--- title: 6 Ways to Use Your Platinum VISA Rewards description: Rewards credit cards add the secret sauce to your daily spending. They help turn those everyday expenses into future fun when you earn points. image: https://rmcu.net/hubfs/RMCU_visa-rewards-blogHeader.jpg --- [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) [Online Banking Login](https://banking.rmcu.net/auth/signin) [Online Banking Login](https://banking.rmcu.net/auth/signin) [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) - - [Home Loans](https://rmcu.net/home-loans) - [Personal](https://rmcu.net/personal) - [Business](https://rmcu.net/business) - [Membership](https://rmcu.net/membership) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Contact Us](https://rmcu.net/contact-us) - Search - [Financial Education ▾](https://rmcu.net/blog/6-ways-to-use-platinum-visa-rewards#financial-education-nav) - [About RMCU ▾](https://rmcu.net/blog/6-ways-to-use-platinum-visa-rewards#about-rmcu-nav) - [Security](https://rmcu.net/membership/security) - [TruStage: Security Alert](https://rmcu.net/trustage-security-alert) - [Money Mastermind](https://rmcu.net/money-mastermind-lessons) - [Financial Counseling](https://rmcu.net/financial-counseling) - [Savvy Money](https://rmcu.net/membership/financial-education/savvy-money) - [Blog](https://rmcu.net/blog) - [Resources](https://rmcu.net/resources) - [RMCU Team](https://rmcu.net/membership/about-rmcu/rmcu-team) - [Member Information](https://rmcu.net/membership/about-rmcu/member-information) - [Annual Meeting](https://rmcu.net/membership/about-rmcu/annual-meeting) - [Community](https://rmcu.net/membership/about-rmcu/community) - [Our History](https://rmcu.net/membership/about-rmcu/history) [back to blog](https://rmcu.net/blog) [Build Credit](https://rmcu.net/blog/topic/build-credit) # 6 Ways to Use Your Platinum VISA Rewards Read Time **2 mins** | Written by: Rocky Mountain Credit Union [mailto:?subject=6%20Ways%20to%20Use%20Your%20Platinum%20VISA%20Rewards&body=https%3A%2F%2Frmcu.net%2Fblog%2F6-ways-to-use-platinum-visa-rewards](mailto:?subject=6%20Ways%20to%20Use%20Your%20Platinum%20VISA%20Rewards&body=https%3A%2F%2Frmcu.net%2Fblog%2F6-ways-to-use-platinum-visa-rewards) ## Gift certificates for necessities You get more bang for your reward points when you use them to redeem gift cards. So rather than getting cash back at a slightly lower rate, you can exchange points for gift cards at various spots. When you use those gift cards for the spending you need, like paying for gas and groceries, it’s basically like you’re getting a better deal on cash back.   ## Cashback One of the best perks of the Platinum Rewards card is its flexibility. So even if you can’t find the gift card you’re looking for, you can always take the cashback for the ultimate flexibility. Because sometimes, you just need a little extra in your pocket, whether you stash it in savings or use it to pay your monthly bill.   ![RMCU\_visa-rewards-blog2](https://rmcu.net/hs-fs/hubfs/RMCU_visa-rewards-blog2.jpg?width=1000&height=667&name=RMCU_visa-rewards-blog2.jpg) ## Booking Plane Tickets The traditional way to use your credit card points is to travel. Hop on a flight to Hawaii to escape winter, embrace the powder days of ski season with a trip to Tahoe or Alaska, or skip town even harder with a trip around the world. And with tickets based on the lowest available published fare, you know your points can get you farther.   ## Giving interest the boot Yes, you want to pay off your credit card bill every month to avoid paying interest on purchases. But sometimes, life happens. And if that’s the case, and you find some interest owed on your next bill, you can use your rewards to pay origination fees or interest on your Visa Platinum Rewards card.   ![RMCU\_visa-rewards-blog3](https://rmcu.net/hs-fs/hubfs/RMCU_visa-rewards-blog3.jpg?width=1000&height=667&name=RMCU_visa-rewards-blog3.jpg) ## Scoring hotel stays When choosing cashback or scoping out the possible gift cards, you can use your points to book hotel stays with those rewards. So if you can find a gift card for your favorite hotel or use your cashback benefits to pay your way, you can use your points to book travel far beyond plane tickets.   ## Mix and match rewards The beauty of the Platinum Rewards VISA is that you don’t have to choose one way to cash your rewards. Use your points to book a flight, and then earmark the remainder for gift cards to help you get the best holiday gifts for your family. And next time you rack up some points, cash back might be the better option. There’s no one correct answer, so enjoy everything your spending can earn you in rewards.  When you’re ready to turn your purchases into fun, [apply online](https://www.rmcu.net/personal/visa-credit-cards) for the RMCU Visa Platinum Rewards card. And with a rate as low as Prime +4.74 variable and no annual fee, you can benefit without spending any extra. ##### Rocky Mountain Credit Union Share the Love [mailto:?subject=6%20Ways%20to%20Use%20Your%20Platinum%20VISA%20Rewards&body=https%3A%2F%2Frmcu.net%2Fblog%2F6-ways-to-use-platinum-visa-rewards](mailto:?subject=6%20Ways%20to%20Use%20Your%20Platinum%20VISA%20Rewards&body=https%3A%2F%2Frmcu.net%2Fblog%2F6-ways-to-use-platinum-visa-rewards) You May Like These ## Related Articles ![](https://rmcu.net/hs-fs/hubfs/RMCU_Visasept-2_c.jpg?width=700&name=RMCU_Visasept-2_c.jpg) In The Community ### [Getting Your First Credit Card](https://rmcu.net/blog/getting-your-first-credit-card) There are all sorts of important financial milestones in your life. Here's how your first credit car... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/RMCU_HomeEquity_Blog_Images-1-1.jpg?width=700&name=RMCU_HomeEquity_Blog_Images-1-1.jpg) Tips from the Pros ### [Ways to Take Advantage of the Equity In Your Home](https://rmcu.net/blog/ways-to-take-advantage-of-equity-in-your-home) Your house is more than just a home: it’s an investment in your future. Here are a few ways you can ... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/Campaigns/Daily%20Life%20Blogs/how-to-fund-your-home-improvement-projects.jpg?width=700&name=how-to-fund-your-home-improvement-projects.jpg) Home and Mortgage ### [How to Fund Your Home Improvement Projects](https://rmcu.net/blog/how-to-fund-your-home-improvement-projects) There are many ways to fund your home improvement projects aside from cash savings. Take a look at t... 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