Welcome to FT. One of the keys to gaining a return on your credit card use is to combine disciplined monthly pay offs with dedicated maximum usage. In other words, put everything possible on the card, including all monthly recurring bills that will accept auto-CC payments, while paying off the balance religously, every month. I have found that my cable, internet, phone, gym, and netfix will all accept CC payments without any extra fee. This varies by location, so check all of your creditors.