[header] How to make money on credit cards [title] Select the right credit card. [step] In order to reap the benefits of a cash back credit card, and ultimately reduce the costs of your credit cards, you must consider a variety of factors when selecting your card. [substeps] Ask yourself where and when you'll use your credit card. 
Know what habits or activities you spend the most money on and plan accordingly. Are you a big traveler? Look for credit cards that offer cash back rewards for airfare and hotel stays.