Unfortunately, most of the decent airlines credit cards around are for people with excellent credit, but the good news is that the pickings for people with good to fair credit are not as slim as you’d imagine. Of course, if you have poor credit, you should look for another type of card. One case in point, where fair credit is concerned, is the Aspire Gold MasterCard. This card allows you to earn reward miles without an annual fee. Every dollar you spend will get you a mile, regardless of what you buy. Each year you get 1,000 bonus reward miles. You can redeem them for merchandise, cash, travel, gift cards, etc. The interest rate on balance transfers is set at 19.8 percent. The same rate applies to cash advances and purchases. Your household income should be at least $30,000 to qualify. Benefits include extended warranty, baggage delay, travel accident insurance, and more. There are additional MasterCard benefits, including zero fraud liability and Master RoadAssist Service.
The CIBC Aerogold Visa TM Card is another preferred option. It also gives one reward mile to the dollar, 1.5 miles per dollar spent at gas stations, groceries and drugstores, and the possibility to earn additional miles when you use the card at participating partner stores. You are also offered seats on Air Canada Jazz and Air Canada, including executive first and executive class, together with a warranty that these points will not expire if your account was inactive up to one year. The interest rate on balance transfers is 19.99 percent. You will pay an annual fee of $120.
If you need air miles credit cards in Canada the BMO Gold AIR MILES MasterCard is yet another option for applicants with fair credit. You get 1,000 bonus miles with the first purchase on the card, one mile for every $15 in card purchases, and double reward miles at all participating Shell locations in Canada. Additional benefits include acceptance at millions of locations worldwide and collision damage waiver coverage. The interest rate is set at 19.5 percent with this card. The balance transfer rate is the same, while the annual fee is $99.
Another decent air miles card is the ScotiaGold Passport VISA. Your first purchase charged to the card earns you 30,000 bonus points, the equivalent of $300 in travel rewards. During the first year, there is an initial fee of $99 and $110 a year thereafter. This card enables you to travel anywhere, at any time during the year. The interest on balance transfers is 19.99 percent.
Capital One has its own card to offer – the SkyMiles World MasterCard. Your first purchase brings a bonus of 25,000 miles. Every dollar charged to the credit card (Delta purchases only) earns two miles, and you get one mile for other charges. If you choose to add another user, you will get 2,500 bonus miles.
Looking for great credit card deals, then go to http://www.creditcardreview.ca/. Find advice on Canadian credit cards and learn how to choose a credit card.
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