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Your HSBC Cash Rewards Mastercard credit card must be open and in good standing in order to earn Cash Rewards. Someone with no credit is typically someone who is just starting out, either as a young adult or someone new to the country. Are you going to be flying out of DCA, IAD, or BWI. I thought that consulting these boards to help suss out the difference between theory and practice was part of "doing the legwork," so apologies if I've placed too much of my planning burden on you all. As a long time amex fan, will I regret this move or is it just a simple credit card, who cares. Right before purchasing anything just ask yourself the following question and try to find the true answer: Would I buy it if I had to pay cash for it. These monetary give somebody an advance of generally categorized in to suitably secured and insecure selection. Do you understand the power of credit cards and know how to use them to your advantage.
Avios seems good because it's convertible between BA, Aer Lingus, Iberia and Vueling, provided you have been a member of the Iberia frequent flyer programme for more than 90 days.