{"id":188740,"date":"2025-01-08T10:20:00","date_gmt":"2025-01-08T15:20:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/strategies-earn-cash-back\/"},"modified":"2025-01-10T17:22:18","modified_gmt":"2025-01-10T22:22:18","slug":"strategies-earn-cash-back","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/strategies-earn-cash-back\/","title":{"rendered":"Our strategies to easily earn cash back"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>There are <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">hundreds of different credit cards<\/a> on the market to earn <strong>cash back<\/strong> rewards for everyday savings.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>However, how do you maximize <strong>cash back<\/strong> with a small amount of spending? This article explains a strategy for optimizing purchases in the right categories for each credit card (restaurants, grocery stores, gasoline, AIR MILES partners, etc.):<\/p>\n<ul>\n<li>the least number of <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/cash-back\/\">credit card<\/a> applications<\/li>\n<li>the cheapest way possible<\/li>\n<li>the minimum expenditure required<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"249968,188740,106257\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Cash back &#8211; The credit card welcome bonus strategy&#8221; css=&#8221;&#8221; el_id=&#8221;cash_back_-_the_credit_card_welcome_bonus_strategy&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>When you start to venture into the world of credit card rewards, you quickly realize that the most lucrative strategy is to apply for credit cards in order to earn welcome bonuses.<\/p>\n<p>For <a href=\"https:\/\/milesopedia.com\/en\/beginners-guide\/\">beginners<\/a>, we recommend starting with one or two credit cards, then spacing out applications by at least 6 to 9 months. Then, once you&#8217;re more comfortable with <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/management-expenses-credit-cards\/\">credit card management<\/a>, you can increase the number of credit card applications and space them out over time.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"166044\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;First round of credit cards&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;first_round_of_credit_cards&#8221;][vc_column_text]<\/p>\n<p>The credit cards suggested in the first round of the strategy provide rewards points primarily for travelers. However, these points are <strong>indirectly<\/strong> a form of <strong>cash back<\/strong>, depending on how you look at the strategy.<\/p>\n<p>Here is the <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\">valuation<\/a> obtained after the welcome bonuses following the three subscriptions:<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<table>\n<thead>\n<tr>\n<td style=\"text-align: left;\">Credit card<\/td>\n<td style=\"text-align: center;\">Bonus<\/td>\n<td style=\"text-align: center;\">Minimum expenses<\/td>\n<td style=\"text-align: center;\">Rewards<\/td>\n<td style=\"text-align: center;\">Annual Fees<\/td>\n<td style=\"text-align: center;\">Final value<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card\/\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td>135,000 <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/primes-td\/\">TD Reward<\/a> Points<\/td>\n<td>$5,000<\/td>\n<td>10,000 Points<\/td>\n<td>Annual fee reimbursed in 1st year<\/td>\n<td><strong>$725<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/avion-visa-infinite-rbc\/\"><span data-olk-copy-source=\"MessageBody\">RBC Avion Visa Infinite Card<\/span><\/a><\/td>\n<td>35,000 Points <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/rbc-avion-rewards\/\">Avion Rewards<\/a><\/td>\n<td>N\/A<\/td>\n<td>N\/A<\/td>\n<td>$120<\/td>\n<td><strong>$560<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td>\n<td>15,000 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">Membership Rewards points<\/a><\/td>\n<td>$9,000<br \/>\nspread over the 1st year<\/td>\n<td>45,000 Membership Rewards points<\/td>\n<td>$155.88<\/td>\n<td><strong>$600<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>TOTAL<\/strong><\/td>\n<td>185,000 Points<\/td>\n<td>$14,000<\/td>\n<td>55,000 Points<\/td>\n<td>$275.88<\/td>\n<td><strong>$1,885<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>This strategy accumulates <strong>$1,610<\/strong> in net worth ($1,885 &#8211; $275) on <strong>$14,000 in expenses<\/strong>, for a return of <strong>11.5%<\/strong>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22724,22621,22739\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"185630\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Second round of credit cards&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;second_round_of_credit_cards&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In this second part of the strategy, the suggested credit cards give welcome rewards and <strong>cash back<\/strong> bonuses directly:<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<table>\n<thead>\n<tr>\n<td>Credit card<\/td>\n<td>Bonus<\/td>\n<td>Minimum expenses<\/td>\n<td>Rewards<\/td>\n<td>Annual