How to Use Credit Card Rewards to Fund Your Dream Vacation
People tend to shy away from traveling based on the notion that it’s too expensive. If you don’t have the funds to go all out, you may think it’s not worth it to go at all. Traveling can get pricey if you aren’t doing your research and looking for the best deals. But when you explore your options and take advantage of the deals available to you, that dream vacation may be more accessible (and more affordable!) than you initially thought.
One of the best ways to make your dream vacation a reality is taking full advantage of your credit card rewards to score big on your travel plans. Here are some of the ways you can get the most out of your credit card rewards:
Find the Right Card for You
A Robins Financial Credit Union Visa® Platinum Rewards Credit Card is one of the best cards you can carry. Accepted worldwide, you’ll also enjoy low rates, top-of-the-line security, and convenient payment options to save you time and money.
Join Loyalty Programs
With your Robins Financial Credit Union Visa® Platinum Rewards Credit Card, you’re able to enroll in the Visa® ScoreCard® Rewards Program and earn points on your purchases. The rewards points you earn can then be redeemed on a variety of different items to give your travel an extra boost!
Additionally, joining hotel and airline loyalty programs can help you save even more. You’ll earn rewards each time you book, and the more purchases you make through the rewards program, the more perks you will earn.
Work Your Rewards
The more you use your card, the more rewards you earn. But you want to stay responsible with your card usage; it can affect your credit score if you aren’t cautious with your spending. One of the easiest ways to build up credit card rewards is to use your card to pay your recurring bills. Putting all of your fixed monthly expenses like subscriptions, insurance, internet, and cell phone payments on your credit card will help you quickly rack up rewards. And, this will also help simplify your bill paying process. Set up automatic payments for each account with your credit card, and you can easily track your spending on those fixed expenses that don’t fluctuate month to month.
Be sure to check the details of your specific rewards card. Certain purchases can earn you more points than others. Some cards offer extra points on dining purchases, so if you go out to dinner, charging the meal to your card will help you earn more rewards. Or, if your card offers extra reward points on gas purchases, then you’ll want to use that card every time you fill up. When you use your Robins Financial Credit Union Visa® Platinum Rewards Credit Card on travel purchases (car rentals, hotels, and airline purchases) during the month of July, you will earn double reward points*.
Another way to build up more rewards points is to use your credit card to pay for large purchases you’ve been saving for. The bigger the purchase, the more rewards you earn. Just remember to pay off the purchase immediately, so you avoid having to pay interest charges.
Always Pay Off Your Balance
The biggest rule of thumb when it comes to credit card usage, rewards or not, is to always pay in full, on time. Paying your credit card balance in full each month helps improve your credit, and helps you avoid interest. Paying off your credit charges right away enforces the idea that the money is already spent if it leaves your account right after your purchase.
Spend Your Rewards Wisely
Try to rack up as many rewards points as you can before redeeming them. This way, you will be able to redeem your rewards for big-ticket items that can really enhance your travel plans. With your Robins Financial Credit Union Visa® Platinum Rewards Credit Card, your rewards points can be redeemed for one-of-a-kind travel experiences such as exclusive resort stays, private cooking classes, hot air balloon rides, and so much more!
If you’re ready for premium purchasing power and outstanding perks and rewards, apply for our Visa® Platinum Rewards Credit Card. You can view rate information and our credit card agreement online. Apply online, stop by a branch or give us a call to find out more.
*Terms and conditions apply. The rate you qualify to receive may vary depending on individual credit history. Contact credit union for membership details. Federally insured by NCUA. Only car rentals, hotels and airline purchases qualify for double reward points. Double points do not apply to any other purchase categories. Offer available only on consumer Robins Financial Visa® Platinum Reward Credit Cards. Offer valid July 1, 2019 through July 31, 2019.