> Oh and I pay those bills in full on time. So no fees to them. Feels good to score against the banks :-) It's weird, but the reality is the rewards from credi

> Oh and I pay those bills in full on time. So no fees to them. Feels good to score against the banks :-) It's weird, but the reality is the rewards from credit cards can be ridiculous, whether percent-cash back, miles (for heavy travelers) or signup bonuses. For those unaware, there are people who try to maximize the signup bonuses in particular through a process called "churning", mostly to travel for near or at no cost at all. There's very detailed guides on how to maximize the signup bonuses. I don't churn, but I do try to maximize what I can get back for things I buy anyways. * One card gives me 6% cash back at grocery stores. I do eat food after all (I cook 99% of my meals, and rarely eat out). I also use them as my pharmacy. 6% off food and medication -- two things I can't live without -- is pretty good. There is a fee for this card, but the cash back puts me at +$285 back a year after the annual fee. * Amazon gives me 5% back off what I get through them. Sure, I'll take another 5% off. * One gives me 5% off gasoline. I tend to need gasoline at the moment. Sure, I'll take that! * Two have rotating 5% categories, that tend not to overlap. So sometimes I can get 5% off something I needed anyways. Great! * One gives me 2% back that goes into my IRA. If I had kids, I could put it in their 529 instead. Automatic planning for the future on anything where I'd normally get just 1% instead. Sweet! * This year I moved and planned on getting a new dishwasher, washer and dryer. So I searched for cards with a cash-back on spend signup bonus. Found one that best matched, which was $300 back if I spent $3000 in the first 90 days... plus 1% cash back on the card. Got $334 back in total on money I was going to spend anyways, which was a 10% discount. Sure thing! I realize merchants pay higher fees to give me these rewards. If these huge rewards go away, that won't bother me. I'll still use the cards with lower rewards, because something is better than nothing, the issuers fight harder than my bank would if I used debit and things happened, and I haven't ever paid a cent in interest on a credit card.