How to Make the Most of the Credit Card Points Program

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Commonly portrayed as one of the villains of the household budget and financial organization, the credit card is also capable of offering many advantages when used wisely. One of them is the credit card points program offered by several brands.

How it works is simple: with each purchase made with the card, the customer accumulates points that, in the future, can be exchanged for numerous benefits — such as airline tickets, products, and services.

Among the advantages of taking advantage of the card’s points program are using your spending to buy something you need at no cost and having the chance to earn bonuses on some purchases.

In this post, you will see how to accumulate more points in your loyalty program, in addition to knowing some products and services that can be purchased with the collected score.

Learn how to make the most of your credit score card points!

Credit card points program benefits.

Participating in your credit card points program brings many advantages in everyday life. Several brands offer exclusive benefits for those who have the product, such as pre-sales for shows, discounts on the purchase of airline tickets, and travel insurance.

Check out some of the benefits of joining the card program right now!

For each spending, a number of points.

One of the biggest advantages of joining your credit card points program is to score points for each expense you make through this payment method.

The number of points accumulated per dollar or real spent varies according to the brand. On some cards, it is possible to earn, for example, 2.5 points for every dollar. Generally, purchases are reversed in points after payment of the invoice.

Bonuses on frequent flyer programs

Another benefit is the possibility of earning points in frequent flyer programs. There are cards that offer this advantage when contracting the product. Others take specific actions during the year.

If you don’t want to lose your points, it’s important to check the expiration rules, so you don’t have surprises when planning a trip, for example.

On some products, the bonus does not expire as long as you continue to use the card. In others, promotional points have a deadline to be used by the customer.

Special installments and discounts

Credit card points programs also bring advantages such as special installments for the purchase of airline tickets and discounts on the purchase of points from frequent flyer programs.

Some banners also offer a 50% discount on cinemas, theaters, and concerts in affiliated networks.

insurance and assistance

Taking advantage of the credit card points program is also a way to save on insurance and travel assistance. Many brands benefit from car rental, travel, and financial protection insurance, for example.

Customers of points programs can have exclusive access to VIP lounges, depending on the flag, as well as preferential boarding on flights.

How to accumulate more points with the card

There are several benefits of using the credit card points program to your advantage. Much is said about the great advantage of being able to convert what has been accumulated into airline tickets.

But the products and services available for exchange go further, such as:

• electronics;

• home appliances;

• magazine subscriptions;

• car rental;

• movie and concert tickets;

• insurance.

To get the most out of the credit card points program, it is essential to adopt some strategies for scoring and accessing benefits. Here are some tips to accumulate more points on your card!

Choose your card well.

In order to accumulate more loyalty program points and redeem rewards that are really useful to you, it is important to choose the right card. Analyze, among other factors, how many points are received with each purchase, how expiration works, and the benefits offered.

The points accumulated with each purchase vary from one credit card to another, even within the same bank. To choose the best one for you, be sure to research advantages and conditions on the program pages on the financial institution’s website.

Focus spending on one card

In addition to choosing the credit card that has the most compatible points program for your needs and that allows you to accumulate points with fewer expenses, it is essential to focus your expenses on just one or a few cards.

Thus, points are accumulated faster and, with a high score, you can transfer what you have collected to the loyalty program of your choice.

Anyone who has 20,000 points on their credit card and participates in an action that offers a 50% transfer bonus can earn up to 10,000 more points instantly.

Concentrating spending on a few credit cards is also a way to get other benefits, such as a discount or even an annual fee waiver.

Prefer partner companies

To accumulate more points on your credit card, prefer to shop at partner companies in your program. Each of them has its own network of partner brands. Give preference to them when shopping at the supermarket, changing computers or filling up your car, for example.

Paying attention to promotions carried out by the points program is another way to increase your balance. Read all company email marketing and periodically access their website and app. So, you don’t miss the chance to enjoy some exclusive benefits.

To avoid a headache, always read the promotions regulations and ensure that you have provided your CPF/number in the points program when making a purchase.

How to exchange your points

Each credit card points program has specific rules for redemption, but generally, the request can be made on its own website or over the phone.

Also, pay attention to the deadline for points to be credited and/or for the redeemed product and service delivery.

Follow our tips and make the most of the credit card points program. Revert your spending on exclusive benefits and save on your monthly expenses.

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