In the past few years, credit card companies have received a bad rap for wronging consumers by doing things like raising interest rates or reducing credit limits.

On the other hand, consumers haven’t exactly been honorable themselves. Savvy customers have discovered ways to take advantage of credit card loopholes to maximize their cards’ rewards program, and rightfully so — why should you get the most out of your spending?

Many of these credit card hacks can put a ton of change in your pockets or result in significant savings.

See which ones may intrigue you enough to try them!

If you have any clever credit card hacks of your own, be sure to share them in the comments.

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  • immerDe

    I have read these same ideas on many other sites. The big problem is that in most towns, from the feedback and in my own town, Roanoke, VA., you CANNOT use credit cards to buy any gift/prepaid card. Articles like this are very deceiving and should explain the limitations up front in large print. Some retailers will let you use a debt card to purchase the items. Suntrust Bank, for example, is linked to Delta airlines and you can amass a lot of Delta miles this way. Also use the debt card to buy money orders. Just redeposit the money orders in a different account, more frequent flyer miles. Also Walmart will let you use debt cards to refill the Bluebird card, again more miles.

  • fern

    whether or not you can do this has nothing to do with what town you live in. I’ve done this successfully by bulking up on Shop Rite gift cards (for my own use, later), just to meet the minimum spend on a bonus points offer.

  • TB

    I have heard of people re financing their credit cards through different people. Maybe in a loop between companies. For example, chase offers 15 months no interest. They ride out the 15 months. Maybe wait a couple months. Then re finance it through someone else. And so on an so forth to avoid paying interest. it’s a lot of work. But sounds like you could actually save money

  • wm3846

    #immerDE- Will Wm Allow You To Reload Your BlueBird Card With Money Orders?

    • Simon Zhen

      According to the account terms and agreement, you cannot deposit money orders into a Bluebird account.