As the end of the year nears, you’re planning for holiday travel, what gift to get the cousin you only see once a year, and whether or not you can get away with passing on Aunt Helen’s green bean casserole. Important tasks all, but there’s one more to add to your list: Maximizing your credit card rewards.
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If you have a rewards card with an annual fee, chances are you haven’t used all of the “perks” you’re paying for. But those benefits won’t roll over once Jan. 1 rolls around, meaning you should try to maximize them in the next two and a half months if you can.
Many of the biggest perks are related to travel: For example, the Chase Sapphire Reserve offers a $300 travel credit each year, and many cards will reimburse you for costs you accrue at the airport (including checked bag fees) up to a certain dollar amount. If you have some travel coming up, it’s worth using those up, or seeing if you can apply the travel credits retroactively to a trip you took earlier in the year.
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Other cards—including some airline-branded cards—offer perks once you meet a certain spending threshold for the year. While those are often high, if you’re close, it’s worth considering if it’s worth hitting before the end of the year (not to suggest you should spend more to get a perk—make sure it makes financial sense).
Try to redeems your rewards cash and points on, well, cash back or something like a gift card, writes U.S. News and World Report—not merchandise. You’re likely to get a lower conversion rate on a site like Amazon than you would by taking the cash. “That said, redeeming points for merchandise is far better than doing nothing with the points.”
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One perk that doesn’t necessarily expire but might be useful around the holidays is checking your card/bank’s online shopping portal. If you’re online shopping anyway, you might be able to get a better deal (and more cash back or points) by shopping via the portal. Maybe get Aunt Helen a new casserole dish—she’ll love that.
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