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There is a difference between an airline credit card with frequent flyer miles or a reward credit card that offers airline miles. As when looking for any consumer product, it’s a good idea to compare the offers side by side.

Airline Credit Card With Frequent Flyer Miles

An airline credit card is for a specific airline. You earn air miles for every dollar you spend on that airline and your miles are routinely added to your frequent flyer account. If you have a preference to a particular airline, this would be the card for you.

The airlines generally have partners such as hotels, restaurants, and car rental agencies and you typically receive points when you use your card to purchase services from any of their affiliates. You may also be given a choice to spend your points to upgrade your flight to first class. Some airlines offer a special bonus of an additional ticket for each ticket your purchase at full fare.

An airline credit card generally carries a yearly fee, whether you use the card or not. They also tend to have higher interest rates, so if you’re not one to pay your balance in full each month, this may not be the type of card for you.

Reward Credit Card Air Miles

If you want a choice of airlines, a reward credit card with air miles may be what you’re looking for. You can earn bonus points to be used for air miles that can be spent on your choice of any airline. Most reward credit cards have no annual fee and lower interest rates than an airline credit card.

With air miles earned with a reward credit card, you are not allowed to apply your air miles earned with frequent flyer miles on another account. Unlike with an airline credit card where you can easily make last minute plans for your flight, generally a reward credit card requires a 21 day notice in advance and a Saturday night stay. Reward card airline miles are often limited to the continental U.S. or a specified zone.

For an international traveler, an airline credit card with frequent flyer miles could be just what you want. Those airline miles can mount quickly. However, if you are just hoping to earn enough points for a short vacation within the U.S. or a specific area, if you use your card for every day purchases and pay the balance each month, to earn free tickets, a reward credit card with air miles would be more suited for you.

Be practical when reviewing your personal needs and financial situation before choosing between an airline credit card with frequent flyer miles or a reward credit card with air miles.

About the Author: Bradley Carson is the webmaster and editor of Apply Online For A Credit Card at http://www.cards-king.com This is a website created to bring concise credit card information and credit card offers from premier financial institutions.

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In a move thought by some as an attempt to stave off bankruptcy as well as to generate cash, Delta Airlines made the move on August 16, 2005, to sell one of its regional carriers, Atlantic Southeast Airlines, to Skywest, Inc. The sale comes in the face of rising fuel prices and a high debt burden that many U.S. airlines in addition to Delta are carrying.

As much as the $425 million selling price of the regional carrier will infuse Delta with cash, the carrier still has nearly $20 billion dollars in outstanding debt and leasing costs to manage. Delta is expected to use some of the funds to reduce their debt and set aside the remaining monies as reserves. Delta must have a reserve in place totaling $750 million dollars as it negotiates with a credit card processor this fall to extend or renew its contract with the processor. Without the reserves and the extension, Delta would be certain to file for bankruptcy.

While Atlantic Southeast Airlines is no longer part of the Delta portfolio, two other divisions remain and may also be sold.

Delta AirElite, the business jet sector of the company, is the most profitable part of the company. A sale of this company would probably signal to the industry that Delta cannot recover from its current financial plight. Cash rich Gulfstream Aerospace Company or TAG Aviation may serve as viable suitors for this company.

Comair, another regional carrier owned by Delta, could also be put on the auction block. Selling this regional carrier would leave Delta without a regional service provider, however.

Ultimately, these are bleak times for the venerable carrier. Odds strongly suggest that the company will seek bankruptcy protection this fall, particularly before changes in the U.S. bankruptcy law take place in October. High fuel prices and poor management decisions have contributed to Delta’s current state of affairs; unfortunately employees and passengers will likely suffer the most should Delta go bankrupt.

Matthew Keegan is The Article Writer who writes on just about any and every issue imaginable. You can preview samples from his high performing site at http://www.thearticlewriter.com

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