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What is most important to you in a frequent flyer program (FFP). We both average about 20K miles a year so getting a good cash back on gas was important. Alaska Lounge access is the ne plus ultra, that doesn't seem terrible to me. 16 p. Look for a hkuse back card with a rewards structure that fits your spending patterns. Penalties and fees are usually placed on top of late credit bills, and these can build up over time. Car insurance companies are not the only companies looking for applicants who have a high credit score. You should expect several things from the applying. I know in America they have an app called Robinhood that makes buying stock really easy but it isn't available in this country. They could include hotels in their partnerships, too, which would help you earn more miles.