 TITLE: 6 Secrets for Maximizing Credit Card Rewards and Saving Money on Holiday Shopping CONTENT: 3\\. Make Sure You're Using the Right Card on the Right Purchases\n----------------------------------------------------------------\nBefore you start spending, take some time to do an audit of all the cards in your wallet. Review the terms of these cards—do any put caps on how many points, miles or cash back you can earn? Do any of them offer extra rewards on spending for certain kinds of shopping categories? You don't want to leave money on the table by using the wrong card on the wrong purchase. For example, if you're buying a gift at Bloomingdale's, you'll want to make sure you pay for it using the Chase Freedom® if you have it because cardholders earn 5% cash back on up to $1,500 in purchases made at department stores during the fourth quarter of 2018.\nTo help figure out which cards to use when, check out an app like Birch, which takes a look at the credit cards that you own and tells you which ones offer the most rewards on certain spending categories and locations. END