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Getting the Most from Your Credit Card Rewards

Aug 17, 2007
Several credit card companies today are offering their customers credit card rewards for being loyal customers. This gives the cardholder the chance to earn points to gain all kinds of prizes. These incentives are great ways to keep customers loyal and using their rewards credit card to earn more points to receive their prizes faster. The more points you earn the more you can receive in the way of prizes they offer. The credit card companies understand that when their loyal customers use their cards more often they are also making more profit, so the system works for everyone involved.

There are many different types of rewards credit cards available. Some offer cash back, which gives the cardholder a certain percentage back from the amount that they spend. This is normally done either monthly or yearly. This can be a great way for person that do not wish to earn points for prizes but would enjoy the cash to spend anyway they desire.

Other credit card rewards are in either a point system or air miles. These types of credit card rewards give you a certain amount of points or air miles for every dollar or two dollars that you charge with your rewards credit card. These points or air miles can then be transferred into free airline tickets, hotel accommodations, and car rentals. However, these are more for people that fly often. The miles normally expire within one year, so if you do not fly but once or twice a year the benefit will not be profitable.

There are some other forms of prizes as well for credit card rewards such as gasoline purchases, etc...

To get the most from your credit card rewards you have to, of course, use them. Many people never redeem their points for their rewards. Credit card companies cannot believe the amount of people that never receive their prizes after accumulating enough points to reap the rewards. The important thing to remember is if you are not holding a cash back credit card you will have to contact the credit card company that issued the credit card, so you can claim your rewards. The problem is many people just do not take out the time from their busy life to redeem their points from their rewards credit card program.

However, if you pay attention and just spend a little bit of time you will soon be enjoying the prizes that you can claim with credit card rewards. All you have to do is to use your card instead of using cash, pay off your balance before you have to pay interest and you will be earning points. Now, you are very close to receiving a wonderful thank you from the credit card company.

Quit being one of those people that just forget about their credit card rewards and contact the company once you have enough points for the prize that you wish. You may have enough air miles accumulated to take the entire family on a great vacation and not have to pay for airline tickets!
About the Author
For more information on credit card rewards, Robert Alan recommends that you visit CreditCardAssist.com.
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