6 Ways to Earn More Cash Back Rewards – Credit Sesame

When it comes to saving cash, you have to be shrewd. Along with clipping coupons, refinancing your home loan, and holding off on purchasing a new car, why not make your purchases work for you by scoring cash return whenever you shop? Most a credit card has cash return programs in place, but it’s easy to miss out on rewards if you’re failing to pay attention. Listed here are six methods for getting more money back.

1. Use the Right Credit Card

Make sure you’re using the right charge card to earn money back for all of your purchases. Educate yourself on the details for any cash back rewards charge card you are considering and plan your purchases accordingly.

2. Subscribe to Cash Back Websites

If you’ve never heard of Ebates or FatWallet, try them out. Both have cash return programs that offer a rebate whenever you use their links for making online purchases. If you shop a lot online, the money back can really accumulate.

3. Download Smartphone Apps

Download the Wallaby app to determine which of your charge cards is the greatest to make use of on a purchase. This ensures you’re always obtaining the best cash return reward, simplifying the reward-management system if you’re juggling multiple cards.

You can also to get a job using other apps. For example, download the GymPact app, generate a workout schedule, and produce as much as 75 cents any time you exercise. If you shop a great deal, try the Shopkick app. Every time you enter a participating store or buy something, you obtain “kicks” which can be redeemed for gift cards.

4. Repay what you owe With Credit Cards

Many monthly providers offer customers the choice to automatically pay monthly bills having a charge card. By putting $5,000 price of monthly bills on the credit card during the period of a year, you could earn a minimum of $50, assuming your card offers a 1% or greater cash return reward. Just make sure you’re paying off your balances each month – if not, the added charges could eclipse any cash back bonus.

5. Apply for New Cards

If you have a vacation approaching, you might want to consider a card that offers bonuses for travel rewards if you meet the requirements for spending a certain amount on purchases using your new card inside the first three months or even the first 90 days of account opening.

Just don’t subscribe to too many new credit cards inside a short time – that could hurt your credit rating – and do focus on your cards’ annual fees. Consider cards with a rewards programs aligned with your spending habits – you want to be in a position to earn more rewards compared to cost of the annual fee.

6. Pay for Everything With Credit

The more spent on purchases on your credit cards, the greater cash back you can generate. But when again, this only works if you’re paying down your balance each month. So long as you’re living in your means, by paying with credit, you’re racking up those cash return rewards.

If you have the choice to apply your money back rewards in different ways, such as gift cards, travel rewards, or statement credits, envisage to choose to rely on them as statement credits. You may get a better return in your rewards, and if you’re spending money on everything with your credit cards, your cash back essentially helps invest in your current purchases.

How do you make more money back rewards?