How many credit card rewards points can I earn?

You can earn unlimited credit card rewards points with most credit cards that give points. Bank of America, Chase and Citibank do not limit the number of points that you can earn on their credit cards with points, for example, though you will naturally be limited by how much you can afford to spend and repay on a card.

How Many Credit Card Rewards Points You Can Earn by Company

*These issuers do not currently offer credit cards with points-based rewards, but there is no limit on how many miles you can earn with their miles-based cards.

Keep in mind that while you can earn unlimited points on many credit cards, you should redeem them often rather than saving them up. Accumulating an excessive amount of points isn’t usually a good thing, because you might lose them all if your account is ever closed. In addition, rewards devaluation may make the points worth a lot less than when you initially earned them.

Generally, you can earn as many credit card rewards points as you want. Credit card companies are fairly relaxed about how many points you can earn in total, and there’s no shortage of ways to get points with a rewards credit card.

To take full advantage of credit card points, it’s important to understand the different rewards structures of points-based credit cards:

• Many cards give different rewards-earning rates depending on the purchase category. For example, a rewards credit card may give 3 points per $1 spent on dining, 2 points per $1 spent on travel, and 1 point per $1 spent on everything else.
• Some cards offer high rewards-earning rates in bonus categories up to a specified spending cap. For example, a card might give 6 points per $1 spent on groceries, up to $5,000 spent per year. Any grocery spending after that will generally get you 1 point per $1 spent, though this base rate could depend on the card.
• Other cards give a flat rewards rate for every purchase. An example of this would be a card that gives 1.5 points per $1 spent on all purchases. Flat-rate cards are great for everyday spending.