RULE #1 use your rewards credit cards as much as possible.

But stay in your budget. Use your emergency credit card only for unexpected purchases. Try to never use your debit cards, checks, or cash to make purchases.

Debit cards, checks, and cash offer no rewards. Debit cards and checks have little security, and the money come right out of your bank account. Most people also make the mistake of treating there debit cards like credit cards. Remember debit cards are just another version of checks.

Important thing to remember: some rewards programs have special ofter. So look out for these specials. If one credit card has 5% cash back on movies for the next three months, you will use that credit card at the movies for the next three months.

Remember use your rewards credit cards as much as possible. The rewards add up over time. Example, if you pay $200 in utilities a month and pay that using a credit card that gives you %2 cash back on utilities. That will give you $48 dollars a year in rewards. Just for paying your utilities using your rewards credit card.