Credit Card Points


ADVERTISING DISCLOSURE: is an independent, advertising-supported web site. receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.

Credit Card Points

Updated: May 28, 2019

The content is accurate at the time of publication and is subject to change.

Guess how a bank copes with keeping its loyal and most profitable customers. When the crisis is "booming" and issuers are rolling back extra benefits and low APRs, the availability of 0% balance transfers allows for an easy change of the card provider. No one wants to lose a good risk customer and a bank solves this issue through maintaining and consistently enhancing credit card rewards programs. Points are recognized as the most popular reward type for delivering many more earning and redeeming opportunities. That is simple. When you earn cash rebates, there are only a few options to avail of - get the earnings in a check, gift certificate or direct deposit to your balance or checking/saving account.

Picking credit card points, you have a lot to choose from - redeem them for travel rewards, hotel stays, car rentals, cash, gas and lots of brand-name merchandise. Besides, collecting rewards points is most frequently not subject to merchant restrictions, limitations and expiration dates.

It sounds good, but in practice many users of point rewards or any other rewards credit cards have no idea how to make actual benefit off them. If you're currently holding a point rewards plastic or planning to apply online for one, learn these tips on maximizing the profit.

First, pay attention to where and how often you're going to use your card. It will help determine which type of points rewards is best to go with. Points can be earned on almost all purchases but most awarding are those offered on participating merchants: affiliated airlines, gas stations, hotels or specified retailers. Decide based on where you spend most. Say, if you're a frequent traveler, using your points rewards plastic to book flights will bring you a much greater amount of points than using it to pay for dinners or buy clothes. So you achieve the eligible amount of rewards faster to redeem them for free travel or seat upgrades. That is a rational use of a point rewards credit card.

You can sign up for a point rewards program not affiliated with any certain products and service provider. Such programs are available on some Capital One no hassle point(OFFER EXPIRED) offers which provides 5 points earning opportunities at all grocery stores, drug stores and gas stations. 1 point is also earned on all other purchases made with the card. No limit to the points earned and no expiration dates apply to accounts open and in good standing. Make use of such credit card applications if you do not have definite spending priorities.

To ensure you earn and redeem points, pay balances in full each month. The tendency of carrying a higher than average APR among rewards cards continues so it would not be wise to end up paying more to the bank than receiving from it. Also, shopping for a point credit card online, choose one with no annual fee to reduce the card maintenance costs to minimum. Mind these tips as you apply online and you're guaranteed a really unforgettable spending experience.

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.
Add to Favorites:
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.

Related Research:

Top 5 Secured Credit Cards: January 2021 – Experts’ Choice

Top 5 Secured Credit Cards: January 2021 – Experts’ Choice

Posted: October 22, 2020

The COVID-19 pandemic has made significant changes not only in people’s lives and their financial standing but also in the entire financial sector of the U.S. We have collected the best secured card offers from our partners so that you can… Continue reading

Credit Card Tips For Holiday Shopping 2020

Credit Card Tips For Holiday Shopping 2020

Posted: October 15, 2020

November and December are the busiest months as gift shopping reaches its peak. People rush around looking for the best gifts and the best deals leaving a lot of money in the shops. Holiday season may force you to go over the household… Continue reading

Top 5 Soft Pull Credit Cards: January 2021 – Experts’ Choice

Top 5 Soft Pull Credit Cards: January 2021 – Experts’ Choice

Posted: June 3, 2020

When applying for a credit card, you definitely don’t want your credit score to go down. Here, you will find the best credit cards with a soft pull from our partners. An application for such cards won’t make changes to your credit history… Continue reading

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!