What are the benefits to using your credit card to earn Air Miles?

Use your card. The best way to profit from frequent-flyer and Airmile reward schemes is to use your credit card for as many transactions as possible each month, while having a direct debit set up to pay the balance in full. You can even pay things like your mortgage in this way to maximise the amount of points you earn without having to pay any charges. Free flights. You have to be very disciplined and responsible with your finances, but provided that you don’t slip up, or incur any hidden charges, you will essentially get flights for free.

Redeem and pay. You should also check out whether or not you can pay cash to go further than your accrued points allow. Most schemes allow this, but some, like British Airways, apply restrictions, such as where you can fly to.

Discounts. Some cards also offer discounts at partner stores.