So you are trying to earn airline miles and start traveling more, but your credit score is like a big caution sign to credit card companies. To get a travel rewards credit card you need a pretty good credit card score, and yours is terrible. So you try to find a debit card that offers reward miles. But all you find is links to dead websites, redirected pages, or an apology stating that the card you’re looking for no longer exists. It can get so frustrating that you have probably given up on your search.
Luckily for you I have done all the research you will need. It’s true debit cards that actually reward you with airline miles are on the way out. The ones that have stuck around are notorious for giving less than stellar rewards. But that doesn’t mean they’re not worth the time. Anyway you can earn miles is always worth it, and if you can’t get a credit card a pre-paid credit card or debit card is you next best option. I’ve compiled a list of all of the cards I have found, (not tried.)
Key Bank offers members with a checking account and debit card a chance to earn rewards points that can be used towards travel. Depending on what account you open you may have to pay a fee to have the account.
The AeroMexico Visa Secure Credit Card, through US Bank, gives customers 1 mile per $1 spent, double miles on gas and groceries, and a complimentary checked bag on AerroMexico flights. The card is free for the first year and after your first purchase you get 5000 introductory miles. There is an application process and you will have to send in $300-$5000 deposit to open your account. You get a credit line equal to your deposit.
The SkyPass Visa Card works much like the AeroMexico card and earns miles for Korean Airlines. This is a pre-paid card that earns 5000 miles after your first purchase, 1 mile per $1 netted, and gives customers $250,000 in travel accident insurance.
After opening an account Airlines Rewards Checking gives its members 1 mile for every dollar spent at point of sale. You get to pick which participating airline you earn the miles for at sign-up. This account does require a $100 deposit to start.
From what I have seen and read this seems to be the worst card on the market. It has a small amount of airports it flies out of, poor customer service, only earns 1 mile per $3 spent. It also caps earnings at 1000 miles per month.
Bank Direct Checking With AAdvantage
Bank Direct has Partnered with American Airlines to give their checking account members access to AAdvantage miles. While you don’t exactly earn points for purchases, you do earn points for the various services you are enrolled in. Open a checking account, keep a qualifying minimum balance, use bill pay each month and you can earn points on American Airlines. The minimums for most of these are pretty high so you will want to look into the services offered and see if they would work for you.
USFCU Debit Card With Scorecard Rewards
This is the debit card that I am currently using to earn travel points. So far I have been pretty happy. All you have to do is open an account with a participating credit union and use your debit card to earn 1 reward point per $2 spent. While it may not be the greatest return beggars can’t be chosers right? Points are only awarded when you make a purchase online or by using your signature however. So don’t use your pin number for transactions. When you have the points needed for travel you can redeem them from the Score Card Reward website.