Credit cards can feel like the ultimate two-faced friend: full of perks but quick to betray you if you’re not careful. Mastering those shiny rewards while sidestepping debt? Totally doable. Here’s how you can make your card work for you, not against you.

Pick the Right Partner

Think of credit cards like relationships. Some are all about travel, while others are better for your daily coffee runs. Match your card’s rewards to your lifestyle. Love jet-setting? Look for travel points. A foodie? Cashback on dining is your jam.

Know the Rules of the Game

Every card has a playbook. Read it! Learn about reward categories, caps, and deadlines. Ignoring the fine print is like skipping the rules of Monopoly and then wondering why you’re broke by the third round.

Always Pay Your Bill in Full

Let’s keep it real: interest rates are the villains in this story. Paying your balance in full every month is non-negotiable. Carrying a balance? Say goodbye to rewards and hello to debt spirals.

Leverage Bonus Categories

Many cards offer bonus points or cashback on specific categories like groceries or gas. If your card gives 5% cashback on groceries, make sure your weekly shopping sprees earn those rewards. Timing matters too—some categories rotate quarterly.

Don’t Chase Rewards Blindly

Buying a $1,000 gadget you don’t need just for 2% cashback is like eating an entire cake to get the free slice. Focus on spending wisely and let rewards be the cherry on top—not the main course.

Track Your Points Like a Pro

Rewards often come with expiration dates, so don’t let your hard-earned points vanish. Use apps or spreadsheets to keep tabs on them. Redeem strategically for maximum value—sometimes, a flight is a better deal than a gift card.