{"id":188740,"date":"2025-01-08T10:20:00","date_gmt":"2025-01-08T15:20:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/strategies-earn-cash-back\/"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"strategies-earn-cash-back","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/strategies-earn-cash-back\/","title":{"rendered":"Our strategies to easily earn cash back"},"content":{"rendered":"\n<p>There are <a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n\n\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\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>the least number of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/cash-back\/\">credit card<\/a> applications<\/li>\n\n\n\n<li>the cheapest way possible<\/li>\n\n\n\n<li>the minimum expenditure required<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"249968,188740,0\"\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cash-back-the-credit-card-welcome-bonus-strategy\">Cash back &#8211; The credit card welcome bonus strategy<\/h2>\n\n\n\n\n\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\n\n\n<p>For <a href=\"https:\/\/mp-2702.milesopedia.dev\/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:\/\/mp-2702.milesopedia.dev\/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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-first-round-of-credit-cards\">First round of credit cards<\/h3>\n\n\n\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\n\n\n<p>Here is the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/points-miles-value-canada\/\">valuation<\/a> obtained after the welcome bonuses following the three subscriptions:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-left\" data-align=\"left\">Credit card<\/td><td class=\"has-text-align-center\" data-align=\"center\">Bonus<\/td><td class=\"has-text-align-center\" data-align=\"center\">Minimum expenses<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rewards<\/td><td class=\"has-text-align-center\" data-align=\"center\">Annual Fees<\/td><td class=\"has-text-align-center\" data-align=\"center\">Final value<\/td><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-first-class-travel-visa-infinite-card\/\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td><td>135,000 <a href=\"https:\/\/mp-2702.milesopedia.dev\/programme-fidelite\/primes-td\/\">TD Reward<\/a> Points<\/td><td>$5,000<\/td><td>10,000 Points<\/td><td>Annual fee reimbursed in 1st year<\/td><td><strong>$725<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/avion-visa-infinite-rbc\/\"><span data-olk-copy-source=\"MessageBody\">RBC Avion Visa Infinite Card<\/span><\/a><\/td><td>35,000 Points <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/rbc-avion-rewards\/\">Avion Rewards<\/a><\/td><td>N\/A<\/td><td>N\/A<\/td><td>$120<\/td><td><strong>$560<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td><td>15,000 <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">Membership Rewards points<\/a><\/td><td>$9,000<br \/>\nspread over the 1st year<\/td><td>45,000 Membership Rewards points<\/td><td>$155.88<\/td><td><strong>$600<\/strong><\/td><\/tr><tr><td><strong>TOTAL<\/strong><\/td><td>185,000 Points<\/td><td>$14,000<\/td><td>55,000 Points<\/td><td>$275.88<\/td><td><strong>$1,885<\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-second-round-of-credit-cards\">Second round of credit cards<\/h3>\n\n\n\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\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td>Credit card<\/td><td>Bonus<\/td><td>Minimum expenses<\/td><td>Rewards<\/td><td>Annual Fees<\/td><td>Final value<\/td><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup><sup>&reg;<\/sup><\/sup> Visa Infinite* Card<\/a><\/td><td>$250<\/td><td>$2,500 over 4 months<\/td><td>N\/A<\/td><td>Annual fee reimbursed in 1st year<\/td><td><strong>$250<\/strong><\/td><\/tr><tr><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><td>3,000 <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/airmiles\/\">AIR MILES<\/a><br \/>\n($310)<\/td><td>$3,000 over 3 months<\/td><td>750 miles<br \/>\n($78)<\/td><td>Annual fee reimbursed in 1st year<\/td><td><strong>$393<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/products\/tangerine-a-case-study\/\">Tangerine Money-Back Credit Card<\/a><\/td><td>$100<\/td><td>$1,000 over 2 months<\/td><td>N\/A<\/td><td>No annual fee<\/td><td><strong>$100<\/strong><\/td><\/tr><tr><td><strong>TOTAL<\/strong><\/td><td>$660<\/td><td>$6,500<\/td><td>$78<\/td><td>$0<\/td><td><strong>$738<\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"22695,22687\"\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<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-assessment-of-the-welcome-bonus-strategy\">Assessment of the welcome bonus strategy<\/h3>\n\n\n\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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cash-back-the-long-term-strategy\">Cash back &#8211; The long-term strategy<\/h2>\n\n\n\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\n\n\n<p>Credit cards with the highest cashback rates and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/cobalt-card-best-card-canada\/#Les_assurances_de_la_carte_Cobalt\">good insurance<\/a> often come at a price. Since the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/programs\/big-change-membership-rewards\/\">changes<\/a> made to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n\n\n<p>Second, as a strategy, I recommend that you seek out credit cards to cover expenses <a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-long-term-credit-card-portfolio\">Long-term