How to Earn Credit Card Points (5 Steps)

Find a credit card with a strong rewards program. Make sure that you read the credit card agreement you receive in the mail after the lender approves your application. The advertised rewards programs are rarely identical to the agreement you receive in the mail. Check to make sure that the program is acceptable to you before activating the card.
Review your credit card agreement very carefully. In many cases, stipulations about credit card rewards programs are buried deep within fine print and have many conditions that must be satisfied to redeem the rewards. In most cases, you will need to charge a certain amount of money to the credit card before being allowed to redeem any rewards points.
Spend money using your credit card. The more money that you spend using it, the more rewards that you'll qualify for. You'll need to spend hundreds of dollars a month and thousands of dollars a year to qualify for the full extent of most rewards programs.
Pay off your balance in full along with all other fees every month. Avoid becoming late on any payments by scheduling automatic online payments at least a few days before payments become due. Credit card companies may adjust your agreement and take away rewards points if you become late on payments.
Request the rewards catalog from your credit card company if your rewards program allows you to redeem points for consumer goods like televisions, cell phones and magazine subscriptions. Other rewards programs offer compensation for airline tickets. Certain cards offer membership benefits like access to special lounges at airports, reservations at exclusive restaurants and more.
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