Rewards credit cards can be one of the best ways to rack up the points and miles you need to cover the cost of some (or all) of your next vacation.

That said, it’s perfectly normal to feel like you’ve gone months with a rewards balance worth only a couple bucks. You’re not the only one who checks their account balance and wonders when they’ll ever meaningfully accrue enough points to book a trip.

But it doesn’t have to be that way. It’s entirely possible to earn tens of thousands of points per year — without also spending thousands of dollars on your credit card. It just takes some work to maximize those rewards.

So how do you earn points faster? How do you earn more miles on your credit card? Here are six straightforward tips for earning more miles, points or cash back:

1. Hit the minimum spending requirement to earn a sign-up bonus

Most credit cards offer some sort of sign-up bonus, which is an influx of points, miles or cash in exchange for spending a certain amount of money within a specific period of time. And sign-up bonuses typically amount to a hefty enough chunk that they will likely make a big dent in the usual cost of your next vacation. You’d be hard-pressed to find any other way to earn that many miles and points that quickly.

For example, here’s the sign-up bonus on Chase Sapphire Reserve®: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

And air travelers might be interested in the sign-up bonus on the Southwest Rapid Rewards® Priority Credit Card: Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

But while sign-up bonuses can often be worth hundreds of dollars (and sometimes more than a thousand), never spend more than you otherwise intended, and never go into debt, just to earn the bonus. If you need to spend $3,000 in three months, but you only have the means to charge and pay off $500 per month, the sign-up bonus will be at least partially negated by finance charges. Avoid carrying credit card debt unless absolutely necessary.

Here are some strategies to help ensure you earn the bonus:

Time card applications around major purchases

If your usual monthly spend is $1,000, but you need to spend $4,000 in three months, time your application around periods where you expect to spend more than usual, such as a month where you anticipate buying that new laptop in addition to your usual purchases or perhaps around the holidays for gift buying.

Create reminders

Set a calendar reminder or smartphone alert a few weeks before the minimum spend deadline. When the time comes, confirm whether you’re on track to hit the bonus. While it’s generally not a good idea to spend more than you intended to hit the sign-up bonus, perhaps you make a monthly Costco run a little earlier than usual to cross that final hump.

2. Take advantage of additional bonus offers

While the sign-up bonus is often the best way to earn a giant trove of points in one fell swoop, it’s often not the only way.

Authorized user bonuses

Some credit cards offer additional bonuses for adding an authorized user. If you’re comfortable adding someone an authorized user, such as a partner or a trustworthy, college-age child, this can earn extra points. Just be cautious about adding authorized users because while that person will be able to use the credit account‚ they’re not legally obligated to make payments. You’re responsible for charges they make.

Referral bonuses

Some cards offer thousands of bonus points if friends are approved for credit cards using your referral link. Browse your contacts for friends or family you can convince to apply.

Additional spending bonuses

Some cards periodically offer bonus points to encourage ongoing spending. You might see a promotion like, "Earn an extra 10,000 points for every $1,000 spent between now and the end of the year." Assuming you don’t get a better earnings rate on another credit card, these offers can be lucrative.

Other cards offer perks that aren’t points for hitting spending thresholds — and often these perks can even be more valuable than points. For example, World of Hyatt Credit Card offers a free night certificate at any Category 1–4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year. A free night can be worth a couple hundred dollars, even at low end properties.

3. Use online shopping portals

While we generally don’t recommend using points and miles to buy stuff (they’re almost always more valuable when redeemed for travel), we do recommend using shopping portals for online shopping you were intending to do anyway, as they can earn you extra points and miles toward your next trip. Many loyalty programs — especially frequent flyer programs — have online shopping portals, sometimes referred to as "virtual malls."

A number of major brands appear in shopping portals, like Apple, The Disney Store, GNC, Kohl’s, Gap and Nike. Here’s how it works: You still shop as usual through the merchant’s website. But before you do that, you’ll need to take one extra step of navigating to their online shop through a link affiliated with your frequent flyer account. When you do that, a cookie is put in your browser to track your shopping activity, in turn crediting you with miles correlated to your purchase.

You can even double-dip on rewards. Charge your purchase to a credit card that earns travel rewards to earn those points and miles too.

4. Take advantage of temporary bonuses

Whether it’s rotating categories or temporary bonuses, pay attention to when it’s time to use a certain credit card or to activate bonuses.

Rotating spending categories

Some credit cards like the Chase Freedom Flex℠ offer bonus rewards in categories that rotate every few months. A sticky note on your card with a phrase like, "restaurants and PayPal, July through September" can help you track which card to use and when.