How To Use Credit Cards To Make Money With Cashback

Earn rewards and bonuses while paying off your balance in full every month.

💳 Step 1: Choose a Cashback Credit Card

Look for cards that offer:

  • 1%–5% cashback on everyday purchases
  • Signup bonuses
  • No annual fee if possible
  • Extra rewards on groceries, gas, or dining

🛒 Step 2: Use It For Everyday Expenses

Use your credit card for groceries, bills, streaming, and online purchases — money you would spend anyway — and earn rewards for it.

📆 Step 3: Pay Your Balance In Full

Always pay your statement balance in full each month. Interest payments cancel out cashback rewards.

Example: Spend $1,500/month, earn 2% cashback = $30/month or $360/year — for free!

🎁 Step 4: Maximize Signup Bonuses

Many cards offer $200–$500 bonuses when you meet spending requirements within the first 3 months. Use planned purchases to earn extra money.

⚠️ Important Rules

  • Never spend more than your usual budget
  • Always pay your balance in full
  • Track rewards and spending carefully
  • Do not open too many cards at once

Credit card companies profit from people paying interest. By paying in full and earning rewards, you turn the system in your favor.

Looking for more ways to earn online? Check out our Surveys page or learn how to earn cashback on our Shopping page.