How much have you made in rewards this year?

[sblatner]

We're at about $4000...that includes cashing in Capital One Venture points for airline tickets. We get to charge our son's tuition and our health insurance which was about $1200 worth of points. I have also subtracted any annual fees from the reward amount.

[disneysteve]

I have also subtracted any annual fees from the reward amount.

Only one of our cards, the Marriott one, has an annual fee ($85). But every year they give me a certificate for one night at a category 1-5 hotel, so that's worth a lot more than $85. For example, I just checked on a hotel in Cocoa Beach (where we were recently) and a room would be about $225/night but I could use that certificate and get it for $85.

[feh]

About $470 this year. We use 2% cards for everything; no miles or points.

[scfr]

Right around $600 which includes a new card bonus.

Banking bonuses were more lucrative this year.

[Petunia 100]

I have redeemed $958.88 in rewards this year. It's not my best year, but I'll take it.

[LivingAlmostLarge]

I'm going to dig this out later. But we switched to a mileage credit card this year and while I haven't redeemed the miles yet I have used the free bags on the credit card. It's been a good deal just for that alone.

[Jluke]

$505

2% cash back with rotating bonus categories.

[sv2007]

Interest paid to these cards? = ZERO They paying me to use them.

in reality, we pay them to use CC.

[sv2007]

I have no idea about the amount of rebates as I don't track that info.

I just know that I used to have a card where the rebate balance automatically gets applied to each month's statement. Now all my cards are so manual about this process. I think I gather about $100-200 every 2 months when I go and move that balance on 1 of the cards I use regularly, the other card I use regularly is my mileage card, which gives miles.

[disneysteve]

in reality, we pay them to use CC.

This is true in the grand scheme of things because merchants have to pay to accept credit cards so those fees are built into their prices. If credit cards didn't exist, theoretically prices for goods and services could be lower by 2-3%.

However, that only works if everyone stops using credit cards. If I stopped, it wouldn't affect prices. I'd still be paying the same even if I switched to using cash. So by using a rewards card, I effectively pay less than those using cash to make the identical purchase.

[StormRichards]

Well Chase sure didn't make this one easy. Was hoping to find a YTD on their website, but they only provided activity back to September. So I had to click on each statement to see what I redeemed.

My total for the year is $622 and that includes a bonus for signing up for a new card. Not included is any gas card rewards, which would be an insignificant amount due to infrequent use.

Although Chase didn't make my YTD total easy to get, they do show the lifetime rewards. I have earned just over $2,700 since 2009.

[LivingAlmostLarge]

I mostly got airline miles this year and I paid $75 for the privilege. I kept the card another year because I used some of the perks and it turned out well. But

My Costco Amex $176
DH Costco Amex $158
Discover Redeemed $225 Cash Back with balance of $129 left
$688 in cash rewards

Current Costco rewards
DH $52
LAL $141

Seems low probably because of the miles. I'll debate canceling it next year. But for this year it seems worth it. I've used it for the free bags and companion airlines ticket.