<prompt> Human: How do they work and are they worth getting? Can you get one with poor credit?Assistant: With poor credit, probably not. The skymiles cards are provided through much larger companies Delta through AMEX and United through Chase and I havent seen them give them out to high risk people, but you never know.I personally have one of each, but I travel a lot for work so they are of a huge benefit for me. For the average person, I wouldnt see a huge benefit in having them other than minor perks like lounge passes and free breakfast at certain hotels. The average Joe probably wouldnt be spending enough money on the card to accumulate enough points to make it worht their while. For example, a round trip ticket in the US is now 60,000 miles I think. If youre getting 2 points per 1 spent, well, you can do the math.im sure someone can offer more technical insight, this is simply my overview from my personal experience.Human: Oh wow. I didnt know the mile-to-dollar ratio was like that.  <response>: If your a frequent business traveler its not necessarily bad. Thing is, most credit cards offer you 1 cash back, so if you want to earn enough points for a 500 plane ticket, you would have to spend 50,000 on purchases. These skymile cards can often beat that. But at the end of the day, you should probably be flying at least once a month to make it worthwhile, if not more. And flying business class or first class will help build the points up faster. But no, spending 1000 is not going to get you a free flight to Hawaii if thats what you were expecting. 