I don't abuse cards or rush to a minimum spend to get benefit from cash back bonuses. I use two different 2% cash back cards for groceries and food, respectfull

I don't abuse cards or rush to a minimum spend to get benefit from cash back bonuses. I use two different 2% cash back cards for groceries and food, respectfully, and pay off in full each month. in fact, these cards still give the bonuses without even carrying balance to statement close, though not all do (amex comes to mind). I have never accrued interest or fees by using the card on everyday purchases towards cash back benefits. many people are apprehensive to do this and I totally understand why, especially those who don't feel they have self control around spending habits it is worth it for me, i do have to stay vigilant but it keeps me in check with my budget at the same time. then at the end of the month I will have some extra money to pay for generous tips or a cup of coffee, or to put back in my checking/savings account. it works great for me. I never use cash unless I am buying marijuana (Washington state but not all stores allow cards at this time). having to manually track my cash spending actually has the opposite effect on frugality awareness for me, because I may forget to notate it, or will be more impulsive because I won't have to see it right away on any bank statements/spend tracker apps Obviously everyone has their own preferences. Figured I would share my contrary pov!