Frequent flyer miles are poorly named. Without ever setting foot in an airplane, perhaps without ever leaving your house, and really, just for doing stuff you already do, you can become an actual miles millionaire. Becoming a miles millionaire, much like becoming a real millionaire has some real perks, unlocking the best travel experiences imaginable for free, and there's no faster way to join the (miles) millionaire club than adding a travel rewards credit card to your arsenal. Here's why it's not so scary and why you should really jump in...

Credit Cards Aren't Scary If You Use Them Wisely...

People freak out about the idea of annual fees, interest and all the other things associated with a card. That's understandable, but if you use your credit card like a debit card, only buying things you'd buy with cash in hand, never over extending and paying in full each month you never pay interest. Not a cent. That also means that since you're covering things you'd buy anyway, spending whatever it takes to get the bonus is not a burden, but an opportunity. If you use the benefits which travel rewards cards offer you'll also come out far ahead on any annual fees. In fact, you can save a fortune with the benefits from some cards...

Points Have Real Value, Arbitrage Adds Value...

All points have a value which can be roughly equated in cash. They are NEVER worth nothing and though it would not be maximizing, you can actually use them for cash. If you take it to the next level and learn the proper thought process for using and maximizing points, transferring them to airline or hotel partners, you can really stretch their value and travel in insane style. 100,000 points can be worth as little as $600 and as much as $12,000. It all depends how you use them. Fortunately, there are endless free resources on the internet (this is one of them) which will guide you!

Benefits Really Can Save Money If You Use Them...

People laugh at the idea of paying a $450 annual fee for a credit card. Sure, if you don't travel that's CRAZY! If you do travel, it's just smart. Things like lounge access, fourth night free on hotels, travel insurance, hotel elite status and other perks equate to real savings. If you use a fourth night free benefit a couple times you've already made up the $450 annual fee. If you then use an airport lounge for free, even bringing a friend, you're coming out ahead. Keep repeating, even more so! 

Basically, Get In The Rewards Card Game...

It doesn't matter which card you get, why you get it, but no matter what, get a rewards card. Maintain healthy credit, learn how to unlock maximum value, and start by checking out a few of the very best cards. A sign up bonus is often enough for a free flight or hotel night, perhaps even more, and if you maximize category bonuses, you'll find yourself with a bountiful points balance in no time!