Can you get something for nothing with a reward credit card?

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These days I think we’re all very conscious of our spending aren’t we?  Of making sure we always get the best value for our hard earned pounds and taking advantage of deals and special offers where we can.  Even more so I think, we all like to feel we’ve got something for nothing – be it a free coffee after you’ve earned enough stamps on your card, a new lipstick with your Boots Advantage Card points or even free flights through Avios points earned on your credit card?

I must admit I have quite a number of different loyalty cards in my purse – there’s a handful of them I use regularly and others that I maybe only pull out once or twice a year but I keep them there just in case.  The key to using loyalty cards or even reward credit cards is to make sure that you do just that.  Use them.  You’re not going to earn any points if you leave it on the shelf at home.  It doesn’t matter how small your purchase, the points you earn will always add up. 

Photo Credit: Sean MacEntee via Compfight cc

I like the idea of reward credit cards providing you can be careful and disciplined with your money (which I’m afraid isn’t necessarily my strong point).  Of course you could just earn points on the bits and bobs you usually use your credit card for be it booking your holiday, a new TV or an extra birthday present for someone special.  However if you really want to box clever, and like I say can be disciplined about it, surely the best way to maximse your earning on a card like this is to use your reward credit card for everything you buy and then clear it all at the end of the month before you’ve racked up any interest?  Dave and I used to spend a fortune on fuel, we still do in fairness but now I work more locally it has been significantly reduced.  If at that time we had even just bought all our fuel using a reward credit card we’d have been racking up around £600 a month or more on it – money we were spending anyway but could have been earning points for treats.  Of course I’m no expert so I would suggest having a read of what good old Money Saving Expert, Martin Lewis thinks too: Money Saving Expert – Reward Credit Cards

Do you use a reward credit card? I’d love to know how it works for you?

 

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3 Comments

  1. April 12, 2015 / 5:51 pm

    We have a Tesco Clubcard credit card which we use for all our day to day spending and pay off in full every month. We then use the vouchers on their boost scheme so get 3 or 4 times their actual value. We've paid for holidays and even our wedding rings with clubcard vouchers!

    • April 12, 2015 / 7:20 pm

      That's fantastic!

  2. April 12, 2015 / 9:30 pm

    We do all our day to day spending now on a Tesco credit card and use the points for days out 🙂 x

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