Fees<\/td>\n<td>Final value<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup><sup>&reg;<\/sup><\/sup> Visa Infinite* Card<\/a><\/td>\n<td>$250<\/td>\n<td>$2,500 over 4 months<\/td>\n<td>N\/A<\/td>\n<td>Annual fee reimbursed in 1st year<\/td>\n<td><strong>$250<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a target=\"_blank\" href=\"\/?p=22663\">BMO AIR MILES<sup><sup>&reg;<\/sup>\u2020<\/sup> World Elite<sup><sup>&reg;<\/sup>*<\/sup> Mastercard<sup><sup>&reg;<\/sup>*<\/sup><\/a><\/td>\n<td>3,000 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/airmiles\/\">AIR MILES<\/a><br \/>\n($310)<\/td>\n<td>$3,000 over 3 months<\/td>\n<td>750 miles<br \/>\n($78)<\/td>\n<td>Annual fee reimbursed in 1st year<\/td>\n<td><strong>$393<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/tangerine-a-case-study\/\">Tangerine Money-Back Credit Card<\/a><\/td>\n<td>$100<\/td>\n<td>$1,000 over 2 months<\/td>\n<td>N\/A<\/td>\n<td>No annual fee<\/td>\n<td><strong>$100<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>TOTAL<\/strong><\/td>\n<td>$660<\/td>\n<td>$6,500<\/td>\n<td>$78<\/td>\n<td>$0<\/td>\n<td><strong>$738<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>This strategy yields <strong>$738<\/strong> in net worth on <strong>$6,500 in expenses<\/strong>, a return of <strong>11.4%.<\/strong><\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22695,22476,22687\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Assessment of the welcome bonus strategy&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;assessment_of_the_welcome_bonus_strategy&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>So, with these two rounds of credit cards, an individual&#8217;s annual spending of <strong>$20,500<\/strong> could generate <strong>$2,348 in cash back<\/strong>. That&#8217;s a return of 11.5%.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"242029\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Cash back &#8211; The long-term strategy&#8221; css=&#8221;&#8221; el_id=&#8221;cash_back_-_the_long-term_strategy&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>For a variety of reasons, many people prefer the strategy of arming themselves with a good wallet that has one <strong>cash-back<\/strong> credit card, to be kept for the long term with little annual fee to pay.<\/p>\n<p>Credit cards with the highest cashback rates and <a href=\"https:\/\/milesopedia.com\/en\/avis\/cartes-credit\/cobalt-card-best-card-canada\/#Les_assurances_de_la_carte_Cobalt\">good insurance<\/a> often come at a price. Since the <a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/big-change-membership-rewards\/\">changes<\/a> made to the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a>, it has become one of the best <strong>cash-back<\/strong> credit cards in Canada.<\/p>\n<p>Second, as a strategy, I recommend that you seek out credit cards to cover expenses <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-cards-acceptance-canada-quebec\/\">where American Express is not accepted<\/a>, or categories that aren&#8217;t boosted.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"96450,64086\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Long-term credit card portfolio&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;long-term_credit_card_portfolio&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<table>\n<thead>\n<tr>\n<td>Card<\/td>\n<td>Purchase category<\/td>\n<td>Cash back<\/td>\n<td>Welcome Bonus<\/td>\n<td>Annual fee<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td>\n<td>\n<ul>\n<li>Groceries<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/5-points-stores\/\">Various gift cards<\/a><\/li>\n<li>Gas*<\/li>\n<li>Walmart<\/li>\n<li>Amazon*<\/li>\n<li>Furnishings*<\/li>\n<li>Restaurants<\/li>\n<li>Food delivery<\/li>\n<li>Travel<\/li>\n<\/ul>\n<\/td>\n<td>5%<\/td>\n<td>15,000 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">Membership Rewards points<\/a><br \/>\n(or $150)<\/td>\n<td>$155,88<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/mbna-rewards-world-elite-qc\/\">MBNA Mastercard<sup><sup>&reg;<\/sup><\/sup> World Elite<sup><sup>&reg;<\/sup><\/sup> Rewards credit card (Quebec)<\/a><\/td>\n<td>\n<ul>\n<li>Groceries<\/li>\n<li>Restaurants<\/li>\n<li>Recurring payments<\/li>\n<\/ul>\n<\/td>\n<td>5%<\/td>\n<td>20,000 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/mbna-rewards\/\">MBNA Rewards<\/a> points<br \/>\n(or $200)<\/td>\n<td>$120<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a><\/td>\n<td>\n<ul>\n<li>Recurring bill payments<\/li>\n<li>Drugstores<\/li>\n<li>Hotels and Motels<\/li>\n<li>Home Improvement<\/li>\n<li>Restaurants<\/li>\n<\/ul>\n<\/td>\n<td>2%<\/td>\n<td>$100<\/td>\n<td>No annual fee<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><em>* <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/5-points-stores\/\">Gift cards<\/a> for these stores can be purchased in grocery or convenience stores for 5% cash back.