Smarter Credit Card Rewards

Points are exciting. A bill you can’t afford? Considerably less exciting.

Credit Card Rewards Without the Debt helps you make smarter rewards decisions using purchases you already planned—while keeping your budget and financial goals in focus.

Created by Dawn Sullivan, Realtor® & Certified Credit Specialist, this 23-page guide explains:

• Cash back, points, and miles in plain language
• How to evaluate welcome offers without unnecessary spending
• Annual fees, interest, and the true value of rewards
• Repayment habits and promotional-rate considerations
• Redemption comparisons and shopping portal rules
• Risks behind credit liquidation and reimbursement schemes

You’ll also receive a 30-day action plan and four fillable worksheets: a card comparison, welcome-offer planner, monthly rewards tracker, and redemption review.

Build a practical routine that helps rewards serve your life.

Digital PDF download. No physical book will be shipped. Complete the worksheets in a compatible PDF reader or print them.

For educational purposes. Rewards, savings, and credit approvals are not guaranteed. Your account and offer terms apply.