Reward Credit Cards - Leverage Your Spending
Below is a MRR and PLR article in category Finance -> subcategory Credit.
Reward Credit Cards: Maximize Your Spending Benefits
Summary
Learn how to make the most of your reward credit cards and maximize your perks.Keywords
Reward Credit Cards, Best Reward Credit Cards---
Reward credit cards offer valuable perks, particularly for those who pay off their balance in full each month. By strategically using your card for both large purchases and everyday expenses, you can significantly boost the rewards you earn. Here are some tips to help you maximize those benefits.
Tip #1: Use a Companion Card
If you’re married, consider requesting an additional card for your spouse on your reward credit card account, and vice versa. This strategy doubles the potential for earning rewards, as both of you will be contributing to the same account through your purchases.
Tip #2: Pay Bills with Your Card
Monthly bills like gas, electricity, phone services, internet, and cable can be automatically billed to your reward credit card. This not only simplifies your payments into one monthly transaction but also enhances your reward points. For other occasional expenses, like medical bills, using your card can further increase your rewards.
Before using your card for bill payments, ensure there are no added convenience fees from the service providers. If fees are present, it might be more economical to pay by another method, as these charges could outweigh the rewards.
Tip #3: Grocery Purchases
Groceries are a major monthly expense. Instead of using cash, checks, or debit cards, use your reward credit card to pay for groceries. Then, apply the amount you would have spent directly to your credit card bill, allowing you to accumulate more rewards with purchases you’re already making.
Tip #4: Housing Expenses
Surprisingly, many mortgage companies and apartment management firms accept credit card payments for rent or mortgages. Charging these significant expenses to your reward card can substantially increase your points or cash back. Just be sure to pay off the balance by the end of the billing cycle to avoid high interest charges that could offset your rewards.
Conclusion
To truly benefit from reward credit cards, aim to use them for as many of your expenses as possible. Review your monthly expenditures and determine where you can use your card to earn rewards without incurring extra fees. By doing so, you can streamline payments and maximize the benefits you receive.
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