--- title: How to Get the Most Out of Your Credit Card description: Credit rewards help you get more from your money, without doing much at all. Here’s how to make the most out of your credit card. image: https://rmcu.net/hubfs/RMCU_MaximizeRewards_Blog_Images_1-1.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/how-to-get-most-out-of-credit-card#financial-education-nav) - [About RMCU ▾](https://rmcu.net/blog/how-to-get-most-out-of-credit-card#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) # How to Get the Most Out of Your Credit Card Read Time **3 mins** | Written by: Rocky Mountain Credit Union [mailto:?subject=How%20to%20Get%20the%20Most%20Out%20of%20Your%20Credit%20Card&body=https%3A%2F%2Frmcu.net%2Fblog%2Fhow-to-get-most-out-of-credit-card](mailto:?subject=How%20to%20Get%20the%20Most%20Out%20of%20Your%20Credit%20Card&body=https%3A%2F%2Frmcu.net%2Fblog%2Fhow-to-get-most-out-of-credit-card) ## Pick the Right Card For You  One of the first steps to maximizing rewards is picking the right card that will give you the most back where you need it. There are all kinds of cards out there that specialize in different types of benefits, but only you know what will do the most for you. The good news is that the VISA Platinum Rewards Card from RMCU gives you the ultimate flexibility and customization, letting you pick from cash, gift cards, or travel when you redeem.    ## Know Your Rewards Benefits  Once you’ve picked your card, get to know your reward benefits. Would it make more sense to pay out of pocket for plane tickets and use your gift card rewards to book hotels and rental cars at your destination? Can you ease financial burden by getting grocery store gift cards and filling up on gas? On the other hand, sometimes cold, hard cash is the best route for you, allowing you to pay your bills and make purchases. Understand what perks your card includes so you don’t leave rewards on the table.  ![RMCU\_MaximizeRewards\_Blog\_Images\_2](https://rmcu.net/hs-fs/hubfs/RMCU_MaximizeRewards_Blog_Images_2.jpg?width=2894&name=RMCU_MaximizeRewards_Blog_Images_2.jpg)   ## Swipe As Often As You Can The key to racking up points is to use your card as much as possible without overspending. That doesn’t mean using your points as a way to justify a shopping spree, but it does mean that pulling out your rewards card and swiping for things like gas, groceries, takeout and all your monthly subscriptions will help you increase that rewards balance faster.   ## Pay Your Bill Each Month  Even though you earn more points the more you use your card, it’s important for your credit and financial health to make payments on time each month. Note your credit card bill’s due date, put it in your calendar, set an alert and make sure you pay on time. It’s a good idea to pay your balance in full each month as well since paying interest on your credit card is a quick way to wipe out any earnings from rewards.     ## ![RMCU\_MaximizeRewards\_Blog\_Images\_3](https://rmcu.net/hs-fs/hubfs/RMCU_MaximizeRewards_Blog_Images_3.jpg?width=2894&name=RMCU_MaximizeRewards_Blog_Images_3.jpg) ## Do the Math to Find Out How Much You Can Earn  Take a close look at your rewards options, and really think through how you can maximize them. It might seem counterintuitive to get a gift card rather than cash back, but since your gift card points go further, it could be the perfect choice for you. Sit down and crunch the numbers, working out what you need the most, and where your rewards can take you.  To learn more about the benefits of the VISA Platinum Rewards credit card, check out the [rest of the RMCU blog](https://www.rmcu.net/blog). Ready to start earning rewards? Easily [apply online now](https://www.rmcu.net/personal-banking/credit-cards).       ***If you enjoyed this blog, you might enjoy these other related blogs: *** - [So You Want to Take Your Kids to Disney World: How Much to Save and How to Do It](https://rmcu.net/blog/so-you-want-to-take-your-kids-to-disney-world-how-much-to-save-and-how-to-do-it) - [Budgeting Your Money Doesn't Have to Stink! Try These Ideas to Make Budgeting Easier](https://rmcu.net/blog/budgeting-your-money-doesnt-have-to-suck-try-these-ideas-to-make-budgeting-easier) - [Creative Ways to Save for College](https://rmcu.net/blog/creative-ways-to-save-for-college) [![Subscribe To Our Blog!](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2687142/dda73c99-1639-4c70-8bd2-a6d699cfcee5.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/2687142/dda73c99-1639-4c70-8bd2-a6d699cfcee5)       ##### Rocky Mountain Credit Union Share the Love [mailto:?subject=How%20to%20Get%20the%20Most%20Out%20of%20Your%20Credit%20Card&body=https%3A%2F%2Frmcu.net%2Fblog%2Fhow-to-get-most-out-of-credit-card](mailto:?subject=How%20to%20Get%20the%20Most%20Out%20of%20Your%20Credit%20Card&body=https%3A%2F%2Frmcu.net%2Fblog%2Fhow-to-get-most-out-of-credit-card) You May Like These ## Related Articles ![](https://rmcu.net/hs-fs/hubfs/RMCU_WhatCC4U_Blog_Images_1.jpg?width=700&name=RMCU_WhatCC4U_Blog_Images_1.jpg) Build Credit ### [How to Pick the Best Credit Card For You](https://rmcu.net/blog/how-to-pick-the-best-credit-card-for-you) Picking a credit card can be overwhelming with so many options to consider. Here are some tips to he... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/X%20Tips%20on%20Using%20Your%20Credit%20Card%20Responsibly1.jpg?width=700&name=X%20Tips%20on%20Using%20Your%20Credit%20Card%20Responsibly1.jpg) Financial Literacy ### [6 Tips on Using Your Credit Card Responsibly](https://rmcu.net/blog/6-tips-on-using-your-credit-card-responsibly) Credit cards can be some of the best tools to reach your financial goals. Here’s how to make the mos... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/RMCU_Blog_Twenty_Somethings_Build_Credit_2.jpg?width=700&name=RMCU_Blog_Twenty_Somethings_Build_Credit_2.jpg) Build Credit ### [5 Ways Twenty-Somethings Can Build Their Credit](https://rmcu.net/blog/ways-to-build-credit) So much depends on your credit score, from rental applications to better rates on big purchases. Her... 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