Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Are there cons to paying monthly bills with a rewards card and then paying it off monthly?
Some accounts, such as my electric, and payments to the tax collector charge a significant enough fee that is counter productive to use a rewards card.  One example of this is Alligent Air.  They give you a $6 discount if you pay with a debit card which was about 5% of the ticket price. Anytime you borrow money, even as well intentioned and thought out as you plan to do so, you are increasing risk.  By managing it carefully you can certainly mitigate it.  The question becomes, does that time spent in management worth the $600/year? I did the costco amex deal for about 12 years earning about $300-$400 per year and only once getting hit with a late/finance charge.  Despite the success, I opted to end this for a few different reasons.  First off people using credit tend to spend more.  Secondly, I felt it was not worth my time in management.  Thirdly, I did not want the risk. Despite the boasts of many, the reality is that few people actually pay off their card each month.  By your post, it seems to me that you will be one of the rare few.  However, if you are expending 5K per month, your income must be above the US national average.  Is $600 really worth it? Perhaps budgeting for Christmas would be a better option.