Anyone who owns a travel-rewards or cash-back credit card wants to pay for everything in life with their piece of plastic. Sixty-two cents for candy? “I’ll put that on my credit card, please.”

But it’s the big, ongoing expenses that mean the most, since, obviously, they help you rack up miles and points quicker, more conveniently and with more consistency. It is, in short, a very easy way to accumulate thousands of miles or points over the course of a year, spending on things you would have paid for anyway.