You should only get an air miles credit card if you know you’ll be able to pay off the balance in full every month. This is because they charge relatively high interest rates on your balance. Some cards also come with hefty annual fees of up to £250, though these cards normally offer higher rates of reward. If you’re looking to borrow money and pay it off slowly, you’ll be better off getting a credit card with a low interest rate. See our list of top 0% purchase credit cards.