Shopping portals allow you to earn multiple points on
top of any category bonus for online shopping, just by clicking through a link.
As the example above shows, effective
use of category bonuses can result in an extra $ 150 in cash back from just one type of expense.
Also, make sure to consider whether the retailer is
part of a category bonus being offered on a specific credit card... choose the one you «swipe» accordingly!
Use your credit cards tactically to earn the most points — make the most
of any category bonuses on offer (dining, travel groceries etc...)
Depending on what type of travel you do, what
kind of category bonuses you're most likely to take advantage of and if there are any benefits associated with your cardmember anniversary, the answer may be different.
Chase would replace the current bonus with a
menu of category bonuses that customers can choose from depending on their needs.
I think it's appropriate to add the
value of the category bonuses you'll use in the first year (minus the value of your next best option with another one of your credit cards.)
The card also gets 3x on airfare spend, although since we tend to earn most of our miles and points through credit card bonuses and spend, we haven't been able to take advantage
of that category bonus as much.
Through 4 November Chase is offering 1 bonus Ultimate Rewards point on every dollar spent via Apple Pay, Android Pay or Samsung Pay and the bonus comes on
top of any category bonus you may earn too.
Furthermore,
because of its category bonuses, it was a good tool for earning points, too, getting 3X points on airfare and 2X points at grocery stores (where you might be buying gift cards).
But while these cards can match or beat
some of these category bonuses, no other card earns an all - around 3X on almost all travel expenses.
Take advantage
of category bonuses, spend everything (that you'd alternately buy with a debit card or check) with your credit card.
This allows you to still take advantage
of category bonuses (like up to 3x Membership Rewards points when you use the Business Gold Rewards Card from American Express OPEN to shop at office supply stores), since you'll earn points or miles through the portal and on the credit card.
One way to earn more miles using your credit cards is to advantage
of category bonuses.
Chase Ultimate Rewards are easy to earn, especially if you take advantage
of category bonuses and shopping portals.
Personally, when it comes to a reward card strategy, I favor a balanced strategy, with a few different cards in my wallet that I use to take advantage
of category bonuses.