Introduction

Credit card rewards are an incredible way to earn free travel, cashback, and exclusive perks—if you know how to use them correctly. But with so many cards, bonus categories, and limited-time offers, it can feel overwhelming. How do you make sure you’re always earning the most rewards possible without spending hours tracking everything?

The good news? Maximizing your rewards doesn’t have to be complicated. In this guide, we’ll break down the essentials of getting the most value from your credit cards—without spreadsheets, stress, or missed opportunities. Plus, we’ll introduce you to an exciting new tool, Perxy (coming soon), that will make optimizing your rewards completely effortless.

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How Credit Card Rewards Work

To get the most from your credit cards, you need to understand the three main types of rewards:

• Cashback – Earn a percentage of your purchases back as statement credits, deposits, or checks.
• Points – Flexible rewards that can often be redeemed for travel, gift cards, or cashback (e.g., Chase Ultimate Rewards, Amex Membership Rewards).
• Miles – Airline and hotel-specific points for free flights, upgrades, and hotel stays.

The trick? Using the right card for the right purchase. For example, why use a general 1.5% cashback card when you could earn 3x points on dining and 5x on travel? Every missed multiplier is a wasted opportunity.

Perxy will automatically tell you which card to use for every purchase so you never miss out.

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Find the right credit card for your needs from our favorite credit cards

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Common Mistakes That Cost You Rewards

Even the most seasoned cardholders make mistakes that leave rewards on the table. Here are the most common pitfalls and how to avoid them:

• Using the wrong card for purchases – Not all cards reward the same spending categories equally. Always use the card with the highest multiplier for each purchase.
• Forgetting about annual credits and perks – Many premium cards come with travel credits, dining credits, and shopping protections that go unused.
• Missing out on limited-time offers – Some credit cards offer temporary bonuses or spending promos, but keeping track of them manually is tough.
• Letting points expire or devalue – Some loyalty programs devalue their points over time, meaning you should redeem them strategically instead of hoarding them.

Perxy is coming soon to make sure you never miss a perk, bonus, or high-value redemption opportunity.

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Rather than keeping a mental note or an outdated spreadsheet, the smartest way to maximize rewards is by using technology to handle the tracking for you. Here’s what you can do right now:

• Set up category reminders – List your top spending categories (dining, groceries, travel, etc.) and pair them with your best rewards cards.
• Use banking alerts – Some credit cards let you track rewards progress via your bank’s app.
• Join travel hacking communities – Stay up to date with limited-time bonuses by following forums like FlyerTalk, AwardWallet, and Reddit’s r/awardtravel.
• Keep an eye on sign-up bonuses – New credit card offers with high welcome bonuses can give you a massive boost in points.

Soon, Perxy will automate all of this for you—so you can earn more without lifting a finger.

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The Future of Effortless Rewards Optimization

You shouldn’t have to second-guess whether you’re earning the most points, using the right card, or taking advantage of all your benefits. The best part? You won’t have to for much longer.

Perxy is launching soon—a smarter way to automate your rewards, maximize earnings, and make credit card perks work for you. Sign up to be the first to know when we launch.