You must follow the rules exactly. Easy mistakes include: For credit card: - not meeting spending targets to earn signup bonuses - not utilizing all the card

You must follow the rules exactly. Easy mistakes include: For credit card: - not meeting spending targets to earn signup bonuses - not utilizing all the cards benefits (For example, discover requires you click a couple buttons to activate 5% reward. - minimum points redemption (must have > x points to convert to cash) - Forgetting to redeem points before closing the account.) For checking/savings rewards: - not meeting direct deposit targets - not maintaining an account balance