Credit card reward programs can bring big perks like hotel and air travel upgrades. You can even get cash back for gas and groceries. Finance journalist Katherine Fan got into credit card points after college and has reaped the benefits. Fan explains how to choose the right card and what to know before signing up.
💳 If you are looking for a premium card, your credit score should be closer to 720. Those cards offer bigger rewards.
💳 Get a card that makes sense for your spending habits. If you travel, look for a card that offers perks that help with those needs.
💳 If you are hesitant about paying an annual fee, consider cards that don't have one.
💳 Points can feel like free money, but you should plan your spending around what makes economic sense for your life. Consider whether the money you are spending is worth it or if you are spending money just to earn points. |