How to Make The Best Credit Cards With Rewards Work for You
The best credit cards with rewards certainly encourages some people to pick up the tab. We all know at least one guy who always whips out his credit card to pay for the full lunch bill, while asking everyone else to pay him back with cash. He says it makes it more convenient for the server to only have one bill. How generous.
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At other more savvy tables, you’ve got the dueling payers. Each one wants to put the bill on his or her rewards credit card: “Let me get it.”
“No, allow me.”
Ah, the beauty of points – points being the credit card rewards. You see — as most of us have twigged on to — each time you make a payment using your credit card with a rewards system, you get points.
What do Credit Points Buy?
Credit card points can buy anything from trips, gift certificates, cash rebates, charitable donations, and all manner of consumer goods and price discounts are available with credit card reward points. Even free hemming at certain high-end department stores and extended warranties for electronics are up for grabs.
Credit card rewards programs are becoming big draws these days as companies offer customers an incentive to use their cards. Many people shop specifically for the best credit cards with rewards.
Tips on Being Rewards Credit Card Savvy
Making rewards credit card systems work for you just requires a little bit of planning.
Of course, the number one rule to remember is to use your card whenever you can. Pay off your monthly bills with your credit card, and put any purchases you make on plastic rather than cash or debit. Just make sure you pay off your balance each month.
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Alternatively, if you’re looking to transfer a balance and hold off on interest payments, you can get 0 balance transfer credit cards (very popular).
To get the best benefits out of credit card rewards programs, shore up points in the same program as much as possible. Stick to one program as much as you can, and you’ll maximize the benefits.
Find out whether you can transfer points between programs – some programs do offer this. This can be a real advantage since it’s always better to have a number of points in one program, rather than spread out.
Make sure you’re using a card that offers you incentives you actually want. There’s no sense in getting point-hungry for travel points if you don’t like traveling. Or for clothing gift certificates if you just prefer to wear your old jeans and t-shirts. If you’re looking for cash rebates, make sure the returns are worth it. Be smart about the program you sign up for.
Carry around another credit card with your second choice of reward program in case a merchant doesn’t accept your first kind of card. Make sure you maximize every payment situation you encounter.
Doing all the above will soon have you counting up your credit card points and anticipating collecting on them. Once you’ve collected enough points on your credit card, you’ll be well on your way on a trip or a shopping splurge, or just happy that there’s extra money in the bank. You’ll wonder why everybody doesn’t sign up for credit card rewards.
So the next time you’re out for lunch, be the person who pulls out your credit card and says: “I’ll put it on my card.”
Just make sure to collect from your fellow diners — and to tip your server. After all, even though it helps your server to only process one card, you’ll thank them for being on your way to scoring some points on your rewards credit card.