5 ways to earn credit card points faster, from dining rewards programs to referral bonuses
Crystal Cox/Business Insider
- Many credit cards come with great sign-up bonuses that reward you with thousands of points or miles, or hundreds of dollars of cash back, after you meet a minimum spending requirement in the first few months after you open your account.
- But how do you keep accumulating points once the card is in your hands and you've earned the intro bonus?
- Some of the best ways to earn more points include joining a dining rewards program, referring friends, and buying things online through your credit card's shopping portal.
- Read more personal finance coverage.
If you signed up for a new rewards credit card recently - like the Chase Sapphire Reserve or the Citi®/AAdvantage® Platinum Select® World Elite™ Mastercard® - chances are you got a big sign-up bonus of rewards points or miles. But how can you keep earning extra points on top of your regular spending after you've earned the welcome bonus? Fortunately, there are a few easy tricks to help you on your way to that dream vacation or anything else you're saving points for.But first, a word of warning: Credit cards play a big role in maintaining a healthy credit profile and score. Make sure you're aware of the impact that opening a new card can have, especially if you're planning to apply for a mortgage or finance a major purchase anytime soon.Advertisement
It's also important to practice financial discipline when targeting credit card rewards - paying your balances off in full each month, making payments on time, and not spending more than you can afford to pay is the best course of action. After all, interest and late charges can cancel out the value you get from your rewards.
If you're still trying to decide which credit card is best for you, you can check out our full guide on the best rewards credit card offers.
Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.
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Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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