The key to getting the most out of your rewards cards is understanding how they work and looking for opportunities to earn more points on your everyday spending. Every time you buy something in person or online, you should strive to pay with your rewards card if you can. Leverage your rewards card bonus categoriesIt's also important to leverage your favorite card bonus categories, whatever they may be. (See also: How to Maximize Rewards Through Credit Card Shopping Portals)Some programs like Southwest and Delta also offer dining clubs. Make sure you're only spending on purchases you planned to make anyway, and that you're tracking your spending and paying off your credit cards regularly.