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If you're looking for the best credit cards to earn air miles or points for your purchases you've come to the right place.  MoneyRates.com has assembled rewards credit cards here.

Take your purchases farther with a rewards credit card that gives you miles or points for your preferred airlines and travel partners. Don't miss out on introductory offers and the best rewards credit card deals that literally go the extra mile. From airline tickets and car rentals to hotel rooms and vacation packages, a rewards credit card can give you something back for your spending.

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Card Rating
  • Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
  • 2X FlexPoints at gas stations, grocery stores or airlines - whichever you spend the most on each monthly billing cycle, and at most cell phone service providers.
  • 2X FlexPoints for your charitable donations
Read more
Apply Now
On US Bank secure website
Points or Miles
2X FlexPoints at gas stations, grocery stores or airlines - whichever you spend the most on each monthly billing cycle, and at most cell phone service providers. 2X FlexPoints for your charitable donations
Bonus
Earn 25,000 enrollment FlexPoints
worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
Credit Needed
Excellent
Annual fee
$0* Intro for first year; $49* thereafter
Card Rating
  • Created for those with EXCELLENT CREDIT and approval is based on your credit rating and application review.
  • Low 12.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred
Read more
Apply Now
On Simmons Bank secure website
Points or Miles
1.25 points per net dollar spent
Bonus
N/A
Credit Needed
Excellent
Annual fee
None
Card Rating
  • Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
  • Earn 2X FlexPoints in the category where you spend the most each month-gas stations, office supply stores or airlines, plus on cellular providers.
  • Earn 1 point for every other eligible net dollar spent.
Read more
Apply Now
On US Bank secure website
Points or Miles
Earn 2X FlexPoints in the category where you spend the most each month-gas stations, office supply stores or airlines, plus on cellular providers. Earn 1 point for every other eligible net dollar spent
Bonus
Earn 25,000 enrollment FlexPoints
worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
Credit Needed
Excellent
Annual fee
$55*
Card Rating
  • A travel & entertainment rewards card for students, young professionals & recent immigrants
  • Priority Pass™ Select Membership (valued at $99), after you make $1,000 of purchases with your new Deserve Pro Mastercard within the first 90 days after activation.
  • 3% cash back on travel & entertainment, 2% cash back on restaurants, 1% unlimited cash back on all other purchases
Read more
Apply Now
On Deserve secure website
Points or Miles
3% cash back on travel & entertainment, 2% cash back on restaurants, 1% unlimited cash back on all other purchases
Bonus
Priority Pass™ Select Membership (valued at $99)
after you make $1,000 of purchases with your new Deserve Pro Mastercard within the first 90 days after activation.
Credit Needed
Good
Annual fee
$0
Card Rating
  • Get up to 40,000 bonus LifeMiles for a limited-time! Standard 20,000 welcome bonus after first purchase, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 40,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.
  • Earn 2 LifeMiles per $1 spent on Avianca purchases
  • Earn 1 LifeMile per $1 spent on all other purchases
Read more
Apply Now
On Banco Popular secure website
Points or Miles
Earn 2 LifeMiles per $1 spent on Avianca purchases. Earn 1 LifeMile per $1 spent on all other purchases.
Bonus
Get up to 40,000 bonus LifeMiles for a limited-time!
Standard 20,000 welcome bonus after first purchase, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 40,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.
Credit Needed
Excellent,Good
Annual fee
$59
Card Rating
  • Get up to 60,000 bonus LifeMiles for a limited-time! Standard 40,000 welcome bonus after first purchase, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 60,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.
  • Earn 3 LifeMiles per $1 spent on Avianca purchases
  • Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
Read more
Apply Now
On Banco Popular secure website
Points or Miles
Earn 3 LifeMiles per $1 spent on Avianca purchases. Earn 2 LifeMiles per $1 spent at gas stations and grocery stores. Earn 1 LifeMile per $1 spent on all other purchases.
Bonus
Get up to 60,000 bonus LifeMiles for a limited-time!
Standard 40,000 welcome bonus after first purchase, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 60,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.
Credit Needed
Excellent,Good
Annual fee
$149
These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.

Best credit cards: air miles and points

By Doresa Banning | Money Rates Columnist

With the wide variety of reward options available now, it's no wonder that credit cards offering miles and points are a popular choice. After all, who doesn't like free trips, food and other goodies?

Earning your rewards

With rewards cards, you earn points or frequent-flyer miles when you make purchases. In most cases, you don't earn points or miles with cash advances, balance transfers and payments.

With most of these cards, you earn between one and two points or miles for each dollar you charge on the card, depending upon your card's terms. Some card issuers will award multiple points for each dollar you spend on purchases at certain locations such as gas stations with your 2012 gas credit card, grocery stores, drugstores and car rental agencies. You might also receive a bonus, such as 30,000 miles or 60,000 points (again, it depends on your specific card) for signing up or for reaching a spending amount within a given time period. Some even offer a free flight after your initial purchase when certain conditions are met. The more miles or points you accumulate, the greater your reward.

Because of the array of options, it's often easy to find a rewards card that suits your lifestyle and spending habits. For example, if you enjoy frequent travel, a card offering frequent-flyer miles would be a better fit than one offering points to be redeemed at one or more retail stores. Conversely, a big shopper might prefer the points card.

Redeeming your rewards

Some cards require you to accrue a certain number of points or miles before redeeming them while others allow redemption anytime. What you can redeem the miles or points for depends on your specific credit card's program. Typical redemption rewards include airfare, hotel stays, rental cars, vacation packages, cruises, airport parking, as well as other goods, services and gift certificates. You may be limited to redeeming your frequent-flyer miles with certain airlines. In some cases, when cashing in your miles, you may only fly on low-volume travel days and when seats are available.

When the time comes for redemption, keep in mind the average monetary value of one frequent flyer mile or one point is 2 cents. Most frequent-flyer programs let you use both miles and cash to purchase airfare or other rewards, which means that if you don't have enough miles for a flight, you can use the miles you have and pay the balance with cash.

With some of these credits cards, your miles or points will expire if you don't use them within a certain period. With others, such as those offered by many larger airlines, the miles don't expire as long as there's some activity on the account every three years. However, airlines can change their expiration policies at any time. In addition, you could forfeit any accumulated rewards if you close your account.

Other fine print

Some credit cards that earn points have a cap on the number of points you can collect. With others, you can earn 'til your heart's content.

Because rewards credit cards are more expensive for the issuers to manage than typical account, they tend to have higher APRs, often in addition to an annual fee. And while most airlines offer free enrollment, you'll likely encounter fees down the line for things such as processing your miles or having an inactive account.

And as with any credit card, paying your account balance monthly ensures you get the maximum benefits.

1 Comment
test 20 August 2015 at 10:34 am

With some of these credits cards, your miles or points will expire if you don't use them within a certain period. With others, such as those offered by many larger airlines, the miles don't expire as long as there's some activity on the account every three years. However, airlines can change their expiration policies at any time. In addition, you could forfeit any accumulated rewards if you close your account.