Using a rewards credit = you get free money. Of course, you have to pay it off in full each month, but rewards cards can be a huge help.

To make the most of your rewards cards, use the app Birch. Birch gets hooked up to your bank account and credit cards to analyze your spending habits, then recommends which cards you should sign up for and which cards you should use for frequent purchases.

Birch co-founder, Alex Cohen, says the average American shopper could be earning $600 in credit card rewards per year. Who doesn't want free money?!