Many people assume that you need to be traveling to earn and rack up credit card rewards points. Not the case at all, most points are acquired on the ground. You can collect thousands of credit card reward points without ever leaving home.  Once you have received credit card reward points, you can then use them to travel the world. If you get good at this, travel will become cheaper and often free!

*Note: These strategies are only advisable if you are not in debt and can pay off your balances at the end of the month. If you take on credit card debt to earn points, you are doing yourself more harm than good. Make sure you have the funds to pay off your credit card immediately if you plan to use any of these ideas.

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Sign up for credit cards that are offering sign up bonuses

Almost all credit cards offer a sign-up bonus and most waive any annual fees if applicable for the first year. There is usually a spending requirement to get the bonus, and the amounts vary.

Add an authorized user

Many credit cards give you bonus points usually around 5,000 for adding an authorized user who makes purchases in the first few months.

Sign up for emails that go with the credit card to take advantage of specific offers

Credit cards always send special offers, and some can be lucrative like triple points for dining out or buying gas. Often, it requires you to “sign up” for the promotion, but it’s a click or two at most.

Close your credit card and then reapply

Policies on reapplying to vary, so I don’t advise this for cards you want to retain. However, if you only got the card for the bonus to cancel then reapply later on down the line. Typically, you can reapply 24 months later, and for some cards, you can only get the bonus once in a lifetime.

Ask for a Retention Bonus

If it’s a credit card, you love and want to keep. When it comes time to renew the credit card ask for a retention bonus. If there is an annual fee, ask for it to be waived. It may not work but it sometimes does and its sure worth asking!

Credit Card Rewards Points

Pay all your utilities

By “all” I mean pay your phone bills, your cable, the electric, the water and so on using your credit card. You can also include any subscriptions you have!

Pay for all services

Do you get your lawn cut on a monthly basis? Do you use a cleaning service? Put all of these on your credit card!

Use your credit card for all purchases

Buying groceries? Add them to your card. Buying shoes? Add them to your card. All purchases can be added to your card! Well, there are some. For example, you can’t buy a yacht on a credit card!

Use your credit card to buy gas

Let’s face it, we all must buy gas if we own a car. Earn points from the purchase of gasoline. Lots of cards offer double points on gas, so this is a must!

Use your credit card when you dine out

Date night is here, and you are off to dinner – charge it. Lunch at Subway – charge it. Even food trucks accept credit cards!

Pay your property taxes on your credit card

You can rack up some significant points paying your property taxes on a credit card. Some counties will charge a fee or a %, but it’s fractional in comparison to the number of points you can earn.

Pay your mortgage

Not all mortgage companies will allow you to do this, but some will. If you can, this is a must! Paying your mortgage alone on a credit card will score you a flight a year easily.

Pay a down payment for a car

Most dealers will let you put at least $5,000 on a card. Some will allow you to do more.  If you use cash, you are missing a rewarding opportunity!

Pay your car payment

If you have a car payment see if you can set the payments up using your credit card.

Pay your auto insurance

Rather than getting a monthly bill pay it in full and use your credit card.

Pay for tuition

Most colleges now allow you to pay tuition with a credit card. Some will charge a fee some won’t but investigate it if you have tuition fees or are paying for your child’s. Think about it, this is a considerable expense, and you will earn thousands of credit card reward points.

Credit Card Rewards Points

Pay for daycare or afterschool programs

If you have children, think about how much you spend on daycare or after school programs. Think about how many credit card reward points you could be earning.

Pay for home improvements

Planning renovations? Use your credit card for these expenses.

Pay your taxes with a credit card

A lot of people already do this due to need. Even if you have the cash, see if what you would earn is worth the fee which is approximately 2%.

File a complaint

Experienced a delay, cancellation or poor service? Complain! Often this will result in a generous amount of points. I’ve earned as much as 5k credit card reward points for a billing mistake and 20K credit card reward points for canceled flights!

Here is another tip:

Assign the credit card you are collecting credit card reward points on to eBay, Amazon and any other retail sites you use. This way you automatically receive points for purchases.

Again: These strategies are only advisable if you are not in debt and can pay off your balances at the end of the month. If you take on credit card debt to earn points, you are doing yourself more harm than good. Make sure you have the funds to pay off your credit card immediately if you plan to use any of these ideas.

Have any additional ideas? Leave your ideas’ in the comments section.

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