KEY POINTS
Do you enjoy getting rewarded when you spend money? You can earn rewards when you swipe your credit cards at checkout. If it feels like your reward goals are far out of reach, don't fret.
You can implement strategies to maximize your rewards and reach your goals sooner. Want to boost your credit card rewards in a short period? I'll share a few tips to help you earn more credit card rewards quickly.
Be selective when choosing which credit cards to keep in your wallet. Picking rewards cards that match your spending can help you maximize your rewards, as can being strategic when you pay for purchases.
For example, some cards offer bonus rewards in select purchase categories -- like dining and groceries. If these are high areas of spending for you, opt for cards that reward you for them.
Getting a flat-rate rewards card is another good option if you have regular expenses that don't align with typical bonus rewards categories. Check out our list of the best cash back credit cards to learn more.
Many credit card issuers promote attractive welcome offers or sign-up bonuses that allow you to earn bonus rewards. If you qualify for and meet the conditions of an offer, you can boost your rewards quickly. If you're ready to apply for a new rewards credit card, consider applying for one of the credit cards on our list of the best credit card sign-up bonuses.
OnWells Fargo'sSecure Website.
Rates & Fees
OnWells Fargo'sSecure Website.
Rates & Fees
Good/Excellent (670-850)
Intro APR0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers
Regular APR
19.74%, 24.74%, or 29.74% Variable APR
RewardsEarn unlimited 2% cash rewards on purchases.
2% cash rewards
Annual FeeN/A
$0
Welcome OfferEarn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
$200 cash rewards
This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus and a decent intro APR offer. We simply haven’t come across this combination of top perks in one card before.
If you're a fan of cash back rewards, one credit card to explore is the Wells Fargo Active Cash® Card, which earns 2% cash rewards on all purchases. Plus, if you spend $500 within 3 months of account opening, you'll earn $200 cash rewards. Click here to learn more and apply today.
Most of us have routine living expenses, like groceries and gasoline. Instead of using cash or a debit card to pay for these expenses, why not use a credit card that earns rewards? Some cards can earn as much as 6% back on groceries.
Just make sure you pay your entire statement balance off when your credit card bill arrives to avoid costly interest charges. If you do this, you can stay out of credit card debt.
Another way to earn more rewards quickly is using your cards to pay your bills. Some companies allow their customers to pay bills using a credit card. This payment strategy could help you reach your rewards goals sooner.
But before you switch your payment method for your electric, cellphone, or insurance bill, verify that you won't be charged a fee for using a credit card. These fees can be costly and the added expense could be more than the value of the rewards you earn with your card. Always check to see if additional fees are charged for credit card payments.
One way to get more value from your credit cards is to maximize your rewards potential. Look for opportunities to earn more rewards to reach your goals sooner. Another way to get more value from your cards is to use the card benefits provided, like travel insurance and purchase protections. It's worth checking to see if there are any valuable perks you're not yet using. Credit card benefits can change over time.
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