When it comes to earning rewards for using a credit card, what can be better and simpler than getting cash-back rewards? Compared to a travel-rewards credit card, a cash-back rewards credit card lets you decide how you want to use your rewards instead of possibly being stuck applying points in those travel company loyalty programs.

Most cash-back rewards credit cards give you cash-back rewards on all eligible purchases. Every day expenses like trips to the grocery store, online shopping, utility bills, and recurring payments for gym memberships and the like, add up and are a great way to earn cash-back rewards.

How can you responsibly use a cash-back rewards credit card so that it makes sense for your lifestyle? Here are some best practices for using your cash-back rewards credit card according to cardratings.com:

• Avoid adding new debt: Commit to paying off your balance in full and on time each month to avoid expensive interest or late fees. Accumulating interest and late fees offsets the cash you’re earning from your credit card. Also, determine if there is a service fee charged by the merchant or third-party payment platform for using a credit card. You need to decide if the extra fees are worth using the credit card in the first place.

• Don’t overspend: You should always keep a budget. Whenever your spending starts to exceed the money you have available for a month, you’re inviting potential complications into your life. Sticking to a budget can help you from being blinded by the desire to rack up cash-back rewards. Does making a purchase that puts you $500 over budget, to earn $10 in cash-back rewards, make sense?

• Share your card wisely: An authorized user of your credit card can add to the cash-back rewards. Make sure they are on the same spending plan and that they adhere to your budget. Keep track of their purchases.

• Monitor your rewards: Do your cash-back rewards expire? Is there a maximum to the amount of cash-back rewards you can earn? Make sure. The RBFCU World Cash Back Mastercard^® credit card never puts a cap on rewards and they never expire. You can cash them out and use them whenever you need, or just apply them as a statement credit.