Shop around and find the card that meets your spending habits and can offer the needed credit limit. Then, apply for the card and start spending using your card. Simply pay with a cash back credit card within eligible categories as often as possible. Remember to repay the due amount, which would help avoid late penalty fees and reduce the risks of losing benefits compared to outstanding amounts owed to the card issuer. If the card has rotating cash back, categories cardholder has to choose relevant categories periodically and redeem cashback according to the terms provided by the card issuer.