Johnson Business Machines, Inc.
Less Paper in Push for Plastic
You may not see as many credit-card offers weighing down your mailbox these days.
Less Paper in Push for Plastic Article
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Reward Cards

To maximize your payoff, do the math. Size up your own travel and spending habits, as well as the rebates, rewards and rules.

Years ago, credit card reward programs were simple: There weren’t any.

Then Discover came along with its cash-back offer, and airlines hooked up with banks to issue credit cards that earned frequent flier miles.

Today, consumers face a bewildering array of ways to earn, and spend, credit card rewards:

  • A credit card can contribute to a retirement account, score theme-park tickets or knock thousands off the price of your next car.

  • You can convert miles into hotel stays or restaurant meals -- or use them where you stay and eat to earn extra miles.

  • Once you reach the stratosphere of spenders, you can use your rewards to design one-of-a-kind vacations and “experiences,” like a week at a French cooking school.

  • All this choice leads to inevitable second-guessing. Sure, you’re getting rewards. But are you getting the most rewards possible? Do you have the best card, and are you taking the best advantage of it that you can?

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