I am the kind of person who will carry more credit cards than cash. It’s just convenient for me – a cup of coffee and a bagel are just one swipe away. Just think about many coins you get return from small purchase like coffee, newspaper, and sandwich. When said convenience, it’s not just for me. It’s for everyone who is waiting behind me. Most of the purchases with small dollar amount don’t require a signature. The cashier can take the next customer after you swipe you card (unless you need the receipt). Most importantly you are earning rewards with every dollar you spend! One reward point for a dollar spent. And the points never expire.

Some credit cards make it easier to earn rewards these days. Chase Rewards Card with Blink is one card that doesn’t even require a swipe. All you need to do is to bring your card toward the credit card readers with a special sensor. The card reader then rings up the transaction. There is no paper to sign (very environmental friendly too). The Blink card readers are now widely available at fast-food restaurants like Wendy’s and McDonalds.

Just think about something that costs $5.55 and you will end up paying 6.03 with tax. If you don’t have the exact change (I bet most people don’t), you will end up giving a $7 and getting about $.97 changes in coins. That could be annoying. Just use your credit cards, save time and hassle. Your cashier will certainly appreciate it. And every dollar you spend earns you 1 point. In the case of Chase rewards card, 100 points will give you $1 back with minimum 2500 points to be able to redeem. Just by purchasing breakfast and lunch everyday can earn you $25 rewards quicker than you think. It’s the only card that I use everyday for every purchase – breakfast, lunch, pen, stamp, snack, transportation, you name it! I have earned many $25 gift cards from Chase ever since I signed up for the Chase rewards card.

To earn even more rewards with every credit card purchase – beware of promotions like double reward points. From time to time, especially during holiday shopping season, card issuers offer double or triple reward points during a certain period of time. Even though the promotion is free, you still have to log into your account or call customer service to sign up. Department store reward cards usually offer you like 3 days to 1 week to shop so you can earn more rewards. Some of the stores occasionally promote a certain hot items and you can earn up to 5 times the regular reward points if you purchase a special items. There are a lot ways to earn rewards quickly. The bottom line is that you don’t need the merchandise, never buy it.