Quote (CyrusTheGreat @ Nov 17 2025 07:29pm)

I personally like to rotate them based on rewards intro offers (can't do this too often of course because it does leave a temp mark on your credit score, but on the flip side once that hit falls off -- assuming you manage your debts properly and do not retain revolving credit card balances -- that means your credit may actually increase because of a higher combined total credit limit).

I made $238 so far just from buying Christmas presents this year ($200 intro rewards + $38 on those sames purchases as regular rewards). I paid $0 interest because I zeroed out the balance as soon as the charges processed. Just knowledge sharing in case it may help anyone else :)

When it's not the right period of time for a new introductory card, my "daily driver" is a WF card with very good cash rewards. That usually nets me roughly $30 a month (hey it's not much but it's free money just for buying everything I would have needed to had I used cash and then I get 1-2 week's worth of Free gas a month).

If you can be disciplined enough to only spend on the card what you can afford to pay cash at that very moment, you can profit regularly because then no interest can be charged because you'll pay it off instantly (and regularly maintain a high credit score).

*This is simply my personal experiences following the strict and rigid method explained above. There is no room for error in this "game" and credit cards can cause financial ruin in the wrong hands. None of this should be considered a replacement for professional money management advice.

Quote (Pharaohmon @ Nov 18 2025 12:11pm)

3 cards total but only use 1 for everything (cash back card)

Pay off the total every month so never paying interest

Credit score high af

Quote (Jenkem @ Nov 18 2025 09:42am)

It's a good to build your credit for sure and enjoy a little extra cash in your pocket. What cash back card do you use?

Quote (Pharaohmon @ Nov 18 2025 12:51pm)

Just a customized Bank of america card … pretty much a simple 3% cash back card

Quote (Jenkem @ Nov 18 2025 10:07am)

On nice, I did not know BOA had a 3% cash back card. That is top tier. Thanks for the info.

Quote (Pharaohmon @ Nov 18 2025 02:22pm)

BoA is my main bank since forever so they customized a card for me

Quote (Jenkem @ Nov 18 2025 11:38am)

O gotcha, I thought you meant that you got 3% cash back on every purchase. This is what the Robinhood Gold card offers. If it's just 3% cash back on certain categories thats fine but not close to top tier. There are a lot of credit cards with no annual fee that give 5-6% on certain categories. Not saying you are doing it wrong or anything, just retracting my statement of the card being top tier.

Quote (Pharaohmon @ Nov 18 2025 02:57pm)

Yea ill have to look into those other ones

Yea my 3% cash back is only on food, dining, groceries and gas

Quote (Jenkem @ Nov 18 2025 06:49am)

Yes, and the rule of thumb for the credit is to only open no more than 2 lines of credit every 6 months and no more than 5 lines every 2 years. I'm currently up to 16 credit cards and it does seem a little ridiculous.

Not sure about the WF card. I haven't been able to trust them since they did that since they did all that shady stuff about 10 years ago or so.