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Credit Cards

Use these like you use cash and you'll be fine.

Determine highest and best use cases

Different cards will come with different rewards structures. Use the highest grocery store rewards card to buy your groceries, the highest gas station rewards card to buy gas, and so on.

Use a label maker to write the optimum use case for each of your credit cards. Also make sure to note the billing zip codes for each card.

Points and miles

Each new card you apply for will likely come with a reward of points or miles after spending a certain amount in a predetermined time frame. These points can then be redeemed to travel for free, explained in the Travel Hacking section.

Target one reward at a time, and know how much needs to be spent and by when. Helpful to add it to your Google Calendar. Use these cards for your scheduled resupplies, explained in the Minimalism section.

Credit card organization

If you collected baseball cards as a kid, the plastic pages you would put the cards in are a great organizational tool for your credit cards.

Credit Card Organization


It's best to keep your credit cards in a binder with a zippered closure like this one. Credit cards have a tendency to slide easily and you definitely do not want these scattering.

Horror stories with credit cards

All of the horror stories you hear online about people getting burned with credit cards all stem from irresponsible spending. If you buy things with credit cards the same way you buy things with cash, you will be fine.

Your first credit cards

If you are building your credit score from scratch you will need to get a few secured credit cards. Best options can be found at


The security deposits on these cards will cost ~$250. These deposits will be returned after a few months of on-time payments.

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