Chip Chick
Start paying with your credit card now to benefit you later
If you haven’t racked up a ton of credit card points or cashback benefits yet, that’s okay! Start using your credit card for all of your holiday shopping now so that you can build up those points for next year and future events. If you know you’ll be able to pay your next credit card bill on time, go ahead and use it as much as you can to gain more benefits for the next holiday season!
Use your points for travel
One of the best parts about having a credit card that racks up travel points and airline miles is getting to use them during a time when airline travel is at the highest rates, which is usually during the holidays. I know people who have saved up so many travel points that they’ve been able to score a flight across the country for less than $100.
If you have to travel to visit with friends or family this holiday season, use up those travel points and airline miles! You’re already spending money on gifts and other expenses, so you might as well save money on travel if you can.
Use travel discounts
Similar to product discounts in your credit card portal, there may also be discounts on travel opportunities you could use! For instance, some credit cards offer 10% off hotel bookings in a certain area, $25 off a rental car, etc. See if any of those discounts apply to the area you’re traveling to and utilize them!
Again, while credit card usage can get risky if you’re not careful, there really are so many benefits that come with them that you shouldn’t be afraid to use. Do some research on your specific credit card to see just how much you can redeem, and rest easy knowing you’ve saved some money this holiday season!
