Not really.

What I do is I pay all of my bills that do not have fees attached to them for being paid with a credit card with a credit card.

I then pay off that credit card every month.

If it has a fee attached to it, like for instance my water bill, they want $3.95 to pay with a credit card, I just pay with direct bank transfer.

The goal is to save money. By doing this I get points back and I build my credit history of months and months and years of spending and paying, showing that I am a reliable consumer.

All told, the points and everything else on my credit cards nets me something like $300 a year, so it’s not groundbreaking, but my credit score is 837.

If you would have to pay for the privilege of using a credit card, then it’s not worth it to use a credit card.