{"id":9397,"date":"2022-03-04T08:54:29","date_gmt":"2022-03-04T08:54:29","guid":{"rendered":"https:\/\/jomsettle.com\/?p=9397"},"modified":"2022-05-10T08:18:34","modified_gmt":"2022-05-10T08:18:34","slug":"what-is-credit-card-reward-points","status":"publish","type":"post","link":"https:\/\/jomsettle.com\/ms\/what-is-credit-card-reward-points\/","title":{"rendered":"What is Credit Card Reward Points?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"9397\" class=\"elementor elementor-9397\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-674e716f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"674e716f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-71033946\" data-id=\"71033946\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4cdf4180 elementor-widget elementor-widget-image\" data-id=\"4cdf4180\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/What-is-Reward-Point-Cover_1920x1080.png\" class=\"attachment-full size-full wp-image-9399\" alt=\"Reward Points\" srcset=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/What-is-Reward-Point-Cover_1920x1080.png 1920w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/What-is-Reward-Point-Cover_1920x1080-300x169.png 300w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/What-is-Reward-Point-Cover_1920x1080-1024x576.png 1024w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/What-is-Reward-Point-Cover_1920x1080-768x432.png 768w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/What-is-Reward-Point-Cover_1920x1080-1536x864.png 1536w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/What-is-Reward-Point-Cover_1920x1080-18x10.png 18w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/What-is-Reward-Point-Cover_1920x1080-260x146.png 260w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/What-is-Reward-Point-Cover_1920x1080-50x28.png 50w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/What-is-Reward-Point-Cover_1920x1080-133x75.png 133w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3cd2b8a0 elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3cd2b8a0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-78f5b0bf\" data-id=\"78f5b0bf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3dc12d92 elementor-widget elementor-widget-post-info\" data-id=\"3dc12d92\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52a26eea elementor-widget elementor-widget-theme-page-title\" data-id=\"52a26eea\" data-element_type=\"widget\" data-widget_type=\"theme-page-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3763b040 elementor-widget elementor-widget-share-buttons\" data-id=\"3763b040\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e427ffc elementor-widget elementor-widget-spacer\" data-id=\"7e427ffc\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8baeedd elementor-widget elementor-widget-text-editor\" data-id=\"8baeedd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA reward program is offered by credit card issuers to their users to earn points to redeem for rewards, discounts, and other perks available (cash advance or balance transfer does not earn you reward points). There are three main types of credit card rewards programs:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e05c6df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e05c6df\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3a14664\" data-id=\"3a14664\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a8483d elementor-widget elementor-widget-text-editor\" data-id=\"2a8483d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Points<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3dfe3 elementor-widget elementor-widget-text-editor\" data-id=\"2b3dfe3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Points are a type of reward that can be earned by making purchases in specific categories using your credit card. Sometimes, you can earn bonus points when you spent on certain categories depending on your credit card.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7bd4c17 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7bd4c17\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-fdee878\" data-id=\"fdee878\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0fb10d1 elementor-widget elementor-widget-text-editor\" data-id=\"0fb10d1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Air Miles<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bbed77 elementor-widget elementor-widget-text-editor\" data-id=\"4bbed77\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Air Miles credit cards are usually more beneficial for frequent flyers. Once you accumulate enough air miles, you can redeem for an award seat on one of the credit card&#8217;s airline partners (the redemption values are determined by the airlines). The beauty about credit card miles is that you don&#8217;t have to fly to earn miles. You simply have to use your credit card to make a payment.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f8a23fa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f8a23fa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-42d501f\" data-id=\"42d501f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e38f20b elementor-widget elementor-widget-text-editor\" data-id=\"e38f20b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Cashback<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d62eb1c elementor-widget elementor-widget-text-editor\" data-id=\"d62eb1c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Cashback is when you make a payment or a purchase, you get a percentage of the amount it cost paid back to you. Most cashback cards offer at least 1% cashback on all purchases, some cards offer up to 5% cashback on purchases made at department stores, supermarkets, and gas stations. You can think of it as a discount or incentive.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-63ad0fbe elementor-widget elementor-widget-heading\" data-id=\"63ad0fbe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 36px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">How do rewards points work?<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7279ad1e elementor-widget elementor-widget-text-editor\" data-id=\"7279ad1e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are not familiar with the concepts of credit card reward points, here&#8217;s a quick rundown: You will receive a set number of points for every RM1 spent on the card. Most banks offer an RM1:1 point ratio, but some banks offer 3x, 5x, or even 10x points if you spend at specific times or with specific vendors depending on the offer by your card issuers.