Credit cards. They’re usually associated with bad spending habits that lead to unnecessary debt saddled with exorbitant interest rates − and this is certainly a warranted reputation. But for my wife and I, credit cards have actually proved to be a reliable source of disposable income. Since 2011, we’ve received $2,600 in cash and services simply by making purchases with our credit cards and then taking advantage of their respective reward point programs. We haven’t paid a single penny in interest or hidden charges and we don’t pay annual fees. Below, I’d like to share our experience and give a road map for how you can start making use of the best reward programs out there.