Are You a Point Person? 3 Tips to Build Up Your Credit Card Points

/ BY / Credit Cards

Redeeming the points you earn on your credit card purchases is an easy way to save money on airline flights, restaurant meals or merchandise at your favorite online store.  But it seems to take forever to build up those points to a meaningful level, and sometimes the points expire before you really get a chance to use them.

Here are a few ways to boost your point balance so you can take advantage of them.

Choose the right card

Read the offers for the various rewards cards offered on the CreditCardXpo site and you’ll often find that the number of points you earn depends on the type of purchases you make.  To get points to accumulate faster, match your card to your spending habits.

Do you live and breathe football? The NFL Extra Points Credit Card provides 2 points for every dollar you spend on game tickets and at purchases you make in stadium or at NFL pro shops. Just imagine how many points you’ll get if you try to attend every game of your favorite team!.  You’ll also earn 1 point per dollar on all non-NFL purchases.)

In addition, with this card you’ll get 10,000 bonus points if you make $500 in purchases in the first 90 days—enough for $100 cash back in just three months.

If gaming is your passion, you’ll see your point balance rise quickly when you use the Playstation Card from Capital One at the Playstation store. You get a whopping 10 points for every dollar you spend there! You’ll also earn 3 points per dollar on purchases at Sony stores, at quick service restaurants and movie theaters and even on your mobile phone bill.  This card also offers a 5,000-point bonus if you use it to make a purchase within the first 90 days.

Use your card more frequently

Most people charge their mobile phone bill to their credit card account. But did you know that you can set up automatic monthly payments, charged to your credit card, for other household bills like gas and electric or cable and/or internet service?  It’s an easy way to earn more points without spending any additional money.  (One word of caution: make sure you set the money aside to pay off  those additional credit card charges.)

If you and your spouse use separate credit cards, consider switching to the same account to get points accumulating faster.

Watch for special deals

Credit cards may offer quarterly deals that will allow you to earn additional points for a limited time on certain purchases.  For example, one card may offer you double or triple points if you eat out at a restaurant during January, February or March; in the spring and summer, they may offer you those additional points on gasoline purchases or hotel bookings.

Some cards add the points automatically, but others require you to sign up each quarter to be eligible. Check your card’s website or contact their customer service department to see what type of purchases qualify and what you have to do to earn those extra points.

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Please note your financial situation is unique and our tips & advice presented here may not be appropriate for your situation. recommends that you seek different advice & opinions from your own accountant or financial adviser who understands your individual circumstances before making any important decisions or implementing any financial strategy.