Are you getting the most out of your reward cards? Some card holders play the rewards game like it's going out of style, even designating certain reward cards for specific types of purchases. They buy gas with one card, groceries with another, and online purchases with still another. And keeping up with the rules of all those cards is enough to give the average card holder a headache! If you don't have that much time (or patience), you can still reap the benefits of reward cards by following a few simple rules.

First, choose a reward card that gives you something you really need. If you're a pet enthusiast, you might benefit greatly from reward cards that give you points for buying pet merchandise and veterinary services. On the other hand, a reward card that gives you points for shopping at Amazon.com isn't going to benefit someone who doesn't shop online. If you're a frequent traveler, look for cards that can help you with gas purchases, rental cars, and airline miles. Avoid trendy reward cards that get you fancy rewards (such as helicopter rides or front-row tickets to events) unless you're a die-hard entertainment buff. Rewards on everyday items, such as gas and groceries, will prove more valuable in the long run.

If you've got a predictable, recurring charge that matches your reward card, use the card to pay it. You'll soon see those reward points adding up. And speaking of points: remember that they don't last forever. Yours might have an expiration date, so check with your card company to see how long your reward points will be valid. Also, be sure to ask about any special promotions your card company might be running. Some specials will help you rack up those points faster. Also, if you need office supplies for your job, see if you can reach an agreement with your company whereby you charge the supplies to your reward card, the company reimburses your expenses, and you keep the reward points.

Avoid making late payments. This can cause your reward points to be forfeited. If you have already lost your reward points, call and negotiate with your card company to have some or all of them reinstated.

Finally, make sure you know how to redeem your reward points. It sounds like a no-brainer, but some reward card point systems are more user-friendly than others. Some have easy-to-navigate online catalogs; others don't. If you're unsure how to proceed, read your credit card agreement or call customer service for an explanation. They will be happy to assist you in redeeming your points.

Like other credit cards, reward cards vary in value. Rewards that greatly benefit one card holder might be worthless to another. Shop around online for reward cards that give you points for things you would purchase anyway. That way, all you have to do is go about your daily business to start earning reward points. Now that's rewarding!