Quer saber como usar os pontos do cartão de crédito? Então, veio ao lugar certo.
Having a credit card brings many benefits. From being able to improve your credit score to being able to access cash whenever and wherever you need it, the value of credit cards is enormous. However, the most attractive benefit of a credit card is earning rewards every time you make purchases.
Most credit card companies award points based on the frequency of credit card use, attitude towards repayment and other criteria determined by the company.
Unfortunately, many people never redeem their credit card rewards. This is a blessing for credit card companies, but a failure for consumers.
Você pode não perceber que pode resgatar seus pontos de recompensa de cartão de crédito para quase tudo, desde passagens aéreas até pagar por uma nova TV, fazer compras com desconto em lojas online ou até mesmo doá-las.
Here are some ways to use your credit card points to make online purchases.
How to use credit card points
1. How to use credit card points: Buy online
If you're looking for a discount on your next online purchases or even looking for some cash back, the reward points from your credit card can provide both.
Some credit card issuers allow you to use reward points to pay for all or some purchases at selected online stores.
2. Get money back
When it comes to how to use credit card points, getting money deposited into your bank account or getting a statement credit is a great way to use your reward points.
You can use the money to pay your bills, increase your savings balance or reduce your credit card debt. You can also use the rewards to pay off part of your existing debt or transfer it to an account.
Credit card rewards can go a long way if you know how to use and maximize them properly.
3. Exchange your reward points for gift vouchers
Buying gift cards is an ideal way to use credit card rewards. Gift cards offer value and flexibility to recipients.
And many credit card companies partner with retail stores to offer an extra advantage when redeeming your points for a gift card.
4. Get discounts on airline tickets and hotels
If you redeem your accumulated card rewards for travel, you can save hundreds of dollars on airline tickets and hotel accommodation.
The caveat is that travel-related rewards usually require you to have a lot of points saved up. Travel rewards may also be subject to unavailable dates, which may make this redemption option less desirable for some.
But if you're willing to let your points grow and work around the unavailable dates, you can get great free travel. All you have to do is log in to your online rewards portal and get your discount.
You can also use your car rental rewards to make more room in your travel budget.
5. Donate your credit card rewards to charity
You can share your rewards in more ways than just exchanging them for gift vouchers for other people or for yourself.
In fact, you can donate reward points from some cards to charitable causes. So the next time your points are about to expire or you just want to share the wealth, donate your points to a charitable cause.
Be aware that some card issuers require a minimum number of points before you can donate them, so check before making any plans.
6. Pay off your balance
By avoiding the desire to spend more than you can afford, you put yourself in a position to accumulate more rewards. The more interest you pay each month, the less valuable the rewards become.
7. Restrict your spending
It's easy to forget the value of money when rewards come into play. The more credit cards you use, the fewer rewards you accumulate per card.
It's a good idea to concentrate all your spending on a card that offers the best value in the areas where you spend the most, rather than spreading your purchases across several cards, making it harder to earn rewards.
8. Keep an eye out for bonus offers
If you score one point for every dollar spent, you could be missing out on some rewards. Card issuers launch bonus offers all the time, so it's important to keep an eye on them. Some credit card issuers offer a higher rate in selected areas.
Other credit card issuers offer bonus offers to their users via their websites. Some of these include getting double or triple cash back if users buy through their online rewards platform.
