sending one payment per week to their credit card in order to avoid overspending, which is now very easy since every major bank offers online banking with bill pay as part of their services.

Good credit cards for every day use are those credit cards that offer rewards in terms of Airline Miles, Reward Points, or Cash Back.

For a vast array of credit cards suitable for every need visit Chase “Find a Card” web tool or Citibank’s comprehensive site.