The category winner is the card that scores the highest number of points based on a unique, 41-facto

The category winner is the card that scores the highest number of points based on a unique, 41-factor formula that I designed. The formula gives each card a benefits/rewards score and then subtracts the costs score.
Since the holidays are almost here, I decided it s the perfect time to look at credit cards that offer airline miles. I know that many folks will be jetting off to see family and friends. And I know some of you travel airfare cheap tickets for a living so earning miles is very important. So for all of you frequent fliers out there, I ve reviewed dozens (and dozens) of credit cards that let you redeem airline miles for flights.
I looked at cards that had annual fees below $100 (although I looked at one card that had a $175 fee just to make sure I didn t miss a steal). The elite cards do have some amazing perks but they charge steep annual fees as well. I wanted to keep this affordable for the average consumer.
The upcoming holidays and the still-rocky economy got me thinking about low interest credit cards. I always tell folks that it s a good idea to have a low-interest card on hand for cash-flow emergencies. You can have a rewards card to earn points, cash back, or miles, but you don t ever want to carry a balance with a rewards card because the interest rates are usually on the high side.
So I also took a look at credit cards with the lowest ongoing interest rates (also known as the APR). If you have to carry a balance, a low interest rate credit card is a nice thing to have in your back pocket.
A consumer advocate, Beverly focuses on credit card issues and provides insight about current news that affects the credit card industry and consumers. She's a nationally recognized expert on credit card issues and is also the co-author of The Complete Idiot's Guide to Person-to-Person Lending. Visit Beverly at BeverlyHarzog.com .
Camilla-I wish I could help but I m not an expert about cards in South Africa. But hop online and do some research on sites that focus on these cards. You can also check with your local banks to see what cards they offer. Read the fine print carefully and set a high standard. You can come up with your own best cards list!
Question: will trading in a standard Capitol one card for the Venture rewards card affect my credit rating? Seems to be conflicting airfare cheap tickets info about deleting (cutting up a card) and then applying for another one. I don t want to many and right now I don t have any debt my cards.
There s not a black-and-white answer about what will happen to your credit score if you cancel a card. But if your new card has a lower credit limit than your old one, then this could increase your utilization ratio (the amount of credit used compared to your available credit). An increase in this ratio can lower your credit score. But if the limits are the same, it s probably a wash.
Honestly, there are so many factors involved in your credit score it s hard to predict what will happen in this specific instance. Just make the choice that s best for your personal airfare cheap tickets situation and check your credit score from time to time.
Also, you can use your points/miles for almost anything you can think of in addition to travel. Cash back, statement credit, gift cards, merchandise you name it and there s a way to use points for it. And did I mention the 24-hour personal service? You never have to go thru the pain-in-fanny menu options when you call them!
But I love all the features you mentioned. The 24/7 concierge airfare cheap tickets service that includes a real live human being is very cool. All the perks you mentioned helped the Chase Sapphire Preferred win the airline miles reward for Best Credit Card in America.
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