I think that I have spent more time researching how to get good deals, than I ever did on a research paper. I always wonder why people pay full price for items when a little research could save you lots.
I’ve written about how to get the most out of your airline miles, but sometimes free flights does not appeal to everyone. People prefer to use their rewards on other purchases that affect their life more directly.
When done correctly, a credit card can give you rewards on your everyday purchases. I do shop around when looking for a card to suit my needs, asking for recommendations when needed. Recently. I’ve landed on the Chase Freedom.
Chase Freedom gives points for general purposes. Points can be used for cash back, gift cards, or travel. I use this card for all my big purchases: flights, hotels. Monthly bills, etc. With the Chase Freedom, you get 1 point for every dollar spent, but some months Chase has bonus points, where you get triple the points on certain purchases.
In July I talked about buying an outdoor set for my patio. It really has created a nice zen place for me to blog and unwind. If I made any purchases in July at Kohl’s, then I got triple the points. Not only did I get a great deal, but I made enough points from that purchase alone to get a $25 gift card from Chase. All year I use this card, and come December 1, I cashed in for gift cards that I used to buy my Christmas gifts, or give as gift.
I don’t recommend getting a credit card just to get rewards, but if used responsibly then it can yield a great return.