Credit card rewards programs are designed to incentivize spending and provide customers with benefits for their loyalty. With a wide variety of rewards available, from cash back to travel miles, credit cards can be an invaluable financial tool when used wisely.
The holiday season is a great time to maximize your credit card rewards. With extra spending around the holidays, it’s an ideal opportunity to earn more points or cash back for purchases you may already be making. Making sure your credit card rewards are maximized this holiday season can make a big difference in how much you get out of your spending.
Here are some tips on how to get the most out of your credit card rewards this holiday season:
Shop With a Rewards-Friendly Credit Card
The right credit card can help you maximize your holiday rewards and bring in more bonus points in the process. Look for a card that offers extra points on purchases at major retailers and popular online stores, as well as bonus rewards for certain categories of spending like groceries and gas. Having multiple rewards credit cards will help you maximize the rewards you earn.
Take Advantage of Store Loyalty Programs
Many stores usually offer loyalty programs during the holiday season to reward their loyal customers when they pay for purchases via credit cards. You should look out for store loyalty programs so you can get more in less while using your card for holiday shopping.
Use Shopping Portals and Special Offers
Many credit cards will have strategic partnerships with online retailers, allowing you to earn extra points or cash back when you shop through the portal. Be sure to take advantage of any offers or promotions they may be running during the holidays. You can ask the credit card provider for a list of retailers or stores that offer discounts and rewards points when making payments via credit card.
Take Advantage Of 0% Intro APR Offers
If you need to make a large purchase this holiday season, look for a credit card that offers 0% intro APR on purchases. This will allow you to finance your purchase with no interest and pay it off over time without any additional costs. In this way, you can save a lot of bucks on holiday purchases while utilizing the 0% Intro APR offer provided by your credit card company.
Use a Card with Added Benefits
Some best credit cards offer additional perks like extended warranties, purchase protection, and travel insurance that can help you save money. While buying holiday gifts and presents for your friends and family, you can use such added benefits to enjoy an excellent shopping experience while saving lots of bucks.
Take Advantage of Bonus Categories
Many cash-back or travel reward cards offer bonus categories that allow you to earn extra rewards on specific purchases. Look for cards that offer bonus categories like shopping, travel, dining, or entertainment during the holiday season. Ask the card provider for specific bonus categories to maximize your credit card rewards during the best time of the year.
Sign Up for Special Credit Card Deals
Many credit card companies offer special deals and discounts around the holidays. Which can help you save money while earning more rewards at the same time. Make sure to sign up for any holiday deals that your card offers so you don’t miss out on any opportunity to save money while buying holiday stuff.
Look for Promotions
Some credit card providers offer promotions during the holidays, such as a limited-time bonus on purchases or discounts with certain merchants. These types of promotions can supercharge your rewards earnings and help you get more from your card. You may need to visit the official website of your card provider to see the holiday promotions.
Use Your Credit Card for Holiday Travel
If you’ll be traveling this holiday season, consider using your credit card to pay for flights and hotels, as well as other travel expenses. You can earn bonus points or cash back rewards, plus you’ll enjoy all the benefits of having a credit card for emergencies. Not only this, you can also gain access to executive airport lounges to enjoy better hospitality services while traveling with family.
Take Advantage of Referral Programs
Many credit cards offer referral programs that allow existing cardholders to earn rewards for referring friends and family. If you know someone who would benefit from a credit card this holiday season, consider recommending it to them, as this could earn you some additional points or cash back to help you buy more exciting stuff this holiday season for your loved one.
Final Thoughts
By taking advantage of these simple tips, you can maximize your credit card rewards this holiday season and enjoy some extra cash back or points on your purchases! However, you need to choose the best credit card offering lots of reward points and make sure to pay off your balance in full every month to avoid carrying a high-interest balance and negating any rewards you may have earned.
For more information and tips to help you choose the best credit card in NZ, visit our website Credit Cards Compare.
