Tis the season to make the most of holiday gift card offers. If you are the type who eats at certain places repeatedly AND pays off your points credit card at the end of each month, it is worth buying a gift card to get the bonus offer. This way you get points on your credit card, the bonus voucher and you’ll already have paid a future meal or purchase. Now, the key is not losing the gift card and using the voucher within the specified time.

Check out the terms of each offer because some only have to be gift cards totaling an amount to receive the bonus (i.e. you might be able to buy five $5 gift cards to be used as stocking stuffers, plus get yourself a treat). Be smart with your spending!

Lastly, don’t buy what you cannot afford or what you will not use.