under normal circumstances, the value of credit card points of banks is generally set at .2%-.25% of the credit card amount.

For example, a Pentium rice cooker displayed on a bank's point redemption webpage needs to be redeemed by swiping a card for 137, yuan, but the market price of this rice cooker is only 189 yuan, so the cardholder can only get about .1,379 yuan for every dollar spent, which is not cost-effective. However, a Citizen thermometer+cushion of the same bank is combined, with a market value of 156 yuan, and it needs to be redeemed by swiping 82, yuan. After conversion, you can get .1924 yuan for every dollar spent, which basically meets the standard of .2%, which is more economical.

in addition, it can be compared horizontally. For example, one yuan is the same as one point, and the same electronic sphygmomanometer needs 155, credit card points for one state-owned bank to exchange, but the other only needs 88, points.

Tip 2: Deduct cash directly

It is also wise to choose to deduct cash directly with points.

For example, when some merchants spend money, every 25 points of China Merchants Bank can be deducted from 1 yuan money, which is very convenient. Every point of China Merchants Bank is earned by swiping 2 yuan, which means that swiping 5 yuan can deduct 1 yuan's money, with a return rate of .2%, which is more suitable for young people.

Trick 3: Calculate the credit period

Cardholders also need to calculate the credit period. Some banks' points are permanently valid, while others are valid for 2 years. This requires cardholders to calculate the time when their points will expire and redeem them.

for credit cards with time-limited points, cardholders can use this kind of credit card when making bulk purchases, in order to accumulate enough points for redemption in a short time. A permanent and valid credit card can be used for daily consumption, and many a mickle makes a mickle.