Care to travel and earn mileage points while you're at it? If that's the case, then you should get yourself a United Mileage Plus Signature Visa card that lets you travel with ease and in style. For just $60 a year, cardholders are entitled to insurance for travel accidents worth $1,000,000, lost luggage ($3000), concierge services, reimbursements for delayed trips and emergency assistance. Additionally, with the United Mileage Plus Visa, you will also already be saving your way to a free ticket each time you charge to your card. This is possible as every dollar entitles you to one airline mile.

The United Mileage Plus Visa sets you off to a good start by awarding you 17,500 bonus miles upon activation. Some reviews of this card insist that you hold out for better offers that could reach well over 20,000 bonus miles. An extra 1000 miles can be obtained by signing up for the card online rather than over the phone. What's more, with an approved application come a discount travel certificate worth $25 and a one-class upgrade on a 1000 mile free ticket, one-way.

Every year, cardholders have the potential to earn up to 60000 airline miles, even more for those who are members of the premier class. In fact, the miles remain valid if the card stays active for three years. Thus, if you are flying often on United Airlines you should get this card as soon as you can.

On the other hand, if you are not a frequent traveler and are always late with making payments, you are then better off with other credit cards. This is as the APR for purchases with this card runs on a variable rate with the regular figure at a whopping 17.74%. Finance charges are tabulated on an average daily balance while late payment fees are relatively higher than most cards. While it is common to find a $39 fee for a late payment of $1000 or more, this card charges you the same fee for $250.