They reward your spending by giving you air miles points. The more you spend, the more points you get.
You can exchange the points for flights and other rewards. This guide to air miles credit cards explains how they work, how to get air miles, what you can use them for and what charges they come with.
Choose the best air miles reward scheme
If you want to travel to a specific destination with your air miles, choose a card that works with an airline that flies there.
If you have not decided on where you would like to fly to, choose a card that lets you accumulate the most air miles in return for what you would spend.
Are they worth it?
This depends on your finances and how you would use the card:
Will you clear the balance every month?
An air miles card could suit you if you are always able to pay off what you spend.
However, if you need to use the card to spread the cost of a purchase or pay off a card you already hold, the interest you would pay could cost more than any air miles you would earn.
If you want a card to buy something expensive, one that offers 0% on purchases could give you more than two years to pay it back interest free
If you want to use it to pay off an existing credit card, you could use a balance transfer card that offers an interest free period instead
Should you get a cashback or rewards card instead?
It is worth getting something for nothing on your credit card spending, but air miles are not the only reward you can get.
Work out what you are likely to spend each month and check which air miles, cashback or rewards card would give you the most valuable incentives in return.
Air miles credit cards FAQs
Can I get air miles on my business credit card?
Yes, you can get corporate credit cards that offer air miles.
Can I get more points with a joint credit card?
Credit cards are held and paid off by one person, but adding a supplementary card holder gives them a card in their name that will earn you air miles.
Which airlines offer air miles reward schemes?
Each air miles scheme lets you travel with different airlines; this guide explains which airlines each scheme works with.
Can I get an air miles card with no annual fee?
Yes, some cards come without an annual fee, but cards that charge a fee can earn you more points if you spend enough on them.
Are they the same as frequent flyer credit cards?
No, air miles cards are not the same as cards that offer points for buying flights. Air miles cards give you points whatever you buy with them.
How much do you have to spend to get a free flight?
It varies, but flying from Heathrow to New York could cost 13,000 Avios air miles points (typically a £13,000 spend on some cards).
Can I use my air miles card abroad?
Yes, but it could be more expensive than using a card designed for spending in overseas.
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