My family uses credit cards for all purchases and we pay them off in full each month. Although sometimes we’ll use a 0% APR promotion for bigger purchases.
Which cards do you use for maximizing your rewards?
I use a variety of cards but mostly rely on sign up bonuses to give me enough points to travel with. Without those I would use a cash back.
Right now I use Bilt a lot. It alows you to pay your rent and earn points. My rent is probably ~75% of my monthly expenses. Their transfer partners are very good if not the best of all programs. It also has 3x dining which isn’t a big spend for me but it’s still good. Otherwise I have a several other cards for niche categories.
I used to be really into points and used those points to travel a lot in the last decade.
