It seems up here in Canada most everyone uses Credit Cards which collect FF Miles. Though I may be wrong, oddly, the practice seems less universal in the US.
Kind of wondering why that would be. How many of you use credit cards that collect FF miles, and if you don't, why not?
We don't use them because all the offers I've seen for them have an annual fee attached. I'm not sure the miles I would earn would equal the annual fee paid......I use my free Discover card and get a cash back bonus that I can use for anything!!
We do use our Mastercard for FF miles. In Germany, you have to pay an annual fee anyways and the interest is the same no matter where you go...and that is high, believe me! We do use it a lot because of the FF miles and all the other bonus programs (hate to think that can track us all the better but.....) and make sure that we pay the balance at the end of the month.
Donna, We have had one of those GM cc before, and have used the credit several times. I LOVE 'negotiating' the final price, and of course they always say, we're giving the car away....AND then pulling out that credit document!
I also routinely use an Advantage card for American Airlines. It does have a yearly fee and the interest is higher than some you could find. Paying off the balance every month is the key to making those cc's work in your favor.
I use a Marriott Visa card and get Marriott points. We've taken free trips to Hawaii (twice), Marco Island, Hilton Head and Newport Beach. We charge everything to this card; gas, jewelry, home repairs.
We use either airline or hotel affinity credit cards for everything. We have amassed enough points over the year to fly first class anywhere in the world and stay anywhere in the world for 2 weeks or more.(granted my wife travels every week and accumulates a lot of FF points from the airline, and hotels) The cards also offer free cruises that can be obtained by converting the points to a travel partner. Example : Marriott offers cruises on HAL by using your Marriott points. As long as you pay the credit card bill in full every month, I feel the Airline and hotel affinity cards offer some "real advantages". Anyone ever priced the cost of a R/T first class ticket to Australia. I'd have to have mega bucks to be able to fly that 22 hour flt in first class.....I think the $ 90.00 airline membership fee is worth a $20,000 ticket.
I have a Capital One Miles One card. No annual fee 9.9% interest rate. I use it all the time. You can use the miles on any major airline also.
I charge everything on it. Groceries, gas, etc.
Usually, at least one of us can fly free when we cruise.