How to Boost Your Credit Card Rewards Balance

Tuesday, February 17th, 2015

If you’re an active user of credit card rewards, you may think you already know how they work. You spend money on your card and collect the points, dollars, or cash back that accrue from each purchase. Then, after saving up until you have enough to redeem, you choose how to spend them: gift cards, statement credits, hotel stays, flight upgrades. You name it, there’s a reward redemption option for you.

But did you know that there are more ways to boost your credit card rewards balance than just by making purchases? Here are a few other ideas to maximize your rewards, including some you may not have been aware of:

  • Join some frequent flyer programs. Loyalty programs like United MileagePlus, Delta SkyMiles Southwest RapidRewards and others all offer periodic promotions that allow members to earn extra miles. These can then be combined with your credit card rewards miles balance. All you need to do is go to the sites of the airlines you frequent – or might frequent, if you had the miles – and sign up. Opt in to receive emails that will alert you to special promotions, so you don’t miss out on any opportunities to rack up rewards.
  •  Sign up to dine out. There are several dining programs associated with frequent flyer programs that allow you to earn miles or points for dining out and writing a review of your experience. You’ll need to use the credit card associated with the program you’re a member of, so make sure you pick the one you want to use to pay for dinner or drinks when you sign up for the dining program. To find one of these programs, just visit the websites of the frequent flyer programs you joined and click on the current promotions.
  •  Apply for another credit card. Signup bonuses can be a very lucrative way to increase your rewards balance. Make sure you look around for the best deal, because these offers frequently change. Many co-branded airline cards offer signup bonuses good for enough points to take a round-trip flight, or for a weekend in a hotel. Just don’t apply for too many cards at once, or it can negatively affect your credit score. Stick to one or two great rewards cards with big bonuses.
  •  Book premium seats when you fly. Spending more money means getting more rewards, but not just because you get a certain number of miles per dollar spent. Look for promotions and deals that give you extra miles for flying first class or business class. Once you get in the habit of flying premium, it might be hard to go back to coach class. Luckily, there are enough great ways to earn rewards flying premium that you may not have to.
  •  Transfer your points. Here’s where being a member of multiple frequent flyer programs comes in handy. Sometimes transferring your points or miles from one program to another can mean getting more. Check out the fine print on your rewards program or call to find out whether you can transfer points from a program you don’t use as much, to one that offers more bang for the buck.

There are so many ways to earn credit card rewards—especially frequent flyer miles—that you’ll do yourself a big favor when you explore some new rewards-earning territory.

Latest Credit Card Rewards Guides

Three Rules For Getting The Best Credit Card Reward Offers January 24th, 2018

People often wonder what kind of credit card will give them the most valuable credit card rewards. Should they get a travel rewards card, or a co-branded airline card, or a cash back card with rotating reward categories?
Continue »

The One Thing You Need To Know About Rotating Rewards Credit Cards July 18th, 2017

If you have a cash back credit card, chances are it’s one that offers you 5% back in certain spending categories that change each quarter. These types of cards are some of the most popular cash back cards, and for good reason. It’s an easy way to earn cash back in different ...
Continue »

Unexpected Ways to Earn Credit Card Rewards May 17th, 2017

Double and triple points can boost your rewards balance, while rotating categories of 5% back often let cardmembers earn up to $75 cash back per quarter.
Continue »

How a Travel Rewards Card is Different From Other Rewards Cards December 28th, 2016

Did you know that a credit card could do much more for you than simply pay for purchases? A credit card is a tool, not just a payment method, and if you choose the right tool, you’ll be able to do more than you ever thought possible.
Continue »

5 Unexpected Perks of Rewards Credit Cards June 15th, 2016

Rewards credit cards are great for earning airline miles, cash back, and points to use in a variety of ways. But there are some benefits to cash back cards that you might not know about. Here are five unexpected perks that your rewards credit card might offer you
Continue »

Best Credit Offer
Discover it® - Cashback Match™
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Consumer Rating: 5 / 5
Horizon Card Services Horizon Gold Credit Card
Copyright © 2001-2018 All Rights Reserved.

* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions. makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that may be compensated by the credit card issuers when the readers apply for a credit card through this site. is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. does not review or list all available financial or credit offers.

Disclosure: Not an access card.

User Generated Content Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.