As prices rise because of inflation, scaling back expenses isn’t the only way to free up cash to cover essentials. Learn how to maximize value from credit...
As prices on goods and services continue to rise because of inflation, scaling back expenses isn’t the only way to free up cash to cover essentials.
Credit cards can feature valuable perks for new applicants, whether your goal is to pay off debt or save on costs. Even if you already have a card, you may be sitting on targeted offers, rewards or benefits that could make a difference.1. Introductory offers If you’ve got good credit and a big expense coming up, consider financing it with a credit card that offers a 0% intro annual percentage rate on purchases and a sign-up bonus.
Aim for a fee of 3% of the transferred balance or lower. Compare that fee with the cost of long-term interest payments on your current card to determine which option saves more money. If the balance transfer makes sense, make a plan for it. The predictability of these types of payments can make it easier to budget for them, and such plans could save you money if their fee or interest rate is cheaper than your card’s normal APR. The plans don’t require a credit check, and you can generally still earn rewards on purchases if the card offers them.3. Rewards on purchases A credit card that offers a rewards rate of 2% back on all purchases — or 3% or more back in specific categories — can help lessen the pain of rising prices.
4. Merchant-specific discounts Some major credit card issuers offer discounts or rebates when you use a credit card to shop with specific merchants in categories like everyday purchases, gifts and travel. These one-time offers may be found in your account or email, and you normally have to “activate” them or add them to your card.
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