Maximizing your credit card rewards doesn’t have to be complicated. Start by choosing a card that aligns with your spending habits—whether it’s groceries, dining, or travel. Always take advantage of sign-up bonuses, but don’t let them dictate your choice. Look for cards with ongoing rewards and perks that you’ll use regularly. Combine your credit card rewards with cashback apps or store loyalty programs for even more savings. And finally, pay off your balance in full each month to avoid interest charges that can erode your hard-earned rewards.

Thomas Nixon