A balance transfer may be a smart move if you’d like to pay down high-interest debt or pay off a large purchase and save on interest in the process. It involves transferring debt from a credit card with high interest to a new card with an introductory 0% interest rate offer. Fortunately, many air miles credit cards come with these introductory 0% interest offers. Keep in mind that your interest rate will increase significantly once this period is over and there may be terms and fees involved. A secured credit card is a bit different than a traditional unsecured credit card. If you have bad credit, it may be a better option. With a secured credit card, you’ll make a refundable security deposit. In exchange for your deposit in exchange for a line of credit. You’ll find that if you don’t have the best credit, creditors will be more willing to extend you a secured credit card. This is because they’ll have your deposit to cover the balance if you don’t pay it. If you’re interested in a secured credit card but would like to earn air miles, you do have options. Some of the best secured credit cards with air miles include the LATAM Visa Secured Card.