Welcome to my MissBeHelpful channel!
Cash back on gas and groceries, bonus points, flight miles, restaurant perks… the list of credit card rewards goes on and on and on!
In this video, I talk about the things to consider when deciding which card is best for you and I share some tips for what you should and shouldn’t do to get rewards. Enjoy!
Here are some links I found helpful:
More from MissBeHelpful:
My VERY FIRST video (AWWW):
How to Improve Your Credit Score FAST:
Common Credit Card Myths:
How I Save Half of My Income:
Why You Need to Start Retirement Saving in Your 20’s:
5 Things to Consider When Applying for New Credit Cards:
Become and Expert at Reading You Credit Card Statement:
How To Improve Credit With Limited or No Credit History:
Best Apps to Save for Retirement with a ROTH IRA:
Best New Way To Improve Credit – No Credit Card Required:
How Trump Can Affect Your Finances:
How I Use the Grace Period to Avoid Paying Interest:
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’Til next time… PEACE!
hi YouTube it's Jenna here in my last video I told you guys what to look out for when applying for a new credit card now one of the things that I said you should avoid is paying an annual fee but I must admit to you guys that I do have one credit card with an annual fee and the reason why I made the decision to apply for that card is because it's got some really great rewards and perks if you're missing payments or carrying a balance over four months a month on your credit cards then I would say you are not ready just yet to pay annual fees for rewards program wait till you're really close to being debt-free or until you're completely debt-free and then you can graduate up to paying an annual fee for a really great rewards program there's lots of credit cards that offer rewards programs for free so I would suggest you look into some of those do apply for credit cards with rewards that align to your needs and interests now this one's going to be pretty obvious but it's really important if you don't need out at restaurants a lot then it doesn't make sense for you to apply to a credit card that offers you rewards at restaurants really think about what it is that you need and spend the most money on or what it is that you're really interested in and then apply for a credit card that offers rewards and perks in that specific area don't spend money that you don't have just to get rewards this one's really hard because as soon as you open up a brand new card the credit card issuers put pressure on you to try to spend more to get perks for example they'll say spend $1,000 in the first 90 days and you'll get 20,000 bonus points but if you don't usually spend $1,000 in three months you shouldn't go on a shopping spree just so that you can get to $1,000 to get those reward points because in essence what you're doing is just paying extra money for them do charge any purchases that you're going to get reimbursed for onto your rewards credit card that way you can rack up on those points and then later you can deposit the cash into your checking account and pay the credit card bill in its entirety this is also a really good thing to keep in mind if you work at a place where you expense different purchases like supplies or transportation don't apply for lots of different cards that offer lots of different rewards it's going to take forever for you to get any of the rewards from any of those cards it makes more sense for you to be strategic put all of your typical expenses on one major credit card so that you can really maximize the rewards that it's being offered this way you're going to get the most bang for your buck in the form of your most preferred reward do shop around for the best offer let's say you've decided that you really want to earn flight miles just because you made that decision does it make a plan for a specific credit card any easier there's so many different credit cards out there that offer flight miles as a matter of fact most airlines actually offered their own credit card to you so it's really important that you do your research compare rates before applying don't apply for a credit card with rewards that expire lots of different credit cards have actually eliminated the expiration date but it's not the case with every credit card so be really careful and make sure that you read the terms and conditions of your credit card all right you guys there you have it those are the do's and don'ts of credit card rewards if you have any comments or questions feel free to put those down below or you can message me privately at mis be helpful @ gmail.com till next time peace