How Small Spending Can Lead to Big Rewards

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Many, many, many years ago, Bill and I bought the house we live in. Okay, so it was more like 12 years ago. Our best credit card came from this purchase. How do you ask? Well, a couple months after our house loan went through, we got a call from the company that holds our mortgage. They want to know if we wanted to join their credit rewards program. We, of course said yes!

The way our credit card works is that 1% of what we charge gets taken off the principal of our mortgage. Needless to say, we immediately signed up. Now, for credit rewards to work, you do have to pay your balance off monthly which we do. Now, with all that being said, we literally charge everything.

Lunch? Charge it. Siding for the house? Charged that too! School tuition. Charge away! Stuff for outside, it's on the credit card! For us, it works and our mortgage principal thanks us for it. We literally make an extra payment a year just in this rewards program! Who wouldn't want to save on their mortgage? I know, we literally jumped at the chance. Best of all, it automagically does it, so I don't have to do anything. It just happens every month. Last month, over $100 got taken off the principal of my mortgage. Each month that totally adds up!

Now, not everyone has a mortgage. Some people would rather get rewards or cash back. Through innovative tools, experiences and advice, CreditCards.com helps people find the right cards and use them the right way. They rate and review credit cards to provide objective, useful comparative information to help you choose the right card for you.

How do you choose what credit card you are going to apply for and use? What rewards are you currently getting?

I was selected for this opportunity as a member of CLEVER and the content and opinions expressed here are all my own.

Lisa Martin

In April 2006, Lisa began blogging to stay connected with distant relatives and friends. As she delved into blogging, she discovered the potential to assist others by sharing her experiences. Lisa has actively engaged in numerous exclusive media ventures. Notable among these are her participation in events such as the Sony Mommy Bloggers Event, the Pampers Mommy Bloggers Event, the Epson Event in Chicago, the Stouffers Event, a memorable yacht excursion with Lands End, collaborations with 1-800-Baskets, an exclusive tour for bloggers by Mrs. Prindable’s, partnerships with Hallmark, PopCap games, Chicago Cubs Mastercard Priceless Events, and Rug Doctor. In addition, she has collaborated with Nutrisystem on a weight loss initiative, teamed up with Buick and Chevy, and served as a brand ambassador for Sprint. Lisa's collaboration portfolio also extends to Disney, where she has participated in press trips for significant movies such as Frozen, Guardians of the Galaxy, McFarland USA, The Good Dinosaur, The BFG, and Cars 3. Notably, for projects like Frozen, The BFG, and Cars 3, she was granted the privilege of walking the red carpet and conducting interviews with celebrities. The impact of Lisa's blog has gained recognition, with The New York Times referencing her content. Moreover, she has been featured in interviews by respected publications such as the Southtown Star, The Chicago Sun Times, and inside.