Video: 4 credit card reward hacks

Get the most out of every dollar you spend by using these easy tips


The ins and outs of credit card rewards can be tricky. Here are four of our favorite hacks to help you get the most out of every dollar you spend.

No. 1: Max out your category bonuses.
Don’t let category bonus months go to waste. Make sure you spend up to the limit for that category to earn as many extra points as you can. If the category is grocery stores, but you can’t buy that much food in a quarter – stock up on gift cards to use at a later date. The same goes for gas stations and other major categories.

One caution, though: Don’t spend a penny more than you ordinarily would, just to chase rewards. If keeping track of category bonuses feels overwhelming, use our Wallet app to tell you which card to use where.

No. 2: Transfer points to an elite card.
If you have a high-end rewards card, such as the Chase Sapphire Reserve*, each point you earn holds more value. By using that card for purchases or transferring points from other Chase cards to your elite card, you can automatically increase the value of your points by 50 percent.

No. 3: Book your flight through a partner airline.
Did you find the perfect American Airlines flight but don’t want to use that many of your points? Check out partner airlines, such as British Airways, which calculate rewards differently and may offer you that same flight for fewer points.

No. 4: Call your credit card company for deeper discounts.
If you find a discounted flight that is not offered through your credit card portal, call your credit card company and request that they honor that deal. Insiders say if they can find the link to the discount flight, your card issuer often give you the go-ahead.   

You’ve got the cards. You want the rewards. Make sure the points you earn take you further with these credit card reward hacks.

The content on this page is accurate as of the posting date. Please see the bank’s website for the most current version of card offers.

See related: How to save reward points on American Airlines flights, 8 ways to maximize your credit card rewards points,

Join the discussion
We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

If you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings. By leaving the 'Post to Facebook' box selected, your comment will be published to your Facebook profile in addition to the space below.

The editorial content on is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company's business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.

Weekly newsletter
Get the latest news, advice, articles and tips delivered to your inbox. It's FREE.

Updated: 02-18-2019