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Accumulating points is a double-edged sword: wait too long and if you forget about them, they could expire. Redeem too early and miss out on better payout rates with higher point balances. If you keep good track of expiration dates and rules for your points program, it usually … [Read more...] about Save up your points and rewards to get better payouts

There is no one "perfect" credit card for everyone. In fact, a trick in the credit card industry is to offer an exciting promotion on a very specific category of purchases, say 5% on gas or 3% on grocery stores, but then cut back on other bonuses. Retail stores' cards are … [Read more...] about Maximize your payback by picking the credit card rewards that match your spending

Many retail stores will offer you a percentage off your total purchase when you sign up for a store credit card on the spot (10% is common). You may continue to qualify for exclusive discounts and other special privileges by being a card holder. Some stores tie their loyalty … [Read more...] about Pick the right time to cash in on “save X% now” offers at your favorite stores

Prepaid gift cards and one-time use credit cards are becoming increasingly common as payouts for mail-in rebates and other promotional offers. They are often used in incentive programs for new cell phones (e.g., "$100 mail-in rebate via Visa Check Card"), other electronics … [Read more...] about Save every last penny on your prepaid gift cards

It's not a guarantee but if you think your rate is too high, especially if you are being offered lower rates from other card companies, you might be able to get your credit card company to lower your rate. You can even propose a rate (though it's not a sure thing they will … [Read more...] about Want a lower rate? Just ask…