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8 Ways to Score Extra Credit Card Perks

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5. Go for the gift card

Image: Maegan Tintari

A great way to maximize rewards at the point of redemption is to exchange them for a merchant gift card since these cards are often loaded with more money than what you are being asked to redeem. Chase, for example, is currently running a deal with Pier One Imports that allows cardholders to exchange $40 in points for a $50 gift card on its Ultimate Rewards website. Discover offers similar deals on partner gift cards.

Tip 6: Use your card to pay for stuff you need to buy »

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