Credit Card Reward Progress
Tip It!Well, we’ve now maxed out our Citi Dividend Platinum rewards for the year ($300) and have broken through the old limit ($500) for our Citi Driver’s Edge card (it’s since been raised to $1,000/year). This brings our total to a bit over $1,100 for the year (including $300 from our AT&T Universal card). As I’ve noted previously, we’ve profited from some pretty generous promos, most notably 5% off all purchases on both the AT&T card and the Driver’s Edge card (that one’s still alive and kicking through September). These numbers have also been helped along by some fairly major medical expenses, a number of work-related charges for which I was later reimbursed, as well as the fact that our local Super Wal-Mart is treated as a grocery store for reward-earning purposes. Note that these numbers don’t include earnings from Credit Protector rewards, although things are looking good on that front — our duplicate Credit Protector rebate submissions are in and haven’t been rejected (yet).
Published on August 8th, 2005 - 6 Comments
Filed under: Credit Cards
About the author: Nickel is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!
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August 8th, 2005 at 1:54 pm
Time to use the card less?
August 8th, 2005 at 2:14 pm
We’re actually pretty disciplined about our credit card usage, so the money we’ve spent on these cards is money that we would have otherwise spent. But yes, I’d obviously rather spend less even if it meant earning less in rewards.
August 8th, 2005 at 4:17 pm
But if you spend more, you save more!
August 8th, 2005 at 5:04 pm
jim, you’re a great American.
August 8th, 2005 at 9:43 pm
lol
October 3rd, 2005 at 4:09 pm
Consumers should be aware of “tactics” used by credit card companies to lure them into creating more debt. But at the same time, if reward credit cards are used properly, they can provide a variety of benefits and perks to their users.
Most of the time reward cards have higher interest rates than standard credit cards. This is how many people get burned when they decide to use one of these cards to earn points or other types of rewards.
But if you only use this type of card as a secondary option to your regular, lower rate card… you can take advantage of the credit card company; instead of it taking advantage of you!
Only use these cards for purchases you know you can pay-off within the “grace period” (the time in which no interest is charged). If you know you can’t pay it off quickly, use your lower rate card instead. This way, you can earn freebies on purchases you make anyways, without paying interest!