My wife and I discovered years ago that we could rack up a ton of points on credit cards just with the monthly expenses. So we looked around until we found a Mastercard that had the greatest rewards program I had ever seen. This is it, in case anyone else is interested: Barclaycard Arrival® Plus World Elite Mastercard® | Barclays US So we each have a card for the same account and put everything we possible can on it: groceries, gas, cable bill, water bill, etc etc. At the end of the month, it's a hefty bill - and also a lot of travel points. The bill gets paid in full, so there's never any interest. By the end of the year, there's 4 figures in travel credits sitting on that account that can go towards anything travel related - plane tickets, hotels, rental cars, etc. We just save up enough and then take a free vacation. I also like the protection that credit card purchases come with. So many people aren't doing this, and when I ask them why not they have no answer. I think some of them think they won't be disciplined enough to pay off the bill every month.