American Express Membership Rewards basics you need to know about:

Earning points: Plenty of American Express cards allow you to earn membership rewards points with each and every purchase. Cards that usually earn the most points include AmEx’s signature Green, Gold, and platinum cards.

You might earn a minimum of 1 point per dollar spent with your card. It depends on the card, as you could earn extra points for spending in specific categories, like 3 points per dollar at restaurants or 5 points per dollar on specific travel purchases.

Besides, you can also earn additional points through different bonus offers for new cardholders, which are targeted as “Amex Offers” that give you bonus points for shopping with specific merchants or even incentives.

Since we’re at it, if there’s any issue that I need to address in my life, it’s that I keep forgetting my passwords. If that’s something you’re also dealing with, then I strongly recommend you try getting a notebook to note all your current and future passwords for cards and subscriptions. This notebook is not only super cool, but it is also “made” for people like us. Trust me, there are many people like us out there.

If you enjoyed reading this piece, you also need to read: Ready to Live on Social Security Alone? Here’s How!