Your Credit Card to Earn Miles......
our search to find that great trip to Europe don't overlook
that little piece of plastic that has a tendency to plunge
you deeper and deeper in debt. You're probably thinking,
"what? and pay their exorbitant interest rates?"
I don't suggest paying their interest rates because that
could end up being a very expensive trip to Greece. If you're
going to pay by check, then you might as well pay by credit
card and then use your check(and it can be one check a month
to pay off your credit card instead of 15-20 checks to pay
each purchase or bill).
use my credit card to pay everything I can. I've even gotten
out of the habit of carrying cash. I pay any bills I can
with it and charge everything I can when out shopping. That
includes groceries, restaurants, hardware stores, bookstores-
virtually any one that takes a credit card is welcome to
mine. If you have a business, use your credit card to pay
for materials and supplies- there's not telling how fast
you can rack up the miles using it for business.
little as a year, you may be able to turn this little
piece of plastic
into an airline ticket to your favorite destination!
are a few types of cards out there but I usually stick with
a low interest and free card. I have pretty good credit
so I get all kinds of offers from Credit Card companies
but some of them have offered pretty horrible credit rates.(18.99%
for interest). I suggest you keep away from those-bad investment!
With my card I have to spend $70,000 and then I get $800
towards a ticket- granted that's not the best deal but with
it I'm able to get a free ticket to Greece every one or
two years. There are other credit cards that will give you
free tickets to your destination, many of which are offered
by the airlines, but they usually have a yearly charge of
up to $75. That will work if you are using it a lot, but
if you're not racking up a lot of miles you have to add
that to the cost of your "free" ticket, so your
ticket gets less free-er every year!
are new cards that are coming out now that offer cashback....
1%-2%-3% and sometimes more. These can be a great way of
making money back to pay for a ticket but be sure you can
be paid in one lump sum and then put that money away for
your ticket. If you get your money taken off your bill or
paid monthly you'll never see it and in reality it will
be paying for your airline ticket(by virtue of the money
that's returned to you being used for other things so it
frees up some money for your tickets) but it's not quite
as rewarding as get that FREE or reduced ticket in one shot!
remember, the real key to getting the free ticket is by
paying off the card every month- if you're paying interest
then it can become a pretty expensive ticket very quickly.
are also different ways that the credit cards work. With
mine I call a travel agent specified by my credit card company
and they issue the tickets to me. With some credit cards
you can purchase the tickets and they take the charge off
your card, you'll have to check with the card to see what
their method is.
some credit cards tickets can only be issued on certain
airlines approved by the credit card company-You'll want
to keep that in mind also. I like having a card that uses
all airlines since there may be places I want to go where
the approved airline doesn't fly.
the factors above become even more important when you are
trying to get more than one ticket and you only have enough
miles for a single ticket. You'll need to purchase the tickets
simultaneously or you could have a major problem. Let's
say you purchase your free ticket with your credit card
for yourself- Great! Free Trip to Europe! So now, your next
step to get matching tickets for your wife and lovely 3
year old daughter. You call the airline(or your favorite
travel agency) and they quote you $4000 for the same flights.....
whoops... there goes your savings(and more!).
really need to understand the terms of your credit card
airline tickets and then inquire as to a flight that will
work for you. Once you have that information you can search
for the same flight and see if is affordable through a web
site, airline or travel agent. If it is then you go back
and purchase both. If not, then you may want to try to search
for the lower fares for your wife and daughter's tickets
first and then go back to your credit card company to match
it. Whatever you do- Don't purchase one blindly thinking
you've gotten a great deal and then just go to purchase
a similar problem that I hear about all the time when someone
finds a GREAT deal to Europe(let's say...Paris)for only
$499 round trip... and then they go to look for a matching
flight to get them to Greece(where they really wanted to
go in the first place) and they end up having to pay over
$900 for a ticket because it's a "bad time" to
travel. Result- no savings, extra aggravation and a lot
of airport waiting time.
put yourself on the same plane! Know your credit card rules
and search for the tickets simultaneously- then purchase
and enjoy your FREE trip.
thing to check on is the tax policy. In some cases you are
responsible to pay the taxes which can be over $300 adding
a hefty price to your "free" ticket.(and some
airlines call their fuel surcharge a tax since it helps
them to advertise a lower fare "plus taxes"-which
aren't really taxes, but a fuel charge!).