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The most effective ways to utilize your cashback credit card used to charge everything to this card, for example, your gas, groceries, bills, travel, and any other expenses you can put on your cash back rewards credit card. When you receive your bill, the payoff the balance in full each month, so no interest accrues.
Currently the most popular cash back credit cards are the Discover® More® Card, the Chase Freedom Card, and the American Express Costco True Earnings Card. When choosing a cash back credit card, make sure the interest rate is within reason, and the annual fee is $0.