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March brings festivities, but also responsibilities.
You can look forward to your St. Patrick’s Day meals and wardrobe, but you also may want to start getting documents in order for tax time and potentially even spring-cleaning your house.
Here’s how to get the most out of your credit cards as you tackle such tasks.
Tax Day isn't until April, but if you haven't started preparing yet, now is probably the time.
Paying your actual tax bill to Uncle Sam using a credit card is typically a bad idea, unless the rewards offset the cost of the processing fee. However, it may make sense to pay for your tax preparation or software with a credit card to earn rewards, as these kinds of services typically don't charge such a convenience fee.
A flat-rate credit card is likely to be your best choice in this kind of category. The Citi® Double Cash Card – 18 month BT offer, for example, earns 2% back on purchases: 1% when you buy and 1% when you pay it off. It has a $0 annual fee.
Also keep in mind that many credit cards — both personal and business products — offer year-end spending summaries, which can be helpful with bookkeeping.
Easter and Passover preparation
With Easter and Passover around the corner, you can prepare your baskets or plan your Seder by buying the makings at your local grocery store. The Blue Cash Everyday® Card from American Express offers 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% back at U.S. gas stations and U.S. department stores; and 1% back on all other purchases. It has a $0 annual fee. Terms apply.
If you have an eligible Discover card like the Discover it® Cash Back, this is also the last month to maximize your first-quarter bonus categories before Q2 categories take effect. For Q1 2020, the $0-annual-fee card offers 5% cash back on up to $1,500 spent at grocery stores, Walgreens and CVS (activation is required). It earns 1% everywhere else.
Spring-clean your credit card debt
While you’re tidying up the house, take a moment to dust off any lingering holiday credit card debt. A balance transfer credit card lets you move your high-interest debt to a product with a lower annual percentage rate, providing some breathing room as you pay it down.
The Amex EveryDay® Credit Card has the three ideal features you want in a balance transfer credit card: a $0 annual fee, no balance transfer fees for amounts transferred within a certain period, and a 0% introductory offer. It charges a 0% Intro on Purchases for 15 months, and then the ongoing APR of 13.24%-24.24% Variable APR. Terms apply.
One big plus for this card? It also earns ongoing rewards, giving you a reason to keep using it long after you pay off your debt. Terms apply.
Information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of this card.