The price of gas where I fill up is $2.23 per gallon.

But I just filled my tank at a net cost of$1.98 per gallon.

Thats right:you might get 10% cash back on gas!

Discover it card

you’re able to get 10% back on everything from groceries to restaurants, too.

By the way, gas stations werenoton the list of categories for my credit card.

So how did I get 10% cash back?

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No Interest Til Almost 2027?

If you forget, youll get whatever the regular cash-back rate is typically 1%.

Did you know?

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The current offer of 0% interest for 15 months on purchases andbalance transfersis nice, too.

The limit is $1,500 in purchases each quarter.

This meansyou can make up to $150 cash back every three monthsjust on your bonus category purchases.

For example, the Discover bonus categories were gas and ground transportation for the first quarter of 2015.

And how do you claim more bonus cash back when you dont have enough category purchases?

I used that to pay for my next two times at the pump.

But what about in the second quarter of 2015, when the Discover categories were restaurants and movies?

Plan Ahead

If the coming quarter has no good categories for gift card purchases,buy them now.

Just be aware of the limits for each quarter.

For example, theChasecategory grocery stores does not include Walmart or Target.

During this time, theChase Freedom bonus category calendarlisted grocery stores.Most grocery stores carry a variety of gift cards.

Choose Your Categories

TheU.S Bank Cash+ cardlets you choose two 5% cash-back categories from 12 different options.

For example, I bought CVS gift cards online using my Discover card.

Theres no limit on regular 1% cash-back purchases.

Remember:Its theretailer where you make the purchasethat has to fit the category,not the purchase itself.

Your Turn: Do you make good use of your 5% cash-back credit cards?

Disclosure: We have a serious Taco Bell addiction around here.

The affiliate links in this post help us order off the dollar menu.

Thanks for your support!

Steve Gillman is the author of 101 Weird Ways to Make Money and creator of EveryWayToMakeMoney.com.

(Can you sense my millennial sarcasm there?)

You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…