How to Maximize Rewards Points On Your Credit Card


Credit cards have made payments much more comfortable. Of course, it has become an essential thing in our pockets. These credit cards are handy if used properly and wisely. The most attractive feature of credit cards is reward points. In simple words, reward points are rewards you get for every dollar spent using a credit card. The more you spend, the more rewards you get. The rewards can be redeemed in the form of money, gifts, or vouchers, depending on the reward points’ terms and conditions. You can also buy fuel, flight tickets, and more using these points.

Credit Card Rewards Points
Senior woman on a shopping spree standing at a clothing store looking at credit card smiling very happy

Here are Top Ways to Maximize Rewards Points On Your Credit Card

Pick The Best Cards with Awesome Rewards

First, choose the best credit card that is suitable for your spending habits. Credit cards give reward points for almost all purchases. But different credit cards offer different reward points. Some credit cards offer more reward points for the same purchase as compared to other credit cards. Some credit cards offer more reward points for online shopping, fuel payment, dining, etc.

If you do more online shopping, choose a credit card that gives high reward points for online shopping transactions. If your fuel usage is high, get a suitable credit card offering high reward points for fuel payments. When getting a credit card, you need to understand the structure of its reward points so that you can gain the most out of it. Therefore, selecting a suitable credit card is crucial to maximizing reward points.

There are so many credit card companies that offer bonus reward points when you first sign up with them. Just go through the bonus points offered by various credit cards that can provide more reward points to you. This is a hefty incentive in a few cases, but bonus reward points in your reward points account will help you decide which credit card is best for you.

Use Your Credit Card Online As Well

If you participate in online payments more than offline payments, use a credit card for online payments to earn more reward points. Use credit cards for large purchases like flight tickets, groceries, online shopping, etc. Spending money with a credit card for large purchases brings more reward points. Many credit card companies offer a large number of reward points when utility bills are paid with them. The main goal is to use credit cards for all your daily and regular expenses to give you more reward points.

Ensure all the major payments or transactions are done using your credit card. Make all major payments using a single card. Major purchases include paying for electronic items, home décor, tuition fee payments, etc. A large number of reward points can be earned this way. Even if you have multiple credit cards, make sure to organize them.

Literally, Use Your Credit Card Every time You Pay for Something

Use one credit card for all fuel payments, another for regular purchases, and so on. Multiple credit cardholders can also earn higher reward points if you use them wisely. You would be very happy looking at the reward points you earned at the end of the month. Redeem these reward points for other purchases and payments.

Pay using your Credit Cards:

  • Gas
  • Groceries
  • Online Shopping
  • Mobile Games

Another way to earn reward points is by using credit cards to top-up mobile wallets, for example, Paytm. Since mobile top-ups are necessary, using a credit card for that will help you gain more reward points and allow you to live your casual life without making any additional purchases just for the sake of receiving reward points. Just make sure you read these common credit card scams to avoid getting scammed.

Take Note of Special Brand Items or Products that have a Partnership with your Credit Card

Online shopping is something that can’t be ignored. Credit card issuers usually have a list of retailers that are partnered with them. Online shopping not only saves you time but also increases your points.

Some of them offers up to 2x more points when you buy the product partnered with your credit card. Pro-tip Travel points are way better and more points you will get.

Use your Credit Card For Business Expenses

Use your credit card for business expenses is another way to maximize rewards points on your credit card. It is difficult to reach the target limit that is the minimum amount to be spent using your credit card to earn reward points. So, use it for work and business bookings for you as well as your team. Give add-on cards if your team needs to travel. All of these will help you to increase the points.

Use with for paying Mortgage and Other High Costs Items

The more money you spend using your credit card the more points you will gather from it. Paying your mortgage loan with your credit card is not a bad idea. Paying a debt with debt is not bad at all as long as you can pay them on time. The idea is you will get more points from doing this process.

Use your credit card when you buy a car, a home, a boat, appliances, jewelries. Like everything that offers CC to pay. Don’t let it past. The more you use your credit card the more points you will get.

Cashback and Rewards Points

Credit cards also offer reward points in the form of cashback. Generally, they will be in the 5-25% range for the amount spent. The cashback amount will be mentioned explicitly in the agreement for a certain spending category. The term cashback itself makes you understand that the award is some cash. You have the liability to use this cashback for your future purchases or can use it for your credit card bill. If you use a credit card smartly, then the cashback can be a money-saving tool for you.

As you are well aware, that a credit card lets you redeem reward points for various purposes. Redeemed reward points can be used to buy flight tickets or gifts located in the rewards catalog. These gifts are available in various categories such as travel, lifestyle, shopping, dining, flight tickets, and more. For example, you can accumulate or gather all the earned points to buy your favorite pair of shoes or a watch or any accessories. This is a very smart and intelligent way of using reward points because you can plan how you spend the reward points for a specific purpose. The reward points can be used to buy your favorite items.

Personal Thought

And that how you maximize rewards points on your credit card tips from a pro. Reward points entirely depend on the way you use your credit card. Reward points attract the credit card users to spend more using the card. This could result in debts. Spending more than necessary by using a credit card will eventually leave you in debt. So, do not do any impulsive spending and get carried away.

Ensure to pay the credit card bill on time, on or before the due date. It is never smart and not a good idea to clear the credit card bill after the due date. Also, make the complete payment, rather than making a minimum payment.

Smart usage of credit cards is a very effective way to rack up reward points. But, always keep in mind to pay off the entire amount when you do.


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