Editor's Choice: The best air miles credit cards

By UK CreditCards.com

Have you ever wished that someone would reward you for splashing the cash on your plastic? Well, it may come as a surprise, but that wish could be made true -- particularly if you have an excellent credit score.


Some credit cards are rewards credit cards, meaning that for every pound or penny you spend, you could be earning yourself a reward. One of the most popular types of rewards credit cards are air miles credit cards. When you spend on this type of credit card, you earn air miles to go towards that dream holiday you have been planning for years.

Air miles credit cards are particularly beneficial if you use your credit card wisely, meaning that you spend high enough amounts on it to reap rewards, but you pay off the balance in full each month. That way, the value of your benefits won't be wiped out by your interest payments. Rewards credit cards are associated with quite high interest rates due to the benefits you can reap, therefore it is important that you consider this when applying for one.

The credit card market is saturated with companies claiming to have the best credit cards for air miles, but how do you really separate the good from the bad? The best way to find the best air miles credit card for your needs is to compare the terms of each card side by side.This will show you all the information you need, including interest rates, rewards information, minimum spends, air miles expiry and much more.

To get you started, here are our top three picks for the best air miles credit cards on the market.

Lloyds TSB Airmiles Duo
With a 15.9% APR, this air miles credit card is one of the cheapest on the market. You earn one air mile per £50 spent, and you can collect double air miles when abroad. Plus, if you spend £1,500 in the first three months, you can earn bonus air miles.

A good credit rating is required for this card so check your credit report before you apply.

Virgin Atlantic Black
This premier rewards credit card has a high interest rate compared to standard air miles credit cards, but the benefits are much higher and it is easier to earn air miles with it.

With the Virgin Atlantic Black, you earn 2 miles for every £1 spent, and you earn double air miles when you spend directly with the Virgin Group. There are also 18,000 bonus points on offer after your first purchase if you spend over £1500 in the first three months (the equivalent of a return flight from London to New York).

American Express British Airways
Another standard air miles credit card, the British Airways card has a slightly higher interest rate than the Lloyds TSB card, but you can earn air miles much more easily with it.

Cardholders earn one air mile for nearly every £1 spent, and if you spend more than £500 in the first three months, you will earn a bonus 1,000 BA Miles. If you spend over £20,000 on your card in a single year and redeem your air miles, you will also receive another ticket on the same flight for free.

To be eligible for this card, you will need an excellent credit rating.

See related: How to compare airline rewards cards; 5 questions to ask when comparing rewards cards

Published: 1 September 2011