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What Are Reward Points? Reward points are points which a user can collect following each purchase that they make with their credit card. As it usually goes, higher value purchases will earn you more points than smaller value purchases. Try to look around, major department stores and shops should normally office similar programs. Best of all, these programs are typically free to join. Dont wait, try to sign on up yourself!

The smart financial decision is to use your store rewards promptly. Saving $20 on a purchase today is better than saving $20 on a purchase a year from now. After you've hit the minimum redemption amount, apply your store rewards towards your next purchase. You will be able to save a lot of money by taking advantage of reward points. However, remember not to just buy at full price, looking for sale and promotions to double up savings!

Never heard of loyalty discount? You are missing out good saving!

Loyalty discounts also called patronage discounts are discounts offered to repeat customers to encourage larger purchases. Loyalty discounts give incentives on price or extra benefit or discounted rates for customers who are loyal to the brand.

Here are five benefits of frequent flyer programs that go beyond earning a free or discounted flight.

  • Easy check-in. Gareth Cattermole/Getty Images for British Airways.
  • Flight amenities.
  • Trade points for experiences.
  • Trade points for subscriptions, merchandise, technology, and more.
  • A high-altitude proposal.

it is very easy to maximize credit card rewards following these steps:

  • Use the right card.
  • Earn the welcome bonus.
  • Check for limited-time offers.
  • Combine points.
  • Pay your bill in full.

One key point is to make sure you dont just spend for sake of getting the points. Try getting the point as your day to day spend is a better way.