While I have not been actively trying to maximize our Upromise returns, here are some reasons that I think our account credits are low.
Credit cards not registered. Call me over cautious. I don't like the idea of anybody having my credit card numbers who doesn't have "valid" reason for getting them. Accepting payment is an valid reason for me. Tracking my spending for points is not. As a result, I do not get credit for some of my purchases.
Only grocery cards are registered. So we are limited to credit for items purchased at grocery stores. Based on products that qualified, 90% of them seem available at our grocery store. However, we do lose out on points for purchases on non-grocery items, such as gasoline and electronics.
We do not actively manage the purchase decisions. While I have an idea of which products qualify for Upromise, I have never made a purchase decisions based on whether a product offers Upromise credits or not.
For now, I won't be doing anything different, since I don't believe I can significantly increase our return. As this rate, our Upromise account will have about $1.12 credited when our daughter attends college:-)
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This is not financial advice. Please consult a professional advisor.
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