My current rotation of cash back credit cards cover just about all of my major expenses - leading to approximately $100 per month in cash back. Here's a break down of each card and how I use it!

00:00 - Intro
0:50 - Discover It Cash Back Card
3:10 - Citi Custom Cash Card
5:16 - M1 Finance Owner's Rewards Card
8:33 - My NEXT Credit Card

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Discover It Card (Get $100 + Cash Back Match):
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M1 Finance Card (Get $300):
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Citi Custom Cash Card (Get $200):
https://www.citi.com/credit-cards/cit...

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I NEVER make a purchase without using a credit card, because it is honestly the easiest way to save money, or make money, depending on how you look at it.

Of course you should always follow the simple rules of paying your card off in full every month and never using it for purchases you can’t immediately afford. But with the right combination of cards, you can get substantial discounts on nearly every purchase you make.

In this video, I’ll be walking you through the 3 credit cards I use to maximize my cash back, netting about $100 per month in cash back rewards. Across these cards, I get up to 10% cash back in some cases, with 5% back on most spending categories and an unlimited 1.5% back on anything else. All of these can be great cards for beginners, or just great cards to add to your rotation, and my favorite card is one that I still don’t see anyone talking about.

The first card that I keep handy is the Discover It Cash Back card. This is always my first recommendation for a beginner-friendly credit card because the rewards are so generous, especially in your first year. The rewards structure for the card is pretty simple. Every quarter, or every 3 months, the card has a designated category for 5% cash back. You get this 5% rate on up to $1,500 in spending each quarter, which means you can earn $75 in cash back from these categories per quarter, or, $300 per year if you max it out. Any purchases outside of these categories will earn you a flat 1% cash back. The best part is, if you’re a new card holder, Discover matches all of your cash back for the first 12 months

My second go-to card is the Citi Custom Cash Card. This is a great card, but I think it’s best used as a complimentary card, and not as your primary credit card. The Citi Custom cash card gives you 5% back on your top spending category every month. This is capped at $500 per month in spending, which translates to $25 per month in cash back, similar to the Discover card. Anything after that, or in the non-top spending category, will earn you an unlimited 1% back. The categories eligible for this 5% rate include restaurants, gas stations, grocery stores, travel, transit, streaming services, drugstores, home improvement stores, fitness and live entertainment. The nice part is that the card will automatically detect the highest spending category to maximize your cash back, so you don’t have to do a thing other than use the card, and you’ll earn the highest possible rewards.

My last and favorite card is the M1 Finance Owner’s Rewards card. This card is unique because it offers you generous cash back when you spend at a company you also own stock in. As such, it is a great fit for anyone who is already investing with M1 Finance, but the rewards are generous enough that it might be worth opening an account just for the card. You can earn up to $200 in cash back every month, with rates ranging from 1.5% all the way up to 10% cash back. My favorite feature is the ability to redeem the cash back directly in your investment portfolio.

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This video is meant for informational purposes only, and is not a recommendation to buy or sell any security or cryptocurrency. It is also not a research report and should not serve as the basis for any investment decision. Additionally, I earn commissions for purchases and sign-ups made through the links above.