Which is better: flight card or low rate card?

Frequent-flier award cards allow you to accumulate miles when you make purchases. Often, the award card comes with a higher annual fee than an ordinary credit card and may have a higher interest rate.

This calculator shows the tradeoff in holding a frequent-flier award card versus a low interest rate card. You can enter any introductory "teaser" rates that apply. You can also assign a dollar value to the award program by inputting the miles accrual rate, numbers of miles needed for an airline ticket, and the value of an airline ticket. This information will help provide a more complete analysis so you can determine which card is the better deal.

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