4 Clever Ways To Use Credit Card Loyalty Points To Save Money

Many credit cards offer a points system for their cardholders, in which you can acquire points for certain dollar amounts spent. These points can be used for a variety of services and products, depending on the company. Some companies offer cash back, airline miles, or other rewards. But how can you use those points to actually save money? Here are four clever ways to do so.

1. Gift Cards

There are many credit cards which allow you to trade in your points for gift cards to various retailers, which can be a great strategy for saving yourself money in the long run. You’ll be spending money with your card, and for every dollar amount you spend (depending on the card), you’ll acquire so many points; which you can then convert into what is essentially extra money.

Your card will probably require something like 25,000 points for a $25 gift card, so the spending threshold is rather high; but if you use your card regularly anyway, you’ll just be doing what you’d normally do while racking up those points towards a gift card.

You can redeem your gift card for things like gas, groceries, electronics, and more. All you need to do is actually spend money on your credit card, and you’ll eventually be rewarded with a gift card that you could use on your next shopping trip or gas fill up.

2. Airline Miles or Tickets

We all know airfare can add up quickly, especially if you’d rather not travel in coach. An airline ticket can cost anywhere from a few hundred dollars into the thousands of dollars, depending on your destination, layovers, and the time of year.

Many credit card companies offer airline miles or tickets as a reward for accumulating so many points. This is a great way to save money on travel expenses. If you’re already using your card regularly anyway, you can start to acquire airline miles or tickets and thus save hundreds in ticket fees and booking.

If you have any big travel plans, you can start purchasing all of your travel needs and even booking the hotel early on with your credit card. That way, you’ll acquire those points you need to save some money on the flight, and therefore on the overall trip.

If you’re not redeeming your airline miles, you might want to consider doing so. This is one of the best benefits that a credit card can offer, and those miles are going to waste just sitting in your account. Don’t forget about them!

3. Member Only Vouchers and Discounts

If you’re a store credit card member, don’t delete those promotional emails for member-only sales and discounts. This is one of the many advantages of having a store card. You’ll get early access to specific sales and even better promotional prices than a non-member. The more points you acquire, the better the deals get and you’ll receive much better vouchers. Some retailer cards have a cap, however, so be aware of the terms of your card.

Stores like Nordstrom offer the cardholder special early access to their anniversary sale, as well as member-only invites to events and in-home tailoring. These are just a few of the many benefits, but the point is that store cards offer something extra for their members to help them save money. A full Nordstrom credit card review can be found here.

Many store cards let you trade in your loyalty points for store vouchers that you can use to save money on your next purchase. Not only are you getting promotional member-specific prices, but you’ll acquire points that you can redeem for store vouchers. That’s why store cards can be excellent assets to shoppers.

4. Use Your Card For Monthly Expenses To Maximize Your Points

Instead of using your credit card solely for shopping, you can use it for monthly expenses such as gas for your vehicle, utility or grocery bills, and other miscellaneous expenses. This can help you acquire a lot of points quickly, and if you keep your balance paid, those points will eventually become very valuable.

The idea is to get a card that’s tailored to your type of spending, so whether you’re a frequent shopper or just trying to build up your credit, the card you choose should match those needs. That way you’ll maximize your points so you can redeem them for great rewards.

If you own a business credit card, you can use the card for expenses like office supplies and materials and maximize those points very quickly. Many business cards have business-specific rewards, so you may even be able to redeem them for items like those same office supplies.

Be Careful With Your Spending

Just because your card can accumulate points doesn’t mean you should spend it just to acquire those points. It’s important to remember to spend only what you are able to pay back, as late fees and interest add up quickly and can put you underwater if you’re not careful.

Check Your Points Often

Chances are your credit card company has an online account manager of some sort where you can check the status of your account and the number of points you’ve accumulated. Try to check in on your points so you’ll know exactly what you’re working towards and how long it will be before you get there.

191 COMMENTS

  1. What i don’t realize is in fact how you are now not really a lot
    more well-liked than you might be now. You’re very intelligent.
    You realize thus considerably on the subject of this
    matter, made me individually consider it from a lot of varied angles.
    Its like men and women aren’t interested unless it’s one thing to accomplish with Lady gaga!
    Your personal stuffs great. Always maintain it up!

  2. Hey There. I found your blog using msn. This is a really well written article.
    I’ll be sure to bookmark it and return to read more of your useful information. Thanks for the post.
    I will definitely comeback.

  3. Awesome site you have here but I was wanting to know if you knew of any community forums that cover the
    same topics discussed in this article? I’d really love to be a part of community where
    I can get feed-back from other experienced individuals that share the same
    interest. If you have any recommendations, please let me know.

    Cheers!

