Katherine Hamilton

speaker

654 appearances 14 recordings 1 series first heard Apr 2024 last heard Jan 2025

Katherine Hamilton’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Paying Bills With a Credit Card? Make Sure the Points Are Worth the Fees · 26 Jun 2024 podcast

So you're probably going to be stuck with that fee. voice-verified

And that fee is usually around 3% for credit card payments. voice-verified

And voice-verified

Most credit card rewards are not going to be 3%. voice-verified

They're probably going to be 1% to 2% cash back or maybe one point per dollar spent. voice-verified

So it's quite difficult to find a credit card rewards program that will offset a 3% fee on something like rent. voice-verified

But it is possible. voice-verified

The first thing you want to do is figure out exactly how much your fee is to process your credit card. voice-verified

So usually it will be 3%, but some vendors have a flat fee. voice-verified

Some of them, it's a little bit less than 3%. voice-verified

And then look at what your rewards are. voice-verified

So it might be a percentage cash back. voice-verified

It also could be points, which gets a little bit more complicated. voice-verified

It's possible that you can convert your points into airline miles. voice-verified

And with certain promotional partnerships with airlines, it's possible to get a voice-verified

There are instances where it can be worth it, but it's just about doing that math of your reward and your fee or your payoff. voice-verified

Yes, that's probably your best bet in terms of making a profit when you're paying a bill and through credit card rewards. voice-verified

So one example is sign up bonuses. voice-verified

Some credit cards will offer a promotional sign up bonus where you have to spend a certain amount of money in the first few months of using the card and you'll get a ton of points or a ton of rewards back. voice-verified

And that can be great because let's say you have to spend $4,000 in the first three months. voice-verified

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