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Welcome to NerdWallet’s SmartMoney podcast, the place we reply your real-world cash questions — in 15 minutes or much less.

This week’s query is from Kevin M. He asks: “How can I squeeze probably the most worth out of my journey bank card for a summer season trip I’ve arising?”

Our suggestions:

Want factors quick? It’s all in regards to the sign-up bonus. Store round to see which playing cards provide the perfect upfront rewards. You possibly can examine journey bank cards right here. You’ll sometimes must spend a certain quantity on the cardboard inside a specified time to earn the bonus. (It’s a good suggestion to not cost extra to the cardboard than you possibly can pay in full when every assertion comes; in any other case, you possibly can find yourself paying extra in curiosity than you possibly can acquire in rewards worth.)

Earlier than your trip, do probably the most to earn factors along with your card. You’ve gotten various methods to do that. First, strive protecting all out there purchases along with your bank card. You may also decide up the tab when going out to dinner with mates and ask to receives a commission again in money. Additionally, maintain a watch out for limited-time gives to earn extra factors. 

Store sensible whereas on trip to earn extra factors. Should you don’t have time to earn factors earlier than your upcoming trip, optimize your procuring whereas on trip. Goal to get probably the most factors out of your bank card to use towards your subsequent journey

Know that your factors can take a billing cycle or two to be credited to your account. Be sensible about your timing to ensure you even have the factors you need to use in your trip. 

Actually get to know your cash

NerdWallet provides you a whole view of your cash, payments, money owed and spending — multi function place.

Extra about journey on NerdWallet

9 straightforward methods to earn journey rewards you’ll really use

How your 2019 trip will pay on your 2020 trip

Report summer season trip spending? Pay it ahead to your subsequent journey

How to decide on a journey bank card

2019 journey bank card research

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