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Last Updated: Jul 2nd, 2008 - 21:15:22 |
(ARA) - Whether you’re loading up your cart with groceries or paying for your spring wardrobe at the counter, you can -- in the process -- rack up miles toward that well-deserved trip. More and more people today are using their rewards cards for everyday purchases, such as groceries and clothing, to build their rewards bank and transform their purchases into free rewards.
For those with both a love of travel and a good deal, a miles card can be a smart credit card choice. However, before you choose one, here are a few things to consider to ensure that you are getting the most value, choice and control out of your miles reward program.
Travel with No Restrictions
Miles aren’t any good if you can’t redeem them when and how you would like. Don’t settle for blackout dates or booking restrictions. Look for a card that gives you the freedom to book any kind of travel you want, anywhere, anytime, with no restrictions, no advance bookings and no blackout dates.
Understand How to Maximize Your Miles
Be smart about where you use your card since some rewards programs offer the chance to earn additional miles when you shop at certain merchants. Some cards even let you earn two miles for every dollar spent on travel or at restaurants in addition to the regular one mile earned for every dollar spent on all other purchases.
Seek Unlimited Miles That Never Expire
Make sure you pick a card that offers miles that never expire. You don’t want to rack up enough miles to take that voyage to Alaska, but determine that you won’t have enough vacation time saved until next year. Additionally, make sure that the credit card company doesn’t put a cap on the number of miles you can earn.
Redeem Your Miles Easily With More Options
Choose a card that doesn’t limit your redemption options to just free travel. Some cards also offer flexible redemption options such as gift cards with brand name retailers. Others offer the ability to redeem rewards as cash, such as money credited to your account, deposited directly to your bank account or check. You should also be able to manage your miles by phone or online -- anytime 24/7 -- before or after you travel. Find a miles card that puts you in control.
Travel with Confidence Knowing You’re Covered
Explore the card’s benefits beyond miles. For example, consumers who use the Miles by Discover Card are covered by the most complete free travel benefits offered by any no-fee credit card, including access to Global Traveler’s Hotline, a service that provides fast, friendly travel assistance such as finding lost luggage or arranging medical assistance. Miles card members are also covered by $500,000 Scheduled Air Travel Accident Insurance and car rental insurance for collision and damage at no cost when they use their card for air travel and car rentals.
No Annual Fee is Key
Be sure to check and see if your card has any annual fees. If you’re looking to make your money go further, it’s best to choose a miles card that gives you all of these great benefits without charging a fee.
By doing a bit of research, you can let your miles card take you further. It’s up to you how far you go.
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