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Credit cards are very valuable as they allow you additional time to pay back the money that you owe and can go a long way in establishing a firm credit score for benefits in the future. Online, the terms still say you get a 19. Most airline frequent flyer programs have requirements for both the amount of miles flown and dollars spent with the airline in order to qualify for elite status. However you have to pay a little bit high rate on the interest levels. But if youвre just looking for a cheap, effective card that still has a good rewards program, weвd go with the Chase Sapphire Preferred card. Iвm trying to figure out the best credit card to get to build my credit. Air Transat's vacation routes.