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Do you get tired of your credit card simply sitting there gathering dust? Are you ready to put that little piece of plastic up to good use as a weapon for free travel, epic deals and a skyrocketing lifestyle upgrade? Buttercup, buckle up cuz we’re about to drop all the inside information you need to be a credit card ninja.
Double Dip Your Rewards, Baby
So why not earn points with one card and get rewarded the pro way? Strategically putting together cards will help you earn the most points and cashback every time you spend. Take one card for getting those airline miles, another for cashback on groceries and gas. It feels like having your cake and eating it too — but with a lot more reward.
Welcome Bonus Mania: Get That Money, Honey
They are practically giving you money by the size of the sign up bonus. This is literally hundreds of dollars of cash back, or enough points for a free flight. But here’s the secret: You can totally get those bonuses without getting buried in debt. If you’re just making sure to meet the spending requirements, pay your bill on time and ALWAYS read the fine print then it’s fine.
Secret Portals: Your Gateway to Bonus Points
What if you got extra points for shopping on the web? Doesn’t that sound too good to be true? Well, it’s not! But if you’re using credit cards, these hidden portals have hidden bonus points that you can earn off of purchases you were already going to make — which is nice. Whether you’re looking for a new pair of shoes, or that fancy espresso machine you’ve been eyeballing, shopping through these portals is basically like getting free money. Â
1. How to maximize your credit card rewards with shopping portals – Bankrat
Bonus Categories Unleashed: It’s All About Timing
There are bonus categories for each credit card, e.g. dining, travel, gas. Instead of collecting rewards when you don’t need them, you can strategically use the right card for the right purchase and really start to rack up the rewards. And watch those rotating categories – plan to spend accordingly. All the credit card Tetris, but with a thousand times better prizes.
Hidden Perks: The Stuff of Legends
Did you know that when purchasing a credit card it often came with travel insurance, extended warranties, or even access to exclusive events? Yep, based on these little pieces of plastic, there are a few hidden perks that will save you a ton of money and make your life so much easier. Take some time and dig into the benefits of your card and you’ll see you have all that free stuff available to you!
Don’t Be a Rookie: Avoid These Costly Mistakes
Before you go on a credit card spending spree at this time of the year, it’s good to read the rules of the game. Not paying your bill on time, maxing out your credit limit or applying for far too many cards at once can easily damage your credit score. Take advantage of the goodwill of credit card companies, but use it responsibly and keep track of how you’re spending.
1. Should You Apply for Multiple Credit Cards at the Same Time? – NerdWallet
Level Up Your Credit Card Game
With these credit card hacks you’ve got nothing to lose but your debt. If you’re strategic, considerate, and even just a wee bit sneaky, your credit card can make you the ultimate financial sidekick. So go forth and conquer!
