The Best Airline Miles Credit Cards 2014

JetBlue_TrueBlue_from_American_Express

“If only there were a way to get airline miles faster,” you wonder?  “What would be really awesome is if I could get lots of cool benefits too,” you say.

Well there is and you can.

If you fly on one favorite airline for most of your trips (or even if it isn’t your favorite but you fly it because you have to), using an airline miles credit card for the specific carrier can be a great way to maximize your airline spending.

credit card for airline miles

Finding the best credit card for airline miles can help you travel for less!

If you have that one magic carrier you always use then it’s pretty easy to find an airline miles credit card to match.  Most, if not all major airlines have a credit card.

But what if you fly different carriers and have a few choices?

If that’s you then having a great airline miles credit card can make your flights more enjoyable and you can earn miles towards free trips faster.  The right card can steer you towards a specific carrier because of the better benefits.

And if I don’t know what airline I’ll be flying next?

Don’t worry, some of the best credit cards for airline miles let you transfer their miles to a number of different rewards programs so you can earn miles without worrying about one particular carrier.

But which are the best airline miles credit cards?

Below we’ll look at some great airline miles choices and what makes each card tick.

Need more convincing?

Finding the best airline miles credit card to match your favorite airline can net you free tickets to fly, miles that can be used towards car rentals and hotels, upgrades, free bag checking, preferential check-in, and more!

Keep in mind you need to responsibly spend and pay off your credit card bill monthly in order to truly make the most of your airline miles.  Keep in mind too, most airline miles cards have an annual fee (some waive the fee the first year).  You will find that if you take advantage of the benefits of the card, the fee is well made up for.

Done right, you can turn your everyday spending into airline miles and reduce the cost of your flying and possibly take advantage of special perks as well.

Take a look at the following cards and see which is the best airline miles credit card for you.

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How to Save on Running Shoes, Gear, and Events

As the season warms up I look forward to lacing up the old running shoes again. I know there are hard-core runners who run through winter but that’s just not something for me (yet).

When I start the season off I try to take it easy and keep my run leisurely.  And yet I’ll still try to do too much and forget that it takes some time to build up my conditioning.  The next couple of days after that inaugural run are always fun [ouch]!

I got to thinking about how simple it is to run.

Here is this wonderful exercise that just about anyone can do.  People pay hundreds in gym memberships and buy expensive machines for home to workout when a simple run may be all they need.

What’s it take to run?  Go out and move faster than a walk!  I think maybe your feet have to leave the ground at some point.

But then I thought about it and I realized running can be expensive as well.

Here’s How You Can Save on Running Shoes, Gear, and Events

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Blue Cash Preferred ® Card from American Express Review – More Cash Back and Free Amazon Prime

Does it seem like you spend a ton on groceries and gas these days?

Yeah….me, too.  Here’s a card that helps ease the pain of that spending with some great cash back rewards on gas, department stores, and the best we’ve seen on groceries.

It’s the Blue Cash Preferred® Card from American Express credit card, another card in the “Blue” family of American Express cards.

They’re offering a decent Welcome Bonus right now, too – if you charge $1,000 to the card in the first three months, you get 100 in Reward Dollars.  AND you can also get a free year of Amazon Prime if you satisfy the bonus requirement.  Nice!

Now Let’s Dig Deeper Into the Blue Cash Preferred® Card from American Express

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What Is A Secured Credit Card?

credit_card_sample

Just like bank loans, where there is secured and unsecured borrowing by businesses, credit cards as a form of consumer debt can also be either secured or unsecured.

Credit cards, as most of us know and use, are unsecured.

The money is lent to card users without any collateral against it and it is up to consumers to pay back the account balance later and if not, the card issuer loses (well, they will go after you but there is no guarantee they get their money back).

When the possibility of not paying back by a credit card holder becomes a serious concern, either because of the applicant’s bad credit in the past or no established credit at all, a card issuer would require certain amount of funds to be deposited as collateral before a credit line can be issued.
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How to Start an Emergency Fund

One of the best things you can do for your personal economy is to start an emergency fund.

Your emergency fund can help protect you against financial setbacks, since it provides you with a little extra cushion to draw on.  Rather than turning to debt, you can use money in your emergency fund to cover unexpected costs.

Experts recommend that you save at least six months’ worth of expenses in an emergency fund.  So, if you spend $3,000 a month, you need to have $18,000 in an emergency fund.

That’s a daunting task.

How can you get started when you have that huge amount of money hanging over your head?

Here’s How to Start an Emergency Fund

Break It Down

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Credit Score – What Does It Mean?

Credit Score Ranges

What Is A Credit Score?

You’ve heard that a credit score is important, haven’t you?  You may have even heard how you should protect your credit score.  But a lot of people are still unsure of what a credit score actually is.

Let’s take a look at credit scores and what they mean.  This way you know once and for all what they are and how they are used.

A credit score is a calculation based on information from a credit report which gives a representation of how credit-worthy a person is or how likely a person is to default on their loan.

Let’s take a quick step back, shall we?  We’re talking about credit scores but it’s important to understand what a credit report is all well.  Your credit report is basically a listing of all the credit accounts you have and your history paying your credit, or debt, off.  Sometimes the report is referred to as your credit history.  The information comes from the lenders who report your activity to the three major credit bureaus.

To quickly sum up — your credit report gives information and a history of your credit accounts.  Now back to credit scores…

Your credit score gives a number range to quickly sum up the information from your credit report.

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Blue Cash Everyday ® Card from American Express – Review, Now With Amazon Prime and a $50 Bonus

American Express has a great card in it’s “Blue” family – the Blue Cash Everyday® Card from American Express.

This is a nice no-nonsense cash back card that’s easy for people to understand.  These days that’s getting harder to find as credit card companies make their rewards harder to get or increase the annual fee to make up for the benefits of the card.

Let’s take a look at what the Blue Cash Everyday® Card from American Express has to offer.Continue Reading

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