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Before applying for a rewards credit card, think about your financial picture, which cards you might be eligible for and which ones offer earnings bonuses at the places you shop. Rewards cards tend to require good to excellent credit, so it's a good idea to check your credit score, which you can do for free through Experian , to determine whether your score is within the average range for any card you are thinking about.
Here are a few to consider right now. One of the best ways to earn a lot of credit card points fast is to score an introductory bonus, also known as a sign-up bonus. An intro bonus can be anything from tens of thousands of points or miles for award travel to hundreds of dollars in cash back.
To earn an introductory bonus , you usually have to meet certain spending requirements. That might be as much as hundreds or thousands of dollars in purchases within a set period of time, like three to six months. Spend Your Money Strategically To earn rewards points quickly, think about the kinds of purchases you make each month so you can use the credit cards that will earn you most points or miles for them.
While many rewards credit cards earn 1 point or mile per dollar on most purchases, some earn bonus points when you use them to buy things at specific categories of merchants, such as gas stations or grocery stores. By using these cards at the right places, you can double, triple or multiply your earning even faster. Combining a few different rewards credit cards with bonus categories that do not overlap can help you earn bonus points or miles on nearly every single purchase you make.
Use Your Cards for Everyday Purchases Aside from maximizing bonus categories, you can earn rewards points even faster simply by using your cards for most of your everyday purchases rather than just occasional buys or large items. A point or mile per dollar here and there adds up quicker than you think. Using a credit card rather than cash or a debit card is not only a great way to accrue rewards faster, but some credit cards offer protections for purchases you make in case something is lost or stolen.
Using a card responsibly is also a great way to build your credit history and improve your credit score. How to Use Your Card Responsibly Before you whip out your card for every purchase, no matter the price, keep in mind that the rewards you earn will only be worthwhile if you use your card responsibly and are able to make payments on time and in full every month.
Not doing could result in late fees and interest charges that will cost much more than the value of any rewards points you earn. Not only that, but over-utilizing your card and amassing a balance that's near your credit limit will be a red flag for lenders.
Carrying a high balance can lower your credit score and prevent you from taking advantage of other lucrative credit card offers in the future. The key to earning credit card points fast is to find a card that fits your financial habits and racks up bonus points or miles on the kinds of purchases you make the most, and by spending responsibly on day-to-day expenses.
By finding a card that offers bonus-earning opportunities and other benefits you can take advantage of, you can start accruing rewards points faster than you think.
You can find personalized credit card options through Experian CreditMatch TM to help you maximize your earning. Get the Rewards You Deserve Cash back? Whatever suits your goals, we can help match you to personalized rewards card offers. The purpose of this question submission tool is to provide general education on credit reporting.
The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. Every day. In our restaurants Grab a quick drink or dine out in some of the finest restaurants: ALL lets you earn points and do more of what you like - even when you're not at the hotel.
Shopping Earn points when you shop from brands in our e-boutiques. Partners More partners, more benefits. Business Business. Meeting Planner Book events where you need, when you want - and earn points every time. Your points, your call.
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