Before you start your hunt for the best system, you need to narrow the playing field. There are four major types of bank credit score cards you can own: American Express, Visa, Mastercard and Discover. Since you are trying to rack up factors here, you need to select the kind credit score cards that you think you will be able to use most often. Consider that some credit score cards have annual charges. You do not need to decide up front if you are going to be willing to pay a fee or not, because there is the potential for benefits to outweigh the cost of using the money score cards. Just make sure to pay attention to charges for membership and charges for services.
Once you have determined what kind of credit score cards you prefer, take a look at the different bank credit score cards benefits programs that are out there. You will see that each time you use your credit score cards to pay is an opportunity to generate income back, air travel kilometers, coupons and discounts to a specific store or a number of other benefits. Most credit score cards work on a point system and the more you use the money score cards, the more factors you will generate toward the benefits. If it is air travel kilometers you are after, note that to generate air travel kilometers it is usually a one dollar to one mile ratio. Many air travel credit score cards also offer bonuses for new users. You may generate double factors for your first set of buys, and you may generate a bonus after spending a certain amount of money.
Once you select the money score cards and the kind of benefits system you want, apply with an application online or through the mail. After being accepted and receiving the money score cards, use it as your primary credit score cards for buys to accumulate as many benefits as possible. Some companies set expiration dates, and after all that work you certainly do not want to lose your benefits. Don't forget to use your points