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There are thousands of different credit cards available. When you think of merchants, they all offer great returns, discounted interest rates and low annual fees. The choice seems endless ...

And those who choose to be reimbursed for free flights; The choices are greater, the details are more confusing, and the stakes are much higher. This can lead to hundreds of dollars in incorrect unnecessary fees and loss of interest.

The purpose of this guide is to help "frequent travelers" choose the credit card (or fee) that suits their unique circumstances by providing a clear, comprehensive and objective analysis.

Keeping in mind your specific circumstances, we'll give you a roadmap and a key decision to answer the following questions:

* Do you need a rewards program?

* What kind of compensation: frequent flight points or travel coupons?

* What is a "frequent flyer" card?

Do you really need a rewards program?

There are two broad categories of credit cards available.

1) a credit card with associated rewards programs

2) "no frills" cards without software or very basic cards)

Cards with associated rewards programs always pay an additional fee - usually higher annual fees and higher interest rates. Before choosing one of these more expensive cards, you need to make sure that the benefits to you outweigh the additional costs.

To help you make that decision, we offer the following guidelines:

* If your average monthly credit card spend is less than about $ 500, it's unlikely to pay an additional annual fee, as the maximum number of frequent flyer points you can earn is 6,000. At this rate, it will take more than 3 years to get enough lots of points for a short domestic flight that is close to $ 200!

* If you are not used to paying for the card in full every month, then the most expensive card is definitely not for you. The additional interest you will pay to cover the outstanding amount will be much higher than the interest received.

If any of these guidelines apply to you, we recommend choosing a basic card that is ruthless. Don't worry about trying to accumulate frequent seats on your credit card - there are better and more cost-effective options if you need to "top up".

What is a master card?

Hundreds of primary credit cards are available. For convenience, we recommend using a standard bank card. The annual fee may not exceed $ 30. If you pay the full amount each month, find the maximum number of "interest-free days"; Otherwise, go to the lowest interest rate.

If your credit card costs more than $ 500 a month and you pay your entire balance each month, read on.

What kind of reward: frequent flights or travel coupons?

We need to distinguish between reward programs that allow reward points to be converted into frequent flying points and those that do not.

Most reward programs fall into the first category, but more and more new programs are without traditional credit union / building association cards, which do not allow reward points to be converted into frequent flight points. If you choose to travel, you can usually convert your reward points into travel coupons, North American Bancard Agent Program which can then be used to travel with travel agents or subsidiaries.

Because the most complete programs offer you the opportunity to convert reward points into frequent flight points or travel coupons, the only benefit of the Receipt-Only program is that it usually has a lower annual fee.

The only justification for someone to deliberately choose the "coupon only" program is that they either do not plan to travel or are too price sensitive. If you do not plan to travel, you should not read this guide as it is intended for frequent travelers. If you are price sensitive, it may make sense to choose a card that does not have a hairstyle (as described in the previous section) or a bullet bite and associate the card with the fully offered bonus program. You have to pay a few extra dollars.

What is a "frequent flight card"?

So you've proven that you don't want a "no frills" card and that you're actually following a completely different program that allows you to change your reward point to an airline's frequent flyer point. This narrowed the possibilities a bit, but there is still a large selection of cards.

We recommend that you do not decide based on cost (if you are looking for a cheap card, look for a "no frills" card), but keep the following five decision points in mind:

Framework Decision 1: How much do you usually pay for your card each month?

This can be an important factor in choosing a card, as some cards may limit the number of consecutive flyer points earned. If you spend a lot per month, then you should consider cards that do not limit these limits.