5% Cash Back On Everything

5% Cash Back credit cards with rotating categories are the norm these days. By having a number of them and a cash back cheat sheet, you can easily tap into the 5% cash back in an aggregate manner. That is, you combine the power of all these cards to get you basically 5% off almost every category imaginable.

Reloading a gift card is a valid way to offset your Amazon purchases later. You buy the card now to fill up the spend requirements, and you slowly spend it as needed when you buy things the next few months. The gift card credit does not expire.

For example, if you do this you can effectively get 5% cash back on gas/groceries/restaurants/Target and 2-3% cash back on everything else!

Beware of credit cards though as usage of these cards is a bit like playing with fire. If you are not diligent on spending only what you have, you may easily get yourself into debt. Remember to always set the auto-pay method on these cards to auto-pay your statement in full each week to mitigate the risk of a late payment and adversely affecting your credit score. This is even more important when you have a multitude of cards like myself since it is easy to miss a payment when doing all this card juggling manually. .

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