Here’s how these simple changes can boost your credit card rewards in 2024.

Many people use rewards credit cards to earn rewards when they spend money with the card. If you use a credit card as a payment method, take advantage of the opportunity to earn as many rewards as possible. Using a rewards credit card is a good start, but it’s also important to be strategic about which rewards credit card you choose when you’re on the checkout line. We’ll share one way to increase your credit card rewards in 2024.

Pay with the credit card that offers the most benefits.

There are a variety of rewards credit card options. Here are some examples:

The ideal rewards card will depend on your general spending habits and goals. If you don’t travel often, you may not get many benefits from a travel rewards credit card. Each credit card rewards you in different ways. Some cardholders receive more rewards when they spend money on certain purchases. Other cards allow you to earn rewards at a flat rate on all purchases.

Pay close attention to how each card rewards you.

Whether you have an existing rewards credit card in your wallet or are considering applying for a new one soon, it’s important to know how that card earns rewards. This allows you to make more informed purchasing decisions every time you swipe your card. Paying for purchases with a card that offers more rewards is an easy way to increase your credit card rewards potential.

Imagine meeting friends for dinner at your favorite Italian restaurant. You have two credit cards in your wallet:

• The restaurant offers a credit card that earns you 3 points per dollar on eligible restaurant purchases.
• This is a cashback credit card that earns you 1.5% cashback on all purchases.

In this scenario, we recommend paying using a restaurant credit card to maximize your rewards. This is just one example, but it can be helpful to consider the cards in your wallet before making a purchase, whether you’re shopping online, doing your weekly grocery shopping, or booking a hotel stay. The more rewards you earn, the more value you get from your credit card.

In 2024, we will take a more strategic approach to how we use our cards.

I have been using rewards credit cards for almost 10 years. But I didn’t always put in enough effort to maximize the rewards. In 2024, we will pay more attention to increasing credit card savings. Since there are not many cards, it will only take a minute or two to decide which card to use. Getting more rewards could be a big win for my bank account.

Get more value with your credit card

Choosing strategically which credit card you use for purchases can help you earn more rewards, faster. You can also review the benefits offered by each card in your wallet. You may be ignoring valuable benefits that are available to you.

In addition to earning rewards, many credit cards come with benefits that can improve your life. Please do not take advantage of these benefits. You can maximize your rewards potential and use the benefits offered to get more value from your credit card.

NOTE: Our top-tier cashback cards now offer a 0% introductory APR through 2025.

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