Before you flip through another holiday gift guide, review these five simple credit card strategies designed to spread joy well into the new year.
1. Funnel Credit Card Rewards
If you use a credit card that offers rewards, redeem points and funnel those rewards toward one big holiday expense instead of spreading them out. For example, if you plan on going home for the holidays, redeem all of your points for air travel rewards. Or, redeem all of your points for cash back to pay for groceries or restaurant meals. SAFE’s Visa® Platinum Rewards Credit Card offers rewards points for every purchase that can be redeemed for cash, merchandise, and travel.
2. Stick With One Card
3. Protect Your Credit Card Information
When shopping in-store, pay with your digital wallet and leave physical credit cards at home. The digital wallet stores your credit card information but uses tokenization to ensure your true account details aren't shared during the transaction.
4. Use a Credit Card Shopping Portal
Many credit cards have partnerships with online shopping portals where you can purchase goods online at select retailers. By logging into the portal, you can access free shipping, snag buy one get one free offers, or receive other deep discounts reserved for portal shoppers. You must arrive at the retailer's website via the secure online portal to activate these exceptional deals. Contact your credit card company to find out if you have access to a shopping portal.
5. Check for Bonus Rewards