This is a sponsored post written by me on behalf of Chase Ultimate Rewards. All opinions are 100% mine.
For the past decade or so, I’ve used my credit card for most purchases. In fact, it’s pretty rare that I carry cash at all. I usually charge almost everything we buy. I love having all of my purchases in one place – I pay in full each month – but most importantly, I really like being able to earn rewards with my regular purchases. I charge gas, groceries, gifts, travel, food, utility bills, and just about anything else, and often earn free travel on my purchases. Charging directly to my credit card is also good way to manage my budget, and I like to review my statements each month to see where our money is going. At the end of the year, I take all of my statements and develop my budget for the upcoming year.
Like most families, our December tends to be the month when we spend the most money. Between holiday travel (we like to take a little trip right after Christmas while the kids are still out of school), food for holiday cooking, end of the year doctor appointments (including eye surgery for me, glasses for my son, and a new retainer for my daughter), clothing for holiday parties, and of course, gifts, we’re stretched pretty thin in December. I tend to make gift purchases throughout the months of November and December, and then hide the gifts. It’s usually easier to go through my credit card statements online to see how much I’ve spent, rather than dig through the piles of gifts or receipts. In January, I like to see how much I’ve spent, and how much I’ve earned in rewards. We usually get at least one or two free flights per year – a nice way to save money on our spring family vacation.
Just in time for the holiday season, Chase is offering extra incentives to cardholders with Ultimate Rewards, a rewards program available to Chase Freedom, Chase Sapphire and Ink from Chase cardholders. When you use any of these cards, you earn points which can be redeemed for merchandise, travel, gift cards, and cash back. Cash back starts at $20 for 2,000 points and you get it via direct deposit, merchandise and gift cards are available at the same prices you’d pay in store with no mark-ups, so a $50 product/gift card costs 5,000 points. More than that, you can also redeem points for experiences like VIP access to concerts and movies (and more), and travel on any flight with no blackout dates and no restrictions.
The new redesigned UltimateRewards.com also comes with a personalized dashboard, which offers travel content along with travel guides. And you can like different rewards on the site, which allows the dashboard to tailor the content and offerings shown. The reward offers are also tailored to your lifestyle – based upon your personal spending habits.
Using a rewards credit card is a great way to stretch your holiday dollars. You can either redeem rewards to get gifts for others, or earn and accrue points for use at a later time. I always choose the latter, and use the rewards for travel!
Will you earn credit card rewards this holiday season? What will you use them for?
Learn more by visiting Chase Ultimate Rewards!
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