credit card portfolio<\/h3>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td>Card<\/td><td>Purchase category<\/td><td>Cash back<\/td><td>Welcome Bonus<\/td><td>Annual fee<\/td><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td><td>\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Groceries<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/5-points-stores\/\">Various gift cards<\/a><\/li>\n\n\n\n<li>Gas*<\/li>\n\n\n\n<li>Walmart<\/li>\n\n\n\n<li>Amazon*<\/li>\n\n\n\n<li>Furnishings*<\/li>\n\n\n\n<li>Restaurants<\/li>\n\n\n\n<li>Food delivery<\/li>\n\n\n\n<li>Travel<\/li>\n<\/ul><\/div>\n\n\n\n<p><\/td><td>5%<\/td><td>15,000 <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">Membership Rewards points<\/a><br \/>\n(or $150)<\/td><td>$155,88<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/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><td><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Groceries<\/li>\n\n\n\n<li>Restaurants<\/li>\n\n\n\n<li>Recurring payments<\/li>\n<\/ul><\/div>\n\n\n\n<p><\/td><td>5%<\/td><td>20,000 <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/mbna-rewards\/\">MBNA Rewards<\/a> points<br \/>\n(or $200)<\/td><td>$120<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a><\/td><td><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Recurring bill payments<\/li>\n\n\n\n<li>Drugstores<\/li>\n\n\n\n<li>Hotels and Motels<\/li>\n\n\n\n<li>Home Improvement<\/li>\n\n\n\n<li>Restaurants<\/li>\n<\/ul><\/div>\n\n\n\n<p><\/td><td>2%<\/td><td>$100<\/td><td>No annual fee<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n<\/p>\n\n\n\n<p><em>* <a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-illustrated-example-of-the-strategy\">Illustrated example of the strategy<\/h3>\n\n\n\n<p>Here are some numbers to illustrate the return of this strategy:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td>Card<\/td><td>Category<\/td><td>Annual expenses<\/td><td>Earned Rewards<\/td><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td><td>Grocery (American Express accepted)<\/td><td>$1,500<\/td><td>$75<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/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><td>Grocery store<\/td><td>$1,500<\/td><td>$75<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td><td>Gasoline<\/td><td>$1,000<\/td><td>$50<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td><td>Restaurants (American Express accepted)<\/td><td>$500<\/td><td>$25<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/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><td>Restaurants<\/td><td>$500<\/td><td>$25<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td><td>Uber Eats<\/td><td>$700<\/td><td>$35<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td><td>Tim Hortons, Starbucks<\/td><td>$500<\/td><td>$25<\/td><\/tr><tr><td>Gift card strategy<\/td><td>Walmart<\/td><td>$500<\/td><td>$25<\/td><\/tr><tr><td>Gift card strategy<\/td><td><a title=\"Amazon\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/amazon-2\/\" rel=\"noindex\">Amazon<\/a><\/td><td>$1,000<\/td><td>$50<\/td><\/tr><tr><td>Gift card strategy<\/td><td>SAQ<\/td><td>$500<\/td><td>$25<\/td><\/tr><tr><td>Gift card strategy<\/td><td>Netflix<\/td><td>$300<\/td><td>$15<\/td><\/tr><tr><td>Gift card strategy<\/td><td>Cin\u00e9ma<\/td><td>$500<\/td><td>$25<\/td><\/tr><tr><td>Gift card strategy<\/td><td>Books and cultures<\/td><td>$500<\/td><td>$25<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Discount Credit Card<\/a><\/td><td>Pharmacy<\/td><td>$300<\/td><td>$6<\/td><\/tr><tr><td>Gift card strategy<\/td><td>Furnishings (IKEA, Wayfair, etc.)<\/td><td>$400<\/td><td>$20<\/td><\/tr><tr><td>Gift card strategy<\/td><td>Minor renovation and maintenance<\/td><td>$300<\/td><td>$15<\/td><\/tr><tr><td>Gift card strategy<\/td><td>Clothing<\/td><td>$1,000<\/td><td>$50<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td><td>Miscellaneous<\/td><td>$2,500<\/td><td>$25<\/td><\/tr><tr><td>&nbsp;<\/td><td><strong>TOTAL<\/strong><\/td><td><strong>$14,000<\/strong><\/td><td><strong>$591<\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\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\n\n\n<h3 class=\"wp-block-heading\" id=\"h-gift-card-strategy\">Gift card strategy<\/h3>\n\n\n\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:\/\/mp-2702.milesopedia.dev\/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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<p>What&#8217;s more, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/american-express-offers\/\">many American Express online promotional offers<\/a> put the <a href=\"https:\/\/mp-2702.milesopedia.dev\/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:\/\/mp-2702.milesopedia.dev\/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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\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\n\n\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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>","protected":false},"excerpt":{"rendered":"<p>In this article, find out our strategies for getting maximum cash back with minimum effort, cost and expense!<\/p>","protected":false},"author":1237,"featured_media":425437,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48137],"tags":[],"mc_loyalty_program":[],"class_list":["post-188740","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","mc_market-all-of-canada","tutorial-beginner","tutorial-strategies-en"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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