They reward your spending by giving you air miles points. The more you spend, the more points you get.

You can exchange the points for flights and other rewards. This guide to air miles credit cards explains how they work, how to get air miles, what you can use them for and what charges they come with.

Choose the best air miles reward scheme

If you want to travel to a specific destination with your air miles, choose a card that works with an airline that flies there.

If you have not decided on where you would like to fly to, choose a card that lets you accumulate the most air miles in return for what you would spend.

Are they worth it?

This depends on your finances and how you would use the card:

Will you clear the balance every month?

An air miles card could suit you if you are always able to pay off what you spend.

However, if you need to use the card to spread the cost of a purchase or pay off a card you already hold, the interest you would pay could cost more than any air miles you would earn.

Should you get a cashback or rewards card instead?

It is worth getting something for nothing on your credit card spending, but air miles are not the only reward you can get.

Some credit cards give you a percentage of what you spend back as cashback or other rewards like shopping vouchers.

Work out what you are likely to spend each month and check which air miles, cashback or rewards card would give you the most valuable incentives in return.