Find current expenses you can pay with a credit card
A quick way to add reward points is checking your monthly spending. Things that you write a check for or ACH bank draft could all be potential credit card points. See if the merchant will accept automatic credit card payments to save time and rack in points assuming they don’t have high credit card fees. Everything from utilities, healthcare, and even tax payments.
Using the right credit card for purchases
If you have several different cards understand the different earning structures. One may offer higher rewards for dining and another may offer more for airlines and travel. This will maximize the points you receive on every purchase.
Utilize bonus offers
Most major credit cards will have exclusive bonus offers on their website or app. They are easy to sign up for and can offer $50-$500 in cash back rewards on items you may already be buying.
The average family receives $940+ a year in credit card reward points