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We often obsess over the high-multiplier cards for dining or travel, but the real “hero” of a points strategy is your baseline card. This is the card you pull out for the doctor’s office, the car mechanic, and all those “random” expenses that usually only earn 1 point per dollar.
By using a card that earns at a high rate on all purchases, you ensure you’re never “leaving money on the table.” Here are the best ways to maximize your daily catch-all spending.
You can also “over spend” to maximize your return by buying gift/gas cards that are sold at the grocery stores. For example, if you get coffee at Starbucks, you can get a gift card at Kroger that will earn you a 3% cash back.
