{"id":65757,"date":"2018-10-15T18:18:17","date_gmt":"2018-10-15T18:18:17","guid":{"rendered":"https:\/\/one.sightlinemg.com\/armytimes\/native\/uncategorized\/how-to-make-the-most-of-credit-card-rewards\/"},"modified":"2026-08-08T12:02:51","modified_gmt":"2026-08-08T12:02:51","slug":"how-to-make-the-most-of-credit-card-rewards","status":"publish","type":"native","link":"https:\/\/one.sightlinemg.com\/armytimes\/native\/navy-federal\/how-to-make-the-most-of-credit-card-rewards\/","title":{"rendered":"How to make the most of credit card rewards"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Choosing the right credit card is an important financial decision \u2014 but with hundreds of different rewards programs to pick from, sifting through and making the right choice can seem daunting. Knowing what to look for before you search can help take some of the pressure off. With a strategic approach, it may even be as easy as 1-2-3!<\/p>\n\n\n<figure class=\"wp-block-smg-jwplayer-video\"><atype-video-jwplayer nostick=\"true\" playlisturl=\"https:\/\/cdn.jwplayer.com\/v2\/playlists\/fCzRqMW8?tags=a6b873f8-7579-4d47-88eb-e77b2a395e2f\" aspectratio=\"16 \/ 9\" mute autostart=\"false\"><\/atype-video-jwplayer><figcaption class=\"wp-element-caption\">Making Cents: Credit Card Rewards<\/figcaption><\/figure>\n\n\n<p class=\"wp-block-paragraph\"><b>Follow your cash flow<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A recruit just starting out sees a much different financial picture than a servicemember with a few years under their belt \u2014 and the ideal card for each is probably different, too. Start by assessing where you are in your financial life. <a href=\"https:\/\/makingcents.navyfederal.org\/knowledge-center\/credit-cards.html\">Are you ready<\/a>for a credit card? If this is a second or third card, how does it fit in with the rest of your wallet? You may have outgrown the card you chose when you were just starting out, or you may be looking at options that would actually make better sense for you a few years down the road.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then, take a look at your budget. What does your spending look like? Many cards offer rewards on certain items or at certain locations, such as gas stations or grocery stores. It\u2019s important to understand how and where you plan to use your card in order to pick the one that\u2019s right for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Looking at your bank account is an easy way to do this. Take note of what you\u2019re spending the most on and consider a card that rewards you for these purchases. For example, if you see you\u2019re swiping more each month at grocery stores than you are at restaurants, a card that offers more points on dining out probably isn\u2019t the best fit. Instead, maximize your value and go for one that rewards you for your hauls at the supermarket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>Read the fine print<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Be sure to read the terms and conditions that come with your card of choice before you decide. Some cards have rewards thresholds. This means if you cross a certain spending point, the rewards value you receive for each additional dollar spent may go down. Let\u2019s go back to that grocery store example: Maybe you earn three points for every dollar spent on groceries. Comb through the fine print to see if there are any limitations on how much you can spend at grocery stores if you want to earn the maximum rewards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can use a rewards calculator to predict your earnings on an annual basis. Calculators, <a href=\"https:\/\/www.navyfederal.org\/products-services\/cards\/creditcards\/gorewards.php\">like this one<\/a>from Navy Federal Credit Union, let you organize your spending by category so you can see where you\u2019d reap the most rewards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>Watch your rewards points<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keep an eye on your <a href=\"https:\/\/www.navyfederal.org\/products-services\/cards\/creditcards\/redeem-rewards.php\">rewards points<\/a>and understand how they add up. 80,000 points sure sounds like a lot \u2014 but how valuable is it really? Calculating the baseline value will help you understand how rewards translate to dollars \u2014 which comes in handy whether you\u2019re comparing offers or wondering what you\u2019re getting out of your current card. You can do this easily by following the &#8220;one-percent rule.&#8221; Simply remove two zeros from your point total to find the cash redeemable value. So, 80,000 points translates to $8,000. This simple equation works well for one-point programs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check <a href=\"https:\/\/www.navyfederal.org\/account-management\/how-do-i\/online-banking.php\">your account statements<\/a>daily. Keeping tabs on how much you\u2019re using your card can help you stay on top of payments and see if any changes have been made to your account or program. You\u2019ll also see your rewards add up as you swipe. Knowing how many points you\u2019ve earned thus far will help you see if you\u2019re close to hitting those thresholds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After you\u2019ve looked at your budget, read up on potential limitations and restrictions, and started spending responsibly \u2014 you\u2019re ready to redeem your rewards! Most financial institutions make reward redemption easy. Some <a href=\"https:\/\/www.navyfederal.org\/membership-benefits\/offers-discounts\/member-mall.php\">offer online shopping portals<\/a>where you can use points to make purchases. You may even be able to put your rewards points toward your balance. If you have questions at any point in the decision making process, touch base with a representative at your bank or credit union \u2014 they\u2019ll be able to help you choose and use the most valuable card for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may also like:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 <a href=\"http:\/\/blog.navyfederal.org\/smart-spending\/credit-card-budgeting-tool\">How Your Credit Card Can Be Your Most Powerful Budgeting Tool<\/a>\u00b7 <a href=\"http:\/\/www.militarytimes.com\/articles\/paying-off-debt-a-credit-card-experts-guide-to-balance-transfers-jan-30-navy-federal\">Paying off debt: A credit card expert\u2019s guide to balance transfers<\/a>\u00b7 <a href=\"http:\/\/blog.navyfederal.org\/off-the-press\/cash-rewards-card\">Choosing the Right Cash Rewards Card<\/a><i>Navy Federal is federally insured by NCUA.<\/i><\/p>\n\n\n\n<a href=\"https:\/\/www.navyfederal.org\/pdf\/ebrochures\/3035_EHL_Poster.pdf\"><i>Equal Housing Lender.<\/i><\/a>\n","protected":false},"author":7,"featured_media":99052,"menu_order":0,"template":"single-native-legacy","meta":{"_acf_changed":false,"_acf":"","_yoast_wpseo_primary_category":"11"},"advertiser":[3438],"class_list":["post-65757","native","type-native","status-publish","has-post-thumbnail","hentry","advertiser-navy-federal"],"acf":{"subheadline":"","legacy_arc_id":"O36HVIWSIZBYTHW3MHRWKX6WVQ","arc_canonical_url":"\/native\/navy-federal\/2017\/05\/12\/how-to-make-the-most-of-credit-card-rewards\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to make the most of credit card rewards - Army Times<\/title>\n<meta name=\"description\" content=\"Choosing the right credit card is an important financial 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