Should I save credit card points?

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!