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Make sure that you can transfer points between cards if that’s the case.
Chase offers the option to transfer points between Chase cards which makes it easy to cash in your points later.
Therefore, I focus on earning and redeeming credit card points towards travel.
You might use the cash back option to refocus money towards other financial goals.
Next, it is a good idea to put almost all of your purchases on one card.
I am not making much headway due to the interest rate.
You may have signed up for a credit card that offers double points on specific purchases.
Maybe you use a credit card for your normal expenses so you can rack up enough points to take a free trip.
Justine enjoys writing and speaking about all things personal finance.
This Midwest millennial paid off k in student loan debt and now resides in San Diego with her husband living the DINK life (Dual Income, No Kids).
I basically live paycheck to paycheck and don’t spend on things other then what’s needed.