Do Credit Card Extras Add Up?

As the credit card market continues to struggle many people are still trying in vain to find the best deals around and save as much money as possible. One quandary which always comes up is the comparison between credit cards that offer no extras and no bonuses and those which offer money back and air miles for example. Which offer the best value?



The simple truth is that it really does depend upon your life style and whether you would actually uses the bonuses and extras on offer. If you travel regularly then items such as air miles might work out more cost affective for you, but if you don't normally travel there would be extra costs with regards to travelling which you would not normally incur in your everyday life.



Money back offers are also very controversial because you need to spend more and more to get a decent amount of money back. What if you do not pay your bill for a few months and the interest mounts up? Would you then be paying back more in interest than you receive back from the credit card companies?



In general the basic offers are the best because there are no hidden agendas and no new costs - what you see is what you get!