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You’ve upgraded your kitchen fridge and installed new copper pipes, all while saving your landscaping from the adult Japanese beetle. With all the credit-card reward points you’ve racked up as a result, the itch to splurge is unbearable. Should you select that $350 Spa Finder gift certificate (35,000 points, Citibank ThankYou Network), or opt for the round-trip ticket to Europe (60,000 points, MBNA WorldPoints)? |
Using your rewards as an escape from reality may make you feel fabulous temporarily, but at the end of the month, it’s done nothing to free you from the pile of bills that go hand in hand with owning a home. Mortgage, homeowners’ insurance, utilities — with that drain on your bank account, no wonder you needed that spa trip in the first place. But with the right card, you can put your reward points to good use, reducing your mortgage, slashing your homeowners’ premiums and financing that pricey remodel. Cards that specialize in home rewards are few and far between, but our experts liked all of ‘em, assuming you pay off your balance each month. We’ve collected three cards to consider, plus four tips to help you maximize your savings.
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