Track point expiration dates to avoid losing value

Organize your cards by purpose to avoid confusion

Use your rewards for gift cards or cashback

Negotiate your interest rate if you have strong payment history

Consider cards with rotating categories to maximize returns

Always review your statement for unauthorized charges

Match card perks with your biggest monthly expenses

Avoid foreign transaction fees when traveling abroad

Use your card’s insurance benefits for added protection

Know when a business credit card is a better option

Don’t cancel old cards unless absolutely necessary

Choose between points and miles based on your habits

Look for cards with annual fee waivers for the first year

Leverage travel cards for perks beyond airfare

Track spending by category using card analytics

Balance transfer cards can save you — if used wisely

Request credit limit increases only when it makes sense

Don’t fall into the trap of minimum payments

Keep utilization low to improve your credit score

Use virtual cards for safer online shopping

Compare reward programs before applying for a new card