  4. wonderful submit, very informative. I ponder why the opposite specialists of this sector do not understand this.

    You should proceed your writing. I am sure, you have a huge readers’ base already!

  5. I’m not sure where you are getting your info, but good topic.
    I needs to spend some time learning much more or understanding more.

    Thanks for magnificent information I was looking for this info
    for my mission.

  6. I believe that is one of the so much vital information for me.
    And i am happy studying your article. But wanna remark on some
    basic things, The web site taste is great, the articles
    is truly excellent : D. Good job, cheers

  7. 826335 930569This design is steller! You obviously know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own weblog (effectively, almostHaHa!) Great job. I genuinely enjoyed what you had to say, and far more than that, how you presented it. Too cool! 913164

  8. Hey! This post could not be written any better! Reading this post reminds me of my good old room mate! He always kept chatting about this. I will forward this write-up to him. Pretty sure he will have a good read. Thank you for sharing!

  9. 728622 46705Youre so cool! I dont suppose Ive learn anything like this before. So nice to uncover any person with some authentic thoughts on this subject. realy thank you for starting this up. this web site is something that is wanted on the internet, someone with a little bit originality. beneficial job for bringing something new towards the internet! 92628

  10. What’s Happening i’m new to this, I stumbled upon this I’ve found It positively useful and it has helped me out loads. I hope to contribute & assist other users like its helped me. Good job.

  11. Thank you for another wonderful post. Where else could anybody get that kind of info in such a perfect way of writing? I’ve a presentation next week, and I’m on the look for such info.

  12. I feel this is among the so much vital information for me. And i am glad studying your article. But want to remark on few general issues, The site taste is great, the articles is really excellent : D. Good activity, cheers

  13. Simply want to say your article is as astonishing. The clarity in your post is simply cool and i could assume you are an expert on this subject. Well with your permission let me to grab your feed to keep up to date with forthcoming post. Thanks a million and please keep up the gratifying work.

  14. Its like you read my mind! You appear to know so much about this, like you wrote the book in it or something. I think that you could do with a few pics to drive the message home a bit, but instead of that, this is great blog. An excellent read. I will definitely be back.

  15. This is the correct blog for anybody who needs to seek out out about this topic. You understand so much its nearly arduous to argue with you (not that I truly would need…HaHa). You definitely put a brand new spin on a topic thats been written about for years. Great stuff, simply great!

  16. Definitely believe that which you said. Your favorite reason seemed to be on the net the simplest thing to be aware of. I say to you, I certainly get irked while people consider worries that they just do not know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people can take a signal. Will likely be back to get more. Thanks

  17. I wish to convey my admiration for your kind-heartedness supporting persons who require guidance on that study. Your personal commitment to passing the message up and down became rather invaluable and have in most cases made those just like me to achieve their targets. Your entire valuable recommendations indicates a lot to me and much more to my mates. Thanks a lot; from everyone of us.

  18. I’m really impressed together with your writing abilities as well as with the format to your weblog. Is that this a paid theme or did you customize it your self? Either way stay up the nice quality writing, it is uncommon to look a great blog like this one nowadays..

  19. naturally like your website but you have to check the spelling on several of your posts. Many of them are rife with spelling issues and I find it very troublesome to tell the truth nevertheless I will definitely come back again.

  20. Hey just wanted to give you a quick heads up. The words in your content seem to be running off the screen in Internet explorer. I’m not sure if this is a formatting issue or something to do with browser compatibility but I thought I’d post to let you know. The design look great though! Hope you get the problem solved soon. Kudos

  21. I’m curious to find out what blog system you are working with? I’m having some minor security problems with my latest website and I would like to find something more secure. Do you have any suggestions?

  22. 730638 580848Some times its a discomfort inside the ass to read what people wrote but this internet internet site is very user friendly ! . 913985

  23. Undeniably believe that which you said. Your favorite reason appeared to be on the internet the easiest thing to be
    aware of. I say to you, I definitely get irked while people think about worries that they just do not know about.
    You managed to hit the nail upon the top
    as well as defined out the whole thing without having side-effects ,
    people can take a signal. Will likely be back to get
    more. Thanks

  24. After looking at a few of the articles on your web page, I honestly appreciate your
    way of writing a blog. I saved it to my bookmark webpage
    list and will be checking back soon. Please visit my website too and let me know what you
    think.

  25. Hello! I know this is kind of off topic but I was
    wondering if you knew where I could get a captcha
    plugin for my comment form? I’m using the same blog platform as yours and I’m having
    trouble finding one? Thanks a lot!

  26. Hello, i think that i saw you visited my web site thus i came
    to “return the favor”.I’m trying to find things to enhance my web site!I suppose
    its ok to use a few of your ideas!! natalielise plenty of fish

  27. Having read this I thought it was very enlightening.

    I appreciate you finding the time and effort to put this informative article together.

