If you don't carry a balance: earn extra bonuses by using your card on a wide range of purchases

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If you are good at avoiding fees by paying your balance in full, and like the rewards you are earning when you charge, expand your benefits by charging whenever possible - which may be at more places than you think. Utility companies often let you pay by credit card and you can set them up to autopay this way. Fast food restaurants like McDonald's and Subway take credit cards at a lot of locations. School tuition, the down payment on a new car, and more might be chargeable so remember to ask before you pay. Always try to use the card that offers you the best bonuses on that purchase (some for example might give bonus points/cash for paying utility bills or eating out).

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