![dek](https://content.time.com/time/photoessays/2009/top50_travel_tips/top_travel_plan_spend_credt.jpg)
If you're the type of person who actually pays off his credit-card bill on time and in full, get a card that's affiliated with an airline or hotel you like. The first-purchase bonuses alone usually translate into a free domestic flight or a night's hotel stay. After you get your freebie, you can continue generating loyalty points by spending with the card but take a moment to evaluate whether the payoffs are worth the high APRs and annual fee.