<\/p><p>After you reach the bank&#8217;s minimum redemption level, you may use your points to redeem vouchers, retail merchandise, or even to offset your payment. Regular card users will profit from this service because they will most likely accumulate a big number of reward points.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a10370c elementor-widget elementor-widget-text-editor\" data-id=\"a10370c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are planning to apply for a new credit card, you can check out the following websites to compare which credit card is best for you:<\/p><p>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/ringgitplus.com\/\" target=\"_blank\" rel=\"noopener\">Ringgit Plus<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.imoney.my\/\" target=\"_blank\" rel=\"noopener\">iMoney<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.comparehero.my\/\" target=\"_blank\" rel=\"noopener\">CompareHero<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/loanstreet.com.my\/\" target=\"_blank\" rel=\"noopener\">LoanStreet<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa0a3ae elementor-widget elementor-widget-text-editor\" data-id=\"fa0a3ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><a href=\"https:\/\/jomsettle.com\/ms\/2022\/03\/17\/what-can-you-do-with-your-credit-card-reward-point\/\" target=\"_blank\" rel=\"noopener\"><strong>READ: What Can You Do With Your Credit Card Reward Point?<\/strong><\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fa2d72 elementor-widget elementor-widget-heading\" data-id=\"6fa2d72\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 36px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Do credit card points expire?<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-497cf68 elementor-widget elementor-widget-text-editor\" data-id=\"497cf68\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your hard-earned points may expire depending on the issuer and the type of card you have. Most Malaysian banks let you keep your points unused for up to 3 years. However, some of you may have the benefit of having no-expiration policies (is still best to check with your card issuer).<\/p><p>Your points earned and expiry date status are usually shown in your bank statement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fed7b13 elementor-widget elementor-widget-text-editor\" data-id=\"fed7b13\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/jomsettle.com\/ms\/understanding-your-credit-card-statement-and-how-to-use-it-with-jomsettle\/\" target=\"_blank\" rel=\"noopener\"><strong><u>Understanding Your Credit Card Statement and How to Use it with jomSETTLE\u2122 <\/u><\/strong><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4fe14e elementor-widget elementor-widget-heading\" data-id=\"e4fe14e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 36px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Conclusion<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13b4fa8 elementor-widget elementor-widget-text-editor\" data-id=\"13b4fa8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Credit card is a credit extended to us by the bank and reward points is an additional benefit that comes along with it. However, it is wise to use it with caution because to accumulate enough points for redemption, we will have to spend a substantial amount. This often leads to unnecessary spending or even debt if is not managed correctly.<\/p><p>With jomSETTLE\u2122, you can use your credit card on necessity spendings such as monthly rent, loans, or even your business expenses if you are running a business. This way, you can reserve your cash in hand, pay your expenses with credit cards and earn all the reward points that your card had to offer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d8d278b elementor-widget elementor-widget-spacer\" data-id=\"6d8d278b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7325353e\" data-id=\"7325353e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a2c347c elementor-widget elementor-widget-spacer\" data-id=\"6a2c347c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25fe0a6e elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25fe0a6e\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-552f310d\" data-id=\"552f310d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2bc6fdbf elementor-widget elementor-widget-spacer\" data-id=\"2bc6fdbf\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a73050 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"a73050\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2021\/10\/Blog-Logo.svg\" class=\"attachment-full size-full wp-image-6532\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50377185 elementor-widget elementor-widget-heading\" data-id=\"50377185\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Let's Stay in Touch<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-354bf470 elementor-widget elementor-widget-text-editor\" data-id=\"354bf470\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get updates on our latest articles<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-723540f elementor-widget elementor-widget-form\" data-id=\"723540f\" data-element_type=\"widget\" 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elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"395720b\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4dc8da32\" data-id=\"4dc8da32\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2010549d elementor-widget elementor-widget-spacer\" data-id=\"2010549d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14d841b4 elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14d841b4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5abcbafe\" data-id=\"5abcbafe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3919b6d1 elementor-widget elementor-widget-heading\" data-id=\"3919b6d1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p style=\"font-size: 30px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 14px;margin-top: 14px\">You May Also Like<\/p>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-196fe4e5 elementor-widget elementor-widget-posts\" data-id=\"196fe4e5\" data-element_type=\"widget\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6eba397d elementor-widget elementor-widget-spacer\" data-id=\"6eba397d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5310de33 elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5310de33\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-42d74a2a\" data-id=\"42d74a2a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-526e1463 