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While she explains that, generally if you're redeeming for material goods, you're better off buying in cash than redeeming points, spending money on certain cards can indeed pay off. Kumok recommends Barclaycard Arrival World MasterCard for travel deals, which gives you 10 percent of your miles back when you redeem them. But she says she personally likes to “churn” her awards-giving credit cards, which means that you sign up for different credit cards to get sign-up bonus offers, like 20,000 miles if you spend $3,000 in three months.
她解釋，雖然一般情況下在你打算用積分兌換實物產(chǎn)品時，其實最好還是用現(xiàn)金購買而不是用積分兌換，但利用某些卡片付款確實有好處。庫莫克推薦“Barclaycard Arrival World MasterCard”用于旅行，兌換積分的時候它會返回10%的里程。但她說，她個人喜歡“開造”提供獎勵的信用卡，也就是說申請不同的信用卡以獲得開卡獎勵，比如三個月花費3,000元的話就會獲得兩萬英里的里程。
“That's where you get the most bang, especially if you were going to spend the money anyway on stuff like groceries, gas, and so on,” she says. “And it’s best way to get miles quickly and efficiently.” (However, those with low credit scores might not be able to do this without further damaging their credit, so talk to a financial advisor if you’re unsure.)
她說：“這才是重點所在，特別是如果你準備花錢買食雜品、汽油等東西的時候。而且最好是迅速而有效地獲得里程。”（但信用記錄較差的人可能無法在不進一步損害信用的情況下做到這一點，所以如果不確定的話，去找一位理財顧問談談吧。）
