New here? Start with these five steps.
You don't need to be a points expert or a big spender. Work through these in order, at your own pace, over about 90 days.
Step 1: Check your credit file (free)
Sign up for your free credit reports from the main UK credit reference agencies and see where you stand. Nothing else matters until you know your starting point.
Step 2: Get your utilisation under control
Work out how much of your total credit limit you're using, and aim to keep it low.
Step 3: Set up a direct debit to pay in full
This is the habit that makes everything else safe. If you can't pay in full, pause here; rewards aren't worth paying interest for. Worried about debt? MoneyHelper, StepChange and National Debtline give free, confidential help.
Step 4: Understand how card rewards work
Learn the different types of rewards (cashback, airline points and flexible points) and how UK schemes like Avios work, so you can judge whether any card fits the spending you already do.
Step 5: Spend your points well
Find out what a point is worth and book your first great-value reward.
Want the whole path in one place?