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I am so excited to pronounce that I am going on a Caribbean cruise and going to stay in a suite. In a few days my wife and I are going to wake up in the morning and step out on to our private balcony to enjoy the view on the blue ocean. I must say we are not amongst the richest people and I’m quite the penny pincher so how can we afford a suite made for the rich and why do I agree to pay for it? It’s simple, our rewards credit card is making it all possible.
I’m surprised at how many people do not take advantage of a rewards credit card and how many do not even know know what one is. The concept of these cards is very simple. You receive a certain amount of points for every dollar you spend with the card. Once you have enough points, you are able to purchase merchandise with your points.
Some rewards cards are specifically made for a specific type of reward. There are cards that will earn you airline miles, discount on gas or rebates towards the purchase of a new car. Others cards allow you to purchase anything in the company’s catalog.
Remember that one point is not worth one dollar. A $50 gift card does not cost you 50 rewards points. I would have to pay 5,000 points for a $50 gift card in one of my rewards catalogs!
Not a great deal, right? Well, on the second thought it is a really great deal. Think about it like this. you would use your credit card with or without the rewards points, right? The points are just an extra benefit for you.
You will have to look around for a suitable credit card for you. Some cards have annual fees while others don’t. Some pay you more points for certain purchases while others pay you a set amount of points for all your purchases. All cards have different rules and regulations for earning points. Take a close look at the cards with annual fees. As with most things, you get what you pay for.
There is only one little disadvantage. Although rewards credit cards are a efficient way to save money, if you fail to pay your credit card bill in full each month, the interest you’re paying is canceling the financial benefits you would gain. Even if paying interest, it still pays to have a rewards credit card. Your rewards are simply paying a small portion of your interest.
How many rewards points did it take to pay 60% of my luxury cruise? Here are a few hints: It took a few years to accumulate the points and if I had that amount of rewards points in actual dollars, I could probably consider myself wealthy but if you employ a few key strategies, it doesn’t take as long as you would think. I’ll tell you about them in another article.
You may have already been on a cruise but this is my first so my friends are probably tired of hearing me talk about it. Nothing tastes better than a free dinner, though, and the fact that this vacation is costing me very little is a penny pincher’s dream come true. If anybody tells you that a rewards credit card isn’t worth the time or the annual fee, send them to me. I’ll tell them how blue the water was.

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