Credit card rewards offer the allure of "something for nothing," and the way they work is simple. By using a rewards credit card for regular purchases, you can earn anywhere from 1-5 percent cash back. And as long as you avoid credit card interest, this is "free money" for the taking.
Best Travel Rewards Tools for Frequent Flyers and Credit Card Rewards Junkies
Still, some people take their pursuit of rewards even further. With certain websites and apps, they track their rewards diligently and learn to maximize the rewards they have.
If you're interested in taking your credit card rewards game to the next level, check out these tools and applications that can help you get ahead:
Are you tired of managing log-ins for your favorite loyalty programs? Are you sick of forgetting which points you have, and when they expire? AwardWallet offers the perfect solution to this common problem. Once you sign up for an account, this website lets you track all of your credit card points, frequent flyer miles, and hotel points in one place.
Beyond tracking your balances, AwardWallet is set up to notify you before your points expire. That way, you can spend down your balance, earn more points to reactivate your account, or transfer your points elsewhere to keep them alive.
If you have a ton of different loyalty accounts, signing up for AwardWallet is a no-brainer. Not only can you track everything with one log-in, but you can avoid losing track of valuable credit card points over time.
While TripIt doesn't manage your frequent flyer miles per se, it does help manage your travel plans. Here's how it works: Once you sign up for TripIt, you'll begin forwarding all of your hotel, flight, rental car, and dinner reservations to the app. Somehow, TripIt jumbles all of your information together to create a master itinerary. Once your itinerary is set up, you can view it anywhere – and on almost any type of device.
Obviously, this is huge! With your itinerary and all of your confirmation numbers on-hand at all times, you'll never worry about searching for you flight number or your hotel reservation code. Plus, you'll be notified right away if your flight is delayed or cancelled. Simply bring up the app on your mobile device or tablet, and your details are right there. It's as simple as that.
Reward Summit works similarly to AwardWallet in that it tracks your frequent flyer miles, hotel points, and credit card points all in one place. The secure and easy-to-use app makes it easy to check your account balances, figure out which card to use for a purchase, or see how your rewards are performing compared to other Reward Summit users.
The fact that Reward Summit tells you which card to use to maximize your rewards is a huge bonus. By using a card that offers more points wherever you're at, you can maximize the points you earn over time. And if you share credit cards with your spouse, you can sign up for an account together and link all of your credit cards and loyalty accounts in one place.
If you can get past the funny name, Smorecard will boost your earning potential over time. With this smart application, you'll find out which credit card is best to use with every purchase you make.
If you're at a restaurant and log into Smorecard, for example, the app will likely tell you to use a card that earns additional points on dining. The same thing can be said whether you're shopping at a department store, in a fast food drive-thru, or at a home remodeling store. Once you add your credit cards to Smorecard, you're only a few clicks away from finding out which of your cards offers the most "bang for your buck."
LendingTree's Credit Card Tool
Can't decide which credit card to sign up for? LendingTree can help. With our interactive credit card guide, you can find out the best credit card for your goals and credit score.
Once you're on the page, you'll be asked which range your credit score falls into. To qualify for the best cards, you usually need a credit score of 720 or higher.
Once you have entered your credit score, you can search among different types of cards that might fit the bill. For people with high interest credit card debt, a zero percent interest credit card might be perfect. For someone who wants rewards, on the other hand, a travel credit card or cash back card might work best. Either way, you can use this website to compare cards and read detailed reports on how they work. And with enough research, you're bound to find the right credit card for your wallet.
Whether you want to manage the credit card rewards you have, maximize the points you earn, or find the best new card to sign up for, these apps can help. And most of the time, all you have to do is sign up and connect your accounts to get started today.