- Credit Cards
Best Credit Cards to Hack Your Spending
Are you tired of spending money and getting nothing in return? Choosing credit cards over debit cards and using them responsibly can sometimes feel like you’ve stumbled upon a hack in the world of personal finance. It’s like you’re secretly leveling up your money game. Unlike debit cards, credit cards can be your ticket to building up that all-important credit score. Pay your bills on time, manage your credit wisely, and voila – you’re boosting your financial street cred and setting yourself up for better deals down the road.
But here’s where the real fun begins – those rewards and cashback perks. It’s like getting a high-five from your credit card company every time you swipe. From earning points for your next adventure to getting cash back on everyday purchases, using credit cards smartly turns your regular spending into a sneaky way to save or treat yourself. In 2023, I earned over 275,000 points just for spending my money on gas, groceries, utilities, etc.
Say goodbye to debit cards – use a credit card that pays you back for your everyday spending in a way that best suits you:
FOR THE EXPLORER
This is my go-to card! By using a travel card for all of my purchases, I was able to visit 4 countries, 2 states, rent 2 rental cars, and stay 3 nights at hotels in 2023 for $0. That’s right - travel hacking has changed my life. Seeing the world does not have to break your bank any longer.
Earn a $300 travel credit plus 60,000 bonus points with either Chase Sapphire® card. I can be rewarded if you apply here and are approved for the card.
Click here to sign-up!
FOR THE BEGINNER
Here are some cards with no fees to allow people starting to journey into credit card rewards with simplicity. Perfect for users just beginning to build their credit.
FOR THE ENTREPRENEUR
Whether it’s an Etsy shop out of your home or a million-dollar company, no business is too small for its own card. Explore the perks that come with these business cards and keep your expenses separate to keep track with ease.
Looking for an extra bonus for those larger start up costs? Here’s 90,000 points. Thank me later!
FOR THE SAVINGS GURU
Maximize your savings on your everyday purchases and enjoy some extra cash at the end of the year from it. Some cards have fixed percentages for all spending categories, while others can be chosen to fit your lifestyle.
Now, the key here is responsible use. It’s not about maxing out your card and hoping for the best. It’s more like making your credit card work for you. Pay off the full balance each month, avoid those pesky interest charges, and watch your financial game level up.
For more tips and tricks on improving your credit, follow me on instagram!
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