A points-earning credit card is one of the easiest ways to accumulate a large amount of frequent flyer points. You can earn lots of bonus points with a great sign-up offer, then continue to earn more frequent flyer points for every dollar spent on the card. In addition, many frequent flyer credit cards come with complimentary travel insurance and other benefits such as airport lounge passes. The trade-off is that you'll often need to pay an annual fee, and if you don't pay off the card's balance in full each month, you may need to pay interest. The rewards offered by the card often justify the annual fee, however, a high-interest credit card may not be suitable if you don't think you'll be able to make full repayments each month.