Most people don’t need an excuse to use a credit card and the various incentives like cash back, rewards and frequent-flier miles make using a credit card all the more tempting and finding the right credit card all that much more important.

An interesting article in the NY Times brings up some good point to help you gauge the real value of a frequent-flier credit card, noting that “it may make more sense to change the credit card you use, not the airline you fly.”

The article goes on to list some of the changes that airlines have recently implemented with regards to frequent-flier miles and then asks some questions for you to think about regarding your credit card usage and flying habits.  It ultimately points out that “if you’re a big spending frequent traveler and think the value is still there in trading miles for upgrades, you may want to keep collecting miles via credit card spending. If you’re ready to switch to a new primary credit card, however, here are three other types of rewards cards that will probably be most appealing.”