I am considering opening a frequent flyer miles credit card, but I am not a big credit spender. Many of these programs appear to be skewed in favor of people who spend a lot and fly a lot. Is there any room for the little guy? I would appreciate some advice from the pros on Money Talk. The Delta Gold AMEX seems like a possible choice for my situation.
Here is my background:
I have ONE credit card. It is a Visa issued through a local credit union. It has no rewards, the customer service ranges from mediocre to terrible, and the interest rate is 8.15% purchases, 11.15% cash advances. I have had the card for 4 years and have never missed a payment. My credit rating was 719 the last time I checked. I don't think I would be missing out on much by discontinuing the use of this card in favor of a different one.
I am not a big credit spender. I am averaging $900/month on my Mickey Mouse Visa and I could probably up that to $1500/month if I moved over some recurring bills and routine purchases that are currently pulled from my debit card.
Now I do find myself flying 2-3 times each year and checking a bag at least 1 of those times. The prospect of free checked bags, discounts on inflight purchases like wifi and drinks, priority boarding (I'm always stuck in zone 3 or 4!), and possibly getting better kickbacks for delayed or canceled flights is very appealing.
Is there anything out there that is worthwhile for a low roller like myself?
This post was edited on 9/30 at 9:36 pm