<\/em><\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22687,22621,25774\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Illustrated example of the strategy&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;illustrated_example_of_the_strategy&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Here are some numbers to illustrate the return of this strategy:<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<table>\n<thead>\n<tr>\n<td>Card<\/td>\n<td>Category<\/td>\n<td>Annual expenses<\/td>\n<td>Earned Rewards<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td>\n<td>Grocery (American Express accepted)<\/td>\n<td>$1,500<\/td>\n<td>$75<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/mbna-rewards-world-elite-qc\/\">MBNA Mastercard<sup><sup>&reg;<\/sup><\/sup> World Elite<sup><sup>&reg;<\/sup><\/sup> Rewards credit card (Quebec)<\/a><\/td>\n<td>Grocery store<\/td>\n<td>$1,500<\/td>\n<td>$75<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td>\n<td>Gasoline<\/td>\n<td>$1,000<\/td>\n<td>$50<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td>\n<td>Restaurants (American Express accepted)<\/td>\n<td>$500<\/td>\n<td>$25<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/mbna-rewards-world-elite-qc\/\">MBNA Mastercard<sup><sup>&reg;<\/sup><\/sup> World Elite<sup><sup>&reg;<\/sup><\/sup> Rewards credit card (Quebec)<\/a><\/td>\n<td>Restaurants<\/td>\n<td>$500<\/td>\n<td>$25<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td>\n<td>Uber Eats<\/td>\n<td>$700<\/td>\n<td>$35<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td>\n<td>Tim Hortons, Starbucks<\/td>\n<td>$500<\/td>\n<td>$25<\/td>\n<\/tr>\n<tr>\n<td>Gift card strategy<\/td>\n<td>Walmart<\/td>\n<td>$500<\/td>\n<td>$25<\/td>\n<\/tr>\n<tr>\n<td>Gift card strategy<\/td>\n<td><a title=\"Amazon\" href=\"https:\/\/milesopedia.com\/en\/go\/amazon-2\/\" rel=\"noindex\">Amazon<\/a><\/td>\n<td>$1,000<\/td>\n<td>$50<\/td>\n<\/tr>\n<tr>\n<td>Gift card strategy<\/td>\n<td>SAQ<\/td>\n<td>$500<\/td>\n<td>$25<\/td>\n<\/tr>\n<tr>\n<td>Gift card strategy<\/td>\n<td>Netflix<\/td>\n<td>$300<\/td>\n<td>$15<\/td>\n<\/tr>\n<tr>\n<td>Gift card strategy<\/td>\n<td>Cin\u00e9ma<\/td>\n<td>$500<\/td>\n<td>$25<\/td>\n<\/tr>\n<tr>\n<td>Gift card strategy<\/td>\n<td>Books and cultures<\/td>\n<td>$500<\/td>\n<td>$25<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Discount Credit Card<\/a><\/td>\n<td>Pharmacy<\/td>\n<td>$300<\/td>\n<td>$6<\/td>\n<\/tr>\n<tr>\n<td>Gift card strategy<\/td>\n<td>Furnishings (IKEA, Wayfair, etc.)<\/td>\n<td>$400<\/td>\n<td>$20<\/td>\n<\/tr>\n<tr>\n<td>Gift card strategy<\/td>\n<td>Minor renovation and maintenance<\/td>\n<td>$300<\/td>\n<td>$15<\/td>\n<\/tr>\n<tr>\n<td>Gift card strategy<\/td>\n<td>Clothing<\/td>\n<td>$1,000<\/td>\n<td>$50<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td>\n<td>Miscellaneous<\/td>\n<td>$2,500<\/td>\n<td>$25<\/td>\n<\/tr>\n<tr>\n<td>&nbsp;<\/td>\n<td><strong>TOTAL<\/strong><\/td>\n<td><strong>$14,000<\/strong><\/td>\n<td><strong>$591<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>With this portfolio, an individual&#8217;s annual expenses of <strong>$14,000<\/strong> could generate <strong>$315.12<\/strong> in <strong>cash back <\/strong>once annual fees are subtracted ($591 &#8211; $155.88 &#8211; $120) or <strong>2.25%. <\/strong>This strategy yields a significantly lower return when underwriting bonuses are removed from the equation. However, an average of <strong>2.25%<\/strong> <strong>cash back<\/strong> is still excellent.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Gift card strategy&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;gift_card_strategy&#8221;][vc_column_text]<\/p>\n<p>When you have few credit cards, the best strategy is to make sure you go out and optimize each category of purchase to get the most optimal <strong>cash back<\/strong> possible. The <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/5-points-stores\/\">gift card strategy<\/a> is therefore essential to master when it comes to <strong>cash back<\/strong>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"131976\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>What&#8217;s more, <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\">many American Express online promotional offers<\/a> put the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup><\/a> Card annual fee into perspective. With <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-statement-credits\/\">generous American Express credits<\/a>, the real return on this strategy is around <strong>4% to 5% cash back<\/strong>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"70999,182305\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; css=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In short, there are several strategies for optimizing credit card purchases and maximizing <strong>cash<\/strong> back. The aim is to apply for as few cards as possible, pay as few fees as possible and spend as little as possible.<\/p>\n<p>If you have any <strong>cash-back<\/strong> strategies of your own, don&#8217;t hesitate to share them with the <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">Milesopedia Facebook community<\/a>!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>In this article, find out our strategies for getting maximum cash back with minimum effort, cost and 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