Spend Credit Earn Miles

If youre the type of person who actually pays off his credit card bill on time and in full, get a card thats affiliated with an airline or hotel you like. The first purchase bonuses alone usually translate into a free domestic flight or a nights hotel stay. After you get your freebie, you can continue generating loyalty points by spending with the card but take a moment to evaluate whether the payoffs are worth the high APRs and annual fee.