Credit cards, when used wisely, can boost your credit score and maximize the value of your everyday spending on essentials like groceries and gas.
By choosing a card that offers rewards – like our Signature Rewards or MyRewards Cards – you can earn points on your purchases, turning routine expenses into valuable benefits.
But how do you fully capitalize on your rewards credit card?
Here's a guide to help you make the most of every swipe.
5 Ways to Boost Credit Card Points
1. Understand Your Spending Trends
When selecting a rewards card, review your current spending patterns and make note of your most common purchases.
For example, someone who travels for work might spend more on gas or airline tickets, while someone who works from home or has children may spend more on groceries.
Once you've identified these habits, you can look for a card that offers higher rewards in those areas.
One of the best features of Apple FCU's Signature Rewards Credit Cards is that you can earn points with every purchase. Whether you're spending money on gas, groceries or other expenses, your Apple FCU Signature Rewards Card allows you to earn points with every swipe.
2. Check Your Card's Rewards Program
Understanding your credit card's rewards program can help you focus your spending on categories that offer higher points and boost your points balance.
The Apple Federal Credit Union Visa® Signature Rewards Program allows you to earn points for every dollar spent on qualifying purchases. Here's a breakdown of the points you can earn:
- Gas purchases: Earn 3 points per dollar for net new gasoline purchases made at the pump
- Supermarket purchases: Earn 2 points per dollar for net new supermarket purchases
- All other purchases: Earn 1 point per dollar for all other net new purchases
You'll start earning points from the first day of the billing cycle in which your program begins, and you can check your points balance in your monthly statement.
3. Pay Your Bills with Your Credit Card
Consider paying regular bills with your Apple FCU Visa Signature Rewards or MyRewards Credit Card to earn points while tackling necessary expenses.
Many service providers accept credit card payments for utilities, phone bills, streaming services and even rent. This strategy can turn routine expenses into opportunities to earn more points.
Confirm with your service providers if they accept credit card payments without additional fees. If they do, set up automatic payments for recurring bills to ensure you never miss an opportunity to earn points.
4. Pay Off Your Balance in Full
Credit cards are a great tool to build credit and earn rewards on purchases. But carrying a balance on your card can incur interest charges that negate the value of your rewards.
To avoid accumulating interest charges, always pay off your balance in full each month. Track your spending and create a budget to ensure you never spend more than you can pay off.
You can also set up automated payments to pay off your balance each month without having to remind yourself.
5. Redeem Points Wisely
Maximizing your points isn't just about earning them; it's also about redeeming them effectively.
You can redeem points from your Apple FCU Visa Signature Rewards or MyRewards Credit Card through the CURewards platform.
Points can be redeemed for a variety of rewards, including electronics, travel and even gift cards. Browse the portal to review your redemption options and choose the offer that gives you the best value for your points.
By understanding your card's rewards program and using your card responsibly, you can maximize your credit card points and make the most of your Apple FCU Visa Signature Rewards Credit Card.
Ready to get started? Explore Apple FCU's Visa Credit Cards and find the one that best suits your lifestyle.
