How to Maximize Cashback & Rewards

1. Choose the Right Rewards Card

Not all credit cards are created equal. Picking one that matches your lifestyle ensures you get the best value.

• Cashback cards: Great for daily expenses like groceries or fuel.

• Travel cards: Perfect if you fly often or book hotels regularly.

• Rotating rewards cards: Offer extra cashback on changing categories.

💡 Pro Tip: Don’t chase flashy rewards—pick a card that rewards your real spending habits.

2. Understand Bonus Categories

Many cards offer higher cashback or points in certain categories.

• 5% on dining or groceries.

• 3% on fuel or online shopping.

• 1% on everything else.

💡 Tip: Use the right card for the right purchase—one card for fuel, another for groceries, etc.

3. Stack Rewards for Extra Value

You don’t have to rely only on your card. Combine offers for more wins.

• Use your cashback card + store discounts.

• Shop through your card’s online portal for bonus points.

• Pair with coupon apps for double benefits.

💡 Example: Buy $100 worth of groceries with 5% cashback + store discount = $15 saved instantly.

4. Redeem Rewards Smartly

Not all redemptions are equal. Using rewards incorrectly can cut their value in half.

• Cashback is often the most flexible option.

• Travel points give maximum value when used for flights and hotels.

• Avoid redeeming for gift cards or merchandise unless they offer full value.

💡 Pro Tip: Always compare redemption options before using your points.

5. Pay Your Balance in Full

Rewards mean nothing if you’re paying high interest.

• Interest charges cancel out any cashback or points you earn.

• Paying in full keeps rewards as pure profit.

• Think of rewards as a bonus—not an excuse to overspend.