1. Maximize Credit Card Category Bonuses in Your Everyday Spending

Making the most of your credit card category bonuses is one of the simplest ways to earn miles and points. Credit cards can offer double, triple, or even quintuples points in certain spending categories.

American Express – The American Express Gold Card offers 4 Membership Rewards points per dollar at restaurants and 3 Membership points per dollar on flights booked directly with airlines or through American Express Travel

Bank of America – The Bank of America Customized Cash Rewards Credit card allows you to pick a bonus category and lets you earn 3 percent cash back in eligible category of your choice, 2 percent at grocery stores and 1 percents for other purchases.

2. Use Credit Cards to Earn Points Towards Travel

Using your credit cards to earn points towards travel is an easy way to save money. It is important to know which credit cards earn you the most points and miles to help you reach your goal.

American Express – The American Express Platinum Card earns you 5x points for flights book directly with airlines or on prepaid hotels book with American Express Travel

3. Buy Gift Cards

Some credit cards reward you for specific types of spending depending on where you make the purchase. For example, you can buy gift cards for gas, restaurants with your credit card. However, some places may not allow you to buy gift cards with your credit cards.

Credit Cards you can use for purchasing gift cards

– American Express Gold Card

– Blue Cash Preferred Card from American Express

– Bank of America

– Chase Freedom Flex

– Discover it

4. Shop through portals to earn extra miles