elementor-widget elementor-widget-post-info\" data-id=\"526e1463\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65f30277 elementor-widget elementor-widget-theme-page-title\" data-id=\"65f30277\" data-element_type=\"widget\" data-widget_type=\"theme-page-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-64e23ea2 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"64e23ea2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-2c3450bb\" data-id=\"2c3450bb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-129938f1 elementor-widget elementor-widget-share-buttons\" data-id=\"129938f1\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-4f67b21b\" data-id=\"4f67b21b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c0053c6 elementor-widget elementor-widget-share-buttons\" data-id=\"1c0053c6\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-73358f37\" data-id=\"73358f37\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-394ab37f elementor-widget elementor-widget-share-buttons\" data-id=\"394ab37f\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-70e41b30\" data-id=\"70e41b30\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55b88a12 elementor-widget elementor-widget-share-buttons\" data-id=\"55b88a12\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-510aeee2 elementor-widget elementor-widget-spacer\" data-id=\"510aeee2\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b950faa elementor-widget elementor-widget-text-editor\" data-id=\"4b950faa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 18px; font-weight: 500; line-height: 1.4em !important;\">A reward program is offered by credit card issuers to their users to earn points to redeem for rewards, discounts, and other perks available (cash advance or balance transfer does not earn you reward points). There are three main types of credit card rewards programs:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f34aa29 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f34aa29\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-793cf45\" data-id=\"793cf45\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-073dcd1 elementor-widget elementor-widget-text-editor\" data-id=\"073dcd1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Points<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07a9b6f elementor-widget elementor-widget-text-editor\" data-id=\"07a9b6f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Points are a type of reward that can be earned by making purchases in specific categories using your credit card. Sometimes, you can earn bonus points when you spent on certain categories depending on your credit card.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b03a30d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b03a30d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-29106ae\" data-id=\"29106ae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f19cfcd elementor-widget elementor-widget-text-editor\" data-id=\"f19cfcd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">\u2022\tAir Miles<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5da73d0 elementor-widget elementor-widget-text-editor\" data-id=\"5da73d0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Air Miles credit cards are usually more beneficial for frequent flyers. Once you accumulate enough air miles, you can redeem for an award seat on one of the credit card&#8217;s airline partners (the redemption values are determined by the airlines). The beauty about credit card miles is that you don&#8217;t have to fly to earn miles. You simply have to use your credit card to make a payment. <\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a6d24d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6d24d9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e6e4a85\" data-id=\"e6e4a85\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a73919 elementor-widget elementor-widget-text-editor\" data-id=\"8a73919\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Cashback<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d576117 elementor-widget elementor-widget-text-editor\" data-id=\"d576117\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Cashback is when you make a payment or a purchase, you get a percentage of the amount it cost paid back to you. Most cashback cards offer at least 1% cashback on all purchases, some cards offer up to 5% cashback on purchases made at department stores, supermarkets, and gas stations. You can think of it as a discount or incentive.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2740e68d elementor-widget elementor-widget-heading\" data-id=\"2740e68d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">How do rewards points work?<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c65536f elementor-widget elementor-widget-text-editor\" data-id=\"5c65536f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 18px; font-weight: 500; line-height: 1.4em !important;\">If you are not familiar with the concepts of credit card reward points, here&#8217;s a quick rundown: You will receive a set number of points for every RM1 spent on the card. Most banks offer an RM1:1 point ratio, but some banks offer 3x, 5x, or even 10x points if you spend at specific times or with specific vendors depending on the offer by your card issuers.<\/p>\n\n<p style=\"font-size: 18px; font-weight: 500; line-height: 1.4em !important;\">After you reach the bank&#8217;s minimum redemption level, you may use your points to redeem vouchers, retail merchandise, or even to offset your payment. Regular card users will profit from this service because they will most likely accumulate a big number of reward points.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56d0280 elementor-widget elementor-widget-text-editor\" data-id=\"56d0280\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 18px; font-weight: 500; line-height: 1.4em !important;\">If you are planning to apply for a new credit card, you can check out the following websites to compare which credit card is best for you:<\/p><p>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/ringgitplus.com\/en\/\" target=\"_blank\" rel=\"noopener\">Ringgit Plus<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.imoney.my\/\" target=\"_blank\" rel=\"noopener\">iMoney<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.comparehero.my\/\" target=\"_blank\" rel=\"noopener\">CompareHero<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/loanstreet.com.my\/\" target=\"_blank\" rel=\"noopener\">Loan Street<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2097da elementor-widget elementor-widget-text-editor\" data-id=\"e2097da\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><a href=\"https:\/\/jomsettle.com\/ms\/2022\/03\/17\/what-can-you-do-with-your-credit-card-reward-point\/\" target=\"_blank\" rel=\"noopener\"><strong>READ: What Can You Do With Your Credit Card Reward Point?