How to maximize cash back with your credit card - Part 2

If you're looking for a new cash back card, do your research to make sure that the welcome offer is good and that you can easily meet the minimum spending requirement. There are many cash-back credit cards with good sign-up bonuses, such as:
Find cards that give you bonus cash back in the things you buy most.
Once you know where you really spend your money each month, you should apply for the cash-back card that gives you the most money back based on how you spend your money.

For example, if you spend a lot of money on groceries every month, you'll want to get a cash-back card that matches your spending habits. For example, the Blue Cash Preferred® Card from American Express gives cardholders 6% cash back on purchases made at U.S. supermarkets (up to $6,000 in purchases per calendar year, then 1%).

4. Diversify your spending strategy
You can make sure you're getting the most out of each of your credit cards by taking a few steps.
First, you shouldn't be picky about which cash-back cards you use. It's a good idea to use more than one credit card to earn cash back.

With the Blue Cash Preferred Card from American Express, you can get 6% cash back on U.S. supermarket purchases (up to $6,000 per year, then 1% cash back), which is great. However, you don't have to settle for just 1% cash back on most other purchases.

Keep a second card in your wallet, like a cash-back card with a flat rate of 2% that you can use for purchases that don't fit into a higher-earning bonus category.

Find out what each card is best for by doing some research. Add a small label to your card to remind you what to use it for, give each card a helpful nickname in your digital wallet, or slip a hand-written explanation into your wallet so you can use the right card at the right time.

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