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In today’s economic state it is imperative to utilize programs and incentives that will assist you financially. There are a variety of credit card programs that offer frequent flyer miles, which is a great way to spend and save. Each program differs from card to card and it is important to know the features and conditions associated with each.

There are a few credit card programs to focus on that will provide you will mileage based on your purchases; take advantage now of these amazing offers. Not only can you earn frequent flyer miles, but many credit cards also offer hotel discounts at participating hotels. Each credit card is unique and it is up to you to read the fine print and know exactly how to redeem and earn points.

Capital One No Hassle Miles Rewards is a Visa credit card that offers one mile per dollar spent on purchases up to $1,000 each month; if you go above $1,000 in a month, those additionally purchases will earn you two miles for each dollar spent. This card offers 0% APR until September 2010 with no limit to how many miles you can redeem and no expiration date on your miles. Capital One offers another similar card for Professionals that has everything the original credit card offers but includes no black out dates and no seat restrictions. Also, with the Professional card you can get more “bang for your buck” with two miles for every dollar spent from the start. Yet another perk is that the miles can be redeemed for travel, merchandise, gift cards, and even more!

Miles by Discover card is another credit card that offers frequent flyer miles. When you use this card you get two miles for every dollar spent towards travel and restaurant purchases and one mile for every other dollar spent towards other items. Additionally, if you chose to make purchases on their online shopping site, each purchase is two miles for every dollar.

American Express Preferred Rewards Gold Card offers Membership Rewards that you can turn in for travel, shopping, and entertainment. You can earn one Membership Reward for every dollar you spend and if you spend over $500 in less than three months you will receive 10,000 Membership Reward points which are redeemable for a $100 gift card.

Citi Premiere-Pass Card-Elite Level credit card offers one point for every mile you fly on any airline and this includes friends and family who use your card when purchasing a ticket. You can get double points for everyday purchases and one point for items. If you spend $600 within three months of opening your account you will rack up 20,000 bonus points immediately. Another great feature is that you get a free ticket when you purchase a ticket that is $299 or more for flights in the US or Hawaii.

What makes the above credit card programs great is that they are not affiliated with a specific airline, giving you more options to work with and more prices to choose from. Review your past spending and travel records to determine which credit card will help you get the most out of your spending. Credit cards can be a great asset to your credit score if used properly and can offer rewards if you take the time to read the fine print and take advantage of frequent flyer programs.