How to maximize credit card rewards? - Credit Card Rewards FAQ

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Credit Card Applications » Questions » FAQs » Credit Card Rewards » How to maximize credit card rewards?

How to maximize credit card rewards?

Answered on | Updated on August 5th, 2017
The content is accurate at the time of publication and is subject to change.

Here are some tips that will help you maximize credit card rewards:

  1. Never pay an annual fee. This rule is extremely important for those who do not put a lot on a credit card. An annual fee may eat all or part of your rewards. If you choose a credit card with an annual fee, make sure rewards will at least be able to cover it.
  2. Never carry a balance. If you carry some balance, it will accrue interest, and there is no such a rewards program that is able to cover interest payments.
  3. Earn bonus offers. It can be a sign-up bonus, annual or renewal bonus, or a credit card spend bonus. Whichever bonus is given, grab it!
  4. Enroll in categories. If you chose a credit card with changing categories, chances are you will need to enroll each time a category changes. Don’t miss the enrolment date!
  5. Shop online. Most credit card issuers have portals or online malls where you can earn additional rewards. Register at such a portal and start earning more.
  6. Refer a friend. Not many but still there are issuers that will give you rewards or some credits if you bring your friend who will get approved for a credit card. Such offers may not be advertised openly, so it is worth making a search.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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