4 Tips to rack up Points on Your Credit Card

March 09, 2020

Many credit cards in the Philippines come with a rewards program that lets you earn points for every purchase. But did you know you can maximize your points without spending more than usual? Find out how you can rack up more points effortlessly:

Pay for Everything Using Your Credit Card

Whenever you’re given a choice to pay with cash or credit, opt for credit whenever possible. We recommend doing this whether your total purchase amount is big or small. It may not seem like much at first, but the points for these purchases will accumulate over time.

However, some shops have a minimum purchase amount for credit card transactions. If that happens, see if there’s anything else you can add to hit that total. But only add items that you already use regularly or always stock up on anyway. Or else you might end up overspending on stuff you don’t really need.

Enroll Your Recurring Bills and Subscriptions to Your Credit Card

Putting all your recurring bills on your credit card is one of the fastest ways to rack up more points. It also lets you pay for everything in one go, which makes it easier for you to stay on top of your monthly obligations. So call up your utility companies and ask them to enroll your bills to your credit card.

Don’t limit yourself to your monthly bills, though. You can also do this with any annual payments you have, such as insurance or investment plans. If you have any monthly subscriptions you regularly use, charge them to your credit card as well.

Opt into Newsletters and SMS Updates for Promos

Many providers offer reward point promos throughout any given year. Some promos may double or triple your points if you hit their spending requirement. Others may multiply your points if you shop at specific stores within a given time frame. And some promos may even decrease how many points you need to redeem certain rewards.

But you can’t avail of any ongoing promos if you don’t know they exist in the first place. So stay on top of these opportunities by keeping tabs on their offers. You can start by subscribing to your credit card provider’s newsletter and SMS updates. That way, you can immediately take advantage of any reward point promotions as soon as they start.

Do Your Shopping at Your Provider’s Partner Establishments

Some providers offer incentives for shopping at any of their partner establishments. These include cashback, installment plans, 0% interest, discounts, freebies, and extra reward points. If you’re lucky, you could even get twice or thrice more points by shopping at those specific stores. You could also sign up for credit cards specifically designed for earning more points per purchase such as the Robinsons Cashback Card.

So before you go out to buy anything, see if you can get it from one of their partner establishments instead. That way, you’ll still get what you need while receiving some bonus points at the same time. If you already have a reward card with that specific store, you can earn even more points on both cards.

These are some ways you can easily earn lots of points on your credit card. Before you know it, you’ll have enough to redeem something nice to treat yourself. However, only charge things to your credit card if you’ve already budgeted enough cash for it. And don’t spend more than you can afford only for the sake of getting more points. Instead, treat them as a bonus for purchases you were going to make whether you were going to earn points for it or not.