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Okay so I wonвt be penalized in the long term for the times when I get close to the limit. But the key is you GOTTA pay off that whole statement balance every single time, because if not then the high interest will easily negate any cash back you earned. ввDebt collectors wonвt accept what i can afford to pay them, help. Some hotel cards automatically bump you up a level in their loyalty program just for being a cardholder. Compare prices from your college bookstore, Chegg, Amazon, etc. You will likely need to get a card with an annual fee, but the initial sign-ups bonus and possible subsequent retention offers might make ekigible a card worthwhile. 60,000 of everyday spending into an earning rate of 1. Theyвll guide you through the process of getting reimbursed and tell you what youвll need to document your вloss.