<\/strong><\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5b6112 elementor-widget elementor-widget-heading\" data-id=\"c5b6112\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Do credit card points expire?<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff805fd elementor-widget elementor-widget-text-editor\" data-id=\"ff805fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 18px; font-weight: 500; line-height: 1.4em !important;\">Your hard-earned points may expire depending on the issuer and the type of card you have. Most Malaysian banks let you keep your points unused for up to 3 years. However, some of you may have the benefit of having no-expiration policies (is still best to check with your card issuer).<\/p>\n\n<p style=\"font-size: 18px; font-weight: 500; line-height: 1.4em !important;\">Your points earned and expiry date status are usually shown in your bank statement.\n<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddd8c83 elementor-widget elementor-widget-text-editor\" data-id=\"ddd8c83\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/jomsettle.com\/ms\/understanding-your-credit-card-statement-and-how-to-use-it-with-jomsettle\/\" target=\"_blank\" rel=\"noopener\"><strong><u>READ: Understanding Your Credit Card Statement and How to Use it with jomSETTLE\u2122<\/u><\/strong><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d422637 elementor-widget elementor-widget-heading\" data-id=\"d422637\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Conclusion<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72d6581 elementor-widget elementor-widget-text-editor\" data-id=\"72d6581\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 18px; font-weight: 500; line-height: 1.4em !important;\">Credit card is a credit extended to us by the bank and reward points is an additional benefit that comes along with it. However, it is wise to use it with caution because to accumulate enough points for redemption, we will have to spend a substantial amount. This often leads to unnecessary spending or even debt if is not managed correctly.\n\n<p style=\"font-size: 18px; font-weight: 500; line-height: 1.4em !important;\">With jomSETTLE\u2122, you can use your credit card on necessity spendings such as monthly rent, loans, or even your business expenses if you are running a business. This way, you can reserve your cash in hand, pay your expenses with credit cards and earn all the reward points that your card had to offer. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19bf9fe3 elementor-widget elementor-widget-spacer\" data-id=\"19bf9fe3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e18ded3 elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e18ded3\" data-element_type=\"section\" 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elementor-widget elementor-widget-text-editor\" data-id=\"42c9ee05\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get updates on our latest article.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16400464 elementor-widget elementor-widget-form\" data-id=\"16400464\" data-element_type=\"widget\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-408234cc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"408234cc\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span 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class=\"elementor-element elementor-element-15241bca elementor-widget elementor-widget-share-buttons\" data-id=\"15241bca\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-714f17fa\" data-id=\"714f17fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1fea243 elementor-widget elementor-widget-share-buttons\" data-id=\"1fea243\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-65ac3e24\" data-id=\"65ac3e24\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-367089f5 elementor-widget elementor-widget-share-buttons\" data-id=\"367089f5\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-7a819d79\" data-id=\"7a819d79\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c0a2fa7 elementor-widget elementor-widget-share-buttons\" data-id=\"4c0a2fa7\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-b8e366e\" data-id=\"b8e366e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-19caccc8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"19caccc8\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3bcf1bed elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3bcf1bed\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1bd03fc0\" data-id=\"1bd03fc0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aad1d58 elementor-widget elementor-widget-spacer\" data-id=\"aad1d58\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-824006a elementor-widget elementor-widget-heading\" data-id=\"824006a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p style=\"font-size: 22px;font-weight: 600;line-height: 1.2em !important;margin-bottom: 4px;margin-top: 4px\">You May Also Like<\/p>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cc5baf2 elementor-widget elementor-widget-posts\" data-id=\"2cc5baf2\" data-element_type=\"widget\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf39723 elementor-widget elementor-widget-spacer\" data-id=\"cf39723\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>A reward program is offered by credit card issuers to their users to earn points to redeem for rewards, discounts, and other perks available (cash advance or balance transfer does not earn you reward points). There are three main types of credit card rewards programs:<\/p>","protected":false},"author":4,"featured_media":9398,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[67,62],"tags":[],"class_list":["post-9397","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-article","category-credit-card"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Credit Card Reward Points? | jomSETTLE\u2122<\/title>\n<meta name=\"description\" content=\"A reward program is offered by credit card issuers to their users to earn points to redeem for rewards, discounts, and other perks available\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jomsettle.com\/ms\/what-is-credit-card-reward-points\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Credit Card Reward Points? 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