Beyond travel there are many great ways to use all the different points that credit card companies offer, and in varying amounts. Smaller rewards, like movie tickets or gifts cards for dinner out, require fewer points and thus less spending to receive. Redeeming reward points in the months leading up to Christmas can help stretch your gift-giving budget. However, if you’re not in a position to pay your cards off in full every month, your focus should not be on collecting points; it should be on getting out of debt.