Smart ways to use credit cards to your advantage :

• Match your card to your spending: Different cards offer rewards for different categories like travel, groceries, or fuel. Find a card that rewards the way you already spend.

• Maximize your welcome bonus: Many cards offer a big sign-up bonus for spending a certain amount in the first few months. This can be a great way to jumpstart your rewards.

• Pay your bill in full and on time: Avoid interest charges by always paying your statement balance by the due date.

• Take advantage of reward multipliers: Some cards offer bonus points or cash back on certain purchases during specific times.

• Use your points strategically: Redeem your points for travel, statement credits, or gift cards. But remember, aim for the redemption option that gives you the most value.

• Track your rewards: Keep an eye on how many points or miles you have and when they expire.