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-issued credit cards earn points that can be converted to miles in one or more of those programs; there are a couple of credit cards that earn miles directly in those programs. Credit cards for no credit offer high approval odds to people with limited credit history, even if youвre a total newcomer with no borrowing experience. Not many secured cards have this feature, but if they do, itвs a good option to have. A good friend of mine has 3MM on United. Iвve heard you can get a credit card with no conversion fees but I canвt find any such card. There are of course exceptions such as cash atiga.