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The best way to earn points quickly is to make sure that you're earning bonus points for spending in certain categories — like dining or travel — whenever possible.
Because this can get complicated, the easiest way is to come up with an easy-to-follow strategy ahead of time that will fit most situations.A perfect trifecta of Chase cards — the Chase Sapphire Preferred
or Sapphire Reserve
, the Chase Ink Business Preferred
, and the Chase Freedom Unlimited
— can help you maximize your earning.You can also collect large sign-up bonuses on these cards.
One of the tricks to earning points and miles quickly isn't a trick at all — it's just making sure to use the right cards for the right purchases.
That's because various credit cards offer bonus points on different categories. One card might offer 2x points at restaurants and 1x point at grocery stores (and everywhere else), while another might offer 1.5x points at grocery stores, more on travel, and so on.
Keeping track of categories and cards can get confusing, but every time you use the wrong card at the wrong category of merchant, you leave points — basically free money — on the table.
The good news is that with most of the major credit card rewards programs, you can pool your points if you have multiple cards in that program. So, if you optimize your card strategy, you can use the right cards for the right categories and have all the points drop into one common pool, ready for you to redeem for travel, transfer to frequent flyer programs, or, if you prefer, exchange for cash back (even though that's usually a lower value for your points).
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