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"If you are paying the bill in full every month you should 100% be in a rewards program," Mayerowitz said. If you are not, you are leaving free money on the table."He said it is understandable that people are afraid to pay an annual fee (more on that below), but there is another way to look at it: "There are many cases where it is prepaying for a vacation on sale."Saving up for a dream vacation is "why we are in this game in the first place," Mayerowitz said.
If a card company sees an individual opening a card and canceling after annual fee hits, they are not as likely to offer you credit cards in the future.But he added, "Transferable points are definitely the most valuable."Grocery rewards cards may not be as well-known as airline miles cards, but can rack up points for every dollar spent.Urban professionals who order a lot of takeout meals are losing out if they don't make use of rewards points that accrue from use on mobile ordering apps.Mayerowitz said to monitor these rewards carefully because consumers often forget about things like companion ticket and free bags."Smart travelers will make sure to use these."Responsible card use will always come back to financial literacy: Consumers being aware of the consequences of what they are purchasing, responsible budgeting, and having enough of a cushion of savings to pay bills in full each month.
A Gallup poll from 2014 found that the percentage of Americans holding three to four cards was 18%, and less than 10% for those holding five to six cards.