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Maximizing full potential of credit card ?
Hello!
So we have a citicard preferred rewards ( or whatever it is now). We have had it for about 7 years. It is our only card, and we pay it off in full every month. I have been able to get a $100 GC about every other month( used to be better).
Here is my BIG question: I am trying to figure a way to REALLY maximize my rewards. We are getting ready to start building a garage and I should be able to charge around 30,000 within a year ( and pay off as we go each month). I am hoping to earn maybe a free vacation or cruise for the family. I could probably charge 40,000 if needed.
We have been saving, so paying off is no problem.
Is this possible? Right now only 1 pt per $ so not sure how many miles that would even earn if I went that route?
Any super suggestions?
We could likely get any card...super credit. I am just bent on getting the most bang...I am very disciplined in the way we charge/pay.
Thanks in advance for all thoughts!
So we have a citicard preferred rewards ( or whatever it is now). We have had it for about 7 years. It is our only card, and we pay it off in full every month. I have been able to get a $100 GC about every other month( used to be better).
Here is my BIG question: I am trying to figure a way to REALLY maximize my rewards. We are getting ready to start building a garage and I should be able to charge around 30,000 within a year ( and pay off as we go each month). I am hoping to earn maybe a free vacation or cruise for the family. I could probably charge 40,000 if needed.
We have been saving, so paying off is no problem.
Is this possible? Right now only 1 pt per $ so not sure how many miles that would even earn if I went that route?
Any super suggestions?
We could likely get any card...super credit. I am just bent on getting the most bang...I am very disciplined in the way we charge/pay.
Thanks in advance for all thoughts!






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