    I once again find myself personally spending a lot of time both reading and posting comments.
    But so what, it was still worthwhile! natalielise pof

  28. Having read this I thought it was extremely enlightening.

    I appreciate you spending some time and effort to put
    this short article together. I once again find myself personally spending way
    too much time both reading and commenting.
    But so what, it was still worth it!

  29. I’m not sure why but this site is loading incredibly slow for me.
    Is anyone else having this issue or is it a issue on my end?
    I’ll check back later on and see if the problem still exists.

  30. Great post. I was checking continuously this blog and I’m impressed!
    Very useful info specifically the last part :) I care for such info a lot.
    I was seeking this certain information for a very
    long time. Thank you and best of luck.

  31. This is really interesting, You are a very skilled blogger.
    I’ve joined your rss feed and look forward to seeking more of your
    fantastic post. Also, I’ve shared your website in my social networks!

  32. Excellent post. I was checking constantly this blog and I am impressed!
    Very helpful info specifically the last part :
    ) I care for such info much. I was seeking this particular info for a long time.
    Thank you and best of luck.

  33. Hello There. I found your blog the usage of msn. This is a very smartly written article. I’ll be sure to bookmark it and come back to learn more of your useful info. Thanks for the post. I will definitely comeback.|

  34. Hello there! Do you know if they make any plugins to assist with SEO? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good results. If you know of any please share. Thank you!|

  35. Hey! I understand this is somewhat off-topic but I needed to ask. Does operating a well-established website like yours take a large amount of work? I am brand new to blogging but I do write in my diary every day. I’d like to start a blog so I will be able to share my own experience and views online. Please let me know if you have any suggestions or tips for brand new aspiring blog owners. Thankyou!|

  36. You actually make it seem really easy together with your presentation however I find this topic to
    be really something that I think I might never understand.
    It seems too complicated and very broad for me.
    I’m having a look ahead on your subsequent submit,
    I’ll attempt to get the cling of it!

  37. Hello There. I found your weblog the usage of msn. This is a really well written article.
    I will make sure to bookmark it and return to learn more of your useful information. Thanks
    for the post. I’ll certainly comeback.

  38. I was just seeking this info for some time. After six hours of continuous Googleing,
    finally I got it in your site. I wonder what is the lack of Google strategy that don’t rank this type of informative web
    sites in top of the list. Usually the top sites
    are full of garbage.

  39. Hi there, just become alert to your blog thru Google, and found that it is really informative. I’m gonna watch out for brussels. I’ll appreciate in the event you continue this in future. A lot of other people can be benefited from your writing. Cheers!|

  40. I’m impressed, I must say. Seldom do I come across a blog that’s equally educative and entertaining, and let me tell you, you have hit the nail on the head. The problem is something not enough folks are speaking intelligently about. I am very happy I came across this during my hunt for something regarding this.|

  41. Heya i am for the primary time here. I came across this board and I in finding It really helpful & it helped me out a lot. I hope to present one thing again and help others such as you aided me.|

  42. What i do not realize is in reality how you are now not really
    much more smartly-liked than you may be now. You’re very intelligent.

    You already know therefore considerably on the subject
    of this topic, produced me personally consider it from so many varied angles.
    Its like men and women aren’t involved until it’s one thing to accomplish with
    Woman gaga! Your individual stuffs outstanding. Always handle it up!

  43. Have you ever considered creating an ebook or guest authoring on other websites?
    I have a blog centered on the same topics you discuss and would love to have you share some stories/information. I know my readers would appreciate your work.
    If you’re even remotely interested, feel free to send me an e mail.

  44. I was just looking for this info for a while. After 6 hours of continuous Googleing, finally I
    got it in your website. I wonder what’s the lack of Google strategy that do
    not rank this kind of informative websites in top of
    the list. Normally the top websites are full of
    garbage.

  45. I loved as much as you’ll receive carried out right here.
    The sketch is tasteful, your authored subject matter stylish.
    nonetheless, you command get got an edginess over that you wish be delivering
    the following. unwell unquestionably come more formerly again as exactly the same nearly very often inside case
    you shield this hike.

  46. Keep up the excellent piece of work, I read few content on this web site
    and I believe that your website is real interesting and has sets
    of wonderful info.

  47. Terrific work! That is the type of info that should be shared across the internet.
    Disgrace on the search engines for not positioning this post upper!
    Come on over and discuss with my web site . Thank you =)

  48. I believe what you composed made a bunch of sense. But, think
    on this, suppose you were to write a awesome post title?

