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How to Maximize Your Rewards from Credit Cards

There are many credit cards that provide different rewards including travel miles and gift cards. Knowing how rewards work is essential for you to truly maximize the experience and benefits of your credit card.

Choose the Right Rewards Credit Card for You

Different credit cards offer different rewards. For example, some credit cards will match your spending in travel miles. Owning a credit card like this will be great for you if you like to travel frequently.

Another example would be is if you are a college student and you spend a lot of money on gas and groceries. Having a credit card that allows you to earn cash back for groceries or travel miles for gas will be the most beneficial for you.

Use the Right Card for The Right Purchase

To maximize the amount of rewards you receive from your purchases, you should have multiple credit cards that offer rewards. For example, if you have a credit card that offers 5% cash back on groceries, make sure to use that card at the grocery store. Another card may offer extra reward points for gas, so use that card when you need to refill your car.

Keep in mind that it is generally not recommended to open too many different credit cards in a short time period. You need to also remember to pay off all of your different credit cards. Use automatic payment to make sure that you do not miss a payment.

Use Your Rewards Card for Monthly Expenses

Using your credit card on monthly expenses will steadily build reward points. These purchases are recurring, and sooner than you know it, you will have a large amount of rewards points built up.

Use Your Credit Card for Big Purchases

If you need to make a large purchase or payment such as apartment rent or tuition, use your credit card and collect a lot of rewards points. Just remember to not go over your credit limit when making big purchases. And of course, you should always remember to pay your credit card balance off as much  and avoid interest from accruing.


For your regular and essential purchases, use a credit card that offers rewards to be compensated with cash back, travel miles, or other rewards. Many credit card holders make purchases with credit for this reason. While you are earning your rewards, simply remember to pay off your outstanding balance to build a stronger credit score.

In the next article, learn more about Expanding Your Credit Card Portfolio


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