Summer brings opportunities for travel, outdoor fun, and lasting memories. As you plan your spending, learn how your credit card can earn you valuable rewards. A smart approach helps you enjoy the season fully while boosting your financial benefits.

Match Your Card with Expected Summer Purchases

To get the most from your rewards, first understand your spending habits. Summer often means more spending on travel, dining, entertainment, and gas. Check your credit card's reward structure: Does it offer extra points or cash back where you'll spend most? For instance, a card with higher rewards on gas helps you earn more on road trips. Eating out often? A card with bonus points for restaurants will be better. Choosing the right card for each purchase ensures every dollar helps you reach your reward goals.

Understand Interest Rates and Annual Fees

Earning rewards is great but use your credit card wisely. Interest charges quickly cancel out any rewards. Always pay your full balance each month. If you must carry a balance, aim for the lowest possible interest rate; a high Annual Percentage Rate (APR) makes earned points worthless. Also, consider annual fees. Some rewards cards have a yearly fee, which might be worth it if benefits (like travel credits or higher earning rates) greatly outweigh the cost. For most, a no-annual-fee card offering good daily rewards is best. Ensure your rewards truly help your finances, rather than just covering extra costs.

Redeeming Rewards for Summer Travel and Experiences

Using earned credit card rewards to pay for summer travel is very satisfying. Points can cover flights, hotel stays, car rentals, or unique experiences, making your dream vacation more affordable. Think about these ways:

  • Flights and Hotels: Book directly through reward portals or transfer points to airline/hotel programs to greatly cut travel costs.
  • Statement Credits or Gift Cards: If travel isn't your plan, turn points into statement credits for other summer needs, or use gift cards for dining, entertainment, or shopping during trips.
  • Experiences: Some programs let you use points for activities or event tickets, adding fun without using savings.

Choose redemptions carefully. Find where your points give the most value, as rates can differ. For example, travel redemptions might be worth more than cash back.

A Value-Driven Approach to Rewards

The key to getting the most from credit card rewards is smart spending, not more spending. By matching your card to your planned purchases, paying off your balance to avoid interest, and wisely using your points, your daily spending turns into real benefits. Each purchase helps you save on vacations, lower your budget, or enjoy special experiences. Make your money work harder, so your financial tools improve your summer and overall financial health.

More Information:

Maximizing Your Spending with Credit Card Rewards: A Practical Approach

Should I Make A Credit Card Balance Transfer?

Discover the SCU Visa® Signature Rewards Credit Card

The SCU Visa Signature Rewards credit card offers rewards program for everyday spending. Earn points on qualified transactions for all the important things:

  • Earn 5X Points
    Pay your utility bills and watch your points add up faster than ever.
  • Earn 4X Points
    Dine at your favorite restaurants and get rewarded for every bite.
  • Earn 3X Points
    Fill up your tank and earn triple points on gas purchases.
  • Earn 2X Points
    Enjoy concerts, movies, and more while earning double points on tickets.
  • Redeem Your Way
    Use your points for cash back, travel, or merchandise—your rewards, your choice.

Our members enjoy no annual fees and low interest rates. Learn more or stop in at one of our branches for assistance or reach out to our member service call center at  877-661-3300.