    I mean, I don’t wish to tell you how to run your website,
    however suppose you added a title to maybe get people’s attention? I
    mean 4 Clever Ways To Use Credit Card Loyalty Points To Save Money | Project Eve is
    kinda boring. You ought to glance at Yahoo’s home page and watch how they create news titles to get viewers to
    open the links. You might try adding a video or a related picture or two to
    grab readers excited about what you’ve got to say. In my opinion,
    it might make your blog a little bit more interesting.

  49. I liked up to you’ll receive performed proper here.
    The cartoon is tasteful, your authored subject matter
    stylish. nonetheless, you command get bought an edginess
    over that you wish be delivering the following. sick unquestionably
    come more earlier once more as exactly the same just
    about a lot frequently inside case you shield this hike.

  50. Hello, i believe that i saw you visited my blog thus i got here to return the choose?.I am trying to to find issues to improve my website!I suppose its ok to use a few of your concepts!!|

  51. Hi there! I could have sworn I’ve been to this website before but after reading through some of the post I realized it’s new to me. Anyways, I’m definitely glad I found it and I’ll be book-marking and checking back often!|

  52. Hello! I’m at work surfing around your blog from my new iphone 3gs! Just wanted to say I love reading through your blog and look forward to all your posts! Carry on the fantastic work!|

  53. Hi, Neat post. There’s a problem along with your website in web explorer, might check this? IE still is the marketplace leader and a large component of people will pass over your great writing because of this problem.|

  54. I believe everything published was very reasonable.
    But, what about this? what if you were to write a killer headline?
    I mean, I don’t wish to tell you how to run your website, however what if you added something to
    maybe get folk’s attention? I mean 4 Clever
    Ways To Use Credit Card Loyalty Points To Save
    Money | Project Eve is a little boring. You might peek at Yahoo’s home page and watch how they create post
    titles to grab viewers to open the links. You might add a related video or a pic or two to get people excited
    about everything’ve written. Just my opinion, it would make your posts a little livelier.

  55. Please let me know if you’re looking for a article writer for your site.
    You have some really good articles and I feel I would be a good asset.

    If you ever want to take some of the load off, I’d
    absolutely love to write some content for your blog in exchange for a link
    back to mine. Please send me an e-mail if interested.
    Many thanks!

  56. I am extremely impressed with your writing abilities as smartly as with
    the structure on your blog. Is that this a paid topic or did you modify it yourself?
    Anyway stay up the nice quality writing, it’s rare to look a nice weblog like this one
    today..

  57. I cherished up to you’ll receive performed right here.
    The cartoon is attractive, your authored material stylish.
    nevertheless, you command get bought an impatience over that you want be handing over the
    following. sick without a doubt come more
    before once more since exactly the same just about a lot steadily inside case
    you protect this hike.

  58. I am really enjoying the theme/design of your blog.

    Do you ever run into any browser compatibility problems?
    A number of my blog audience have complained about my site not working correctly in Explorer but looks great
    in Safari. Do you have any solutions to help fix
    this problem?

  59. I was just looking for this information for a while.
    After six hours of continuous Googleing, at last I got it in your web site.
    I wonder what’s the lack of Google strategy that don’t rank this type of informative web
    sites in top of the list. Usually the top web sites are full of garbage.

  60. Magic Kingdoms is a fun game to scratch the Disney itch. TRLE offers a great hack to offers you ways to get hard to get items to help you progress your games. In my case, I needed gems to get hard to get and rare characters such as the corpse bride and other great characters

  61. Aw, this was an incredibly good post. Taking the time and actual effort to produce a really good article… but what can I say…
    I procrastinate a lot and never manage to get nearly
    anything done.

  62. I think that everything published made a ton of sense. But, think on this,
    what if you were to write a killer headline?
    I am not saying your information isn’t solid., however what
    if you added something to possibly get folk’s attention? I mean 4 Clever Ways To Use Credit Card Loyalty Points To
    Save Money | Project Eve is a little boring.
    You should look at Yahoo’s front page and note how they write news
    headlines to grab people interested. You might try adding a
    video or a pic or two to grab readers excited about what you’ve got to say.
    In my opinion, it would bring your posts a little livelier.

  63. Greetings, I do believe your website may be having browser
    compatibility problems. When I look at your site in Safari,
    it looks fine however, when opening in Internet Explorer, it’s
    got some overlapping issues. I simply wanted to provide you with a quick
    heads up! Other than that, fantastic blog!

  64. Hey very cool web site!! Man .. Excellent ..
    Amazing .. I will bookmark your website and take the
    feeds additionally? I’m glad to find a lot of helpful info right
    here in the submit, we want develop extra techniques in this regard,
    thank you for sharing. . . . . .

LEAVE A REPLY

Please enter your comment!
Please enter your name here