. One card might offer 2 points per dollar at restaurants and just 1 point per dollar at grocery stores , while another might offer 1.5x points at grocery stores, or 3x on flights, and so on.
The good news is that with most of the major credit card rewards programs, you can pool your points if you have multiple cards in that program. By optimizing your card strategy, you can use various cards with different bonus categories and have all the points drop into one common pool, ready for you to redeem for travel, transfer to frequent flyer programs, or, if you prefer, exchange for cash back .
Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back.
and Citi ThankYou Rewards. These programs have their own sets of travel partners where you can use your points, so it's worth comparing the options to see which program best aligns with your travel goals. Because Chase Ultimate Rewards offers a good balance of hotel and airline partners as well as the opportunity to get 1.25 to 1.
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Source: BusinessInsider - 🏆 729. / 51 Read more »