It is a wise thing nevertheless, to set your purchases on the rewards card! I once got a credit card that gave me a free of charge iPod Nano for transferring just a $2000 balance. You can find a thousand credit cards on the market with 0% introductory costs (normally for the very first year), so take this as your benefit and just merely send your remaining balance to the other banks when the intro period is up. (This isn’t to encourage you to continue to preserve a high balance though; pay away as much as you can every month till it’s GONE!) A word of caution: Just be cautious, read the fine print, know once the introductory rate is up, and Steer clear of balance transfer costs (a lot of the credit cards charge 3% to transfer the amount, but you can find out if it is possible to locate which have no transfer charge for new cardholders). But the 0 balance transfer no fee account is still a good way to pay your credit cards.