Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.Īt Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience.Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. Here is a list of our partners who offer products that we have affiliate links for.At Bankrate, we have a mission to demystify the credit cards industry - regardless or where you are in your journey - and make it one you can navigate with confidence. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. Second, we also include links to advertisers’ offers in some of our articles these “affiliate links” may generate income for our site when you click on them. This site does not include all companies or products available within the market. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. First, we provide paid placements to advertisers to present their offers. This compensation comes from two main sources. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective. Otherwise, the fees and interest payments on your credit card will be far more expensive than the cash back you earn. This approach only makes sense if you can pay your credit card bill in full and on time. Maximizing bonus categories, especially through more creative methods, requires you to be responsible with the purchases you make. Can the household goods or toys you need from a superstore wait until they earn bonus cash back? On the flip side, you may also want to strategically delay purchases. For example, during a period where groceries are bonused, you might want to stock up on pantry items with long shelf lives in order to maximize your rewards potential. You could buy those gift cards, earn bonus cash back and then redeem those gift cards at businesses you visit anyway.Īnother way to maximize your rewards is to strategically time when you make your purchases. Many gas stations sell similar merchandise to convenience stores as well as gift cards to restaurants and retail stores. Don’t spend money you wouldn’t otherwise, but perhaps buying what you need from a different store can help your purchases fall within a different category.įor example, if the bonus categories include gas stations, you could buy other merchandise you do need within the store. In those cases, try to think outside the box to find creative ways to max out your bonus. Occasionally, the bonus categories might not match your normal routine. Other quarters may not be as straightforward. In some quarters, the rotating categories will line up perfectly with your spending habits and it will be easy for you to maximize the full $1,500 spending limit-or $75 in rewards- allowable per quarter. Once you’ve activated the bonus categories, you can shop knowing you’re earning a pumped-up rewards rate.
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