<prompt> Human: Ok so just a little back ground: Im a 22 year old aircraft mechanic in the U.S. Army. I go to college online using my TA from the Army so I will have no student debt when I get out, and I can transfer my GI Bill to my son when he is old enough. Im married with a newborn son. I rent my home off post using my housing allowance. I have a few credit cards, but not major ones i.e. Sears card, Home Depot credit card, military star credit card I also had a vehicle loan for 15k that i recently paid off. I have never had a problem paying my bills on time, and I always make over the minimum payment. I ensure that my credit usage stays below 15-30. My current credit score with Equifax is 725 and 705 with TransUnion. Being enlisted in the Army, we have the opportunity to take part in finance classes every few months. Some are useful and others seem to be just a waste of time. One idea that was brought up by a financial manager at a class recently was to pay your bills with a major credit card such as an American Express card, wait a few days, and pay off the card before interest can accrue on it. My question is, is this really a good idea? Id like to get my credit score higher than it is because I want to buy a house in 4 years when I get out. I also understand that I have a very short credit history, so as I get older my credit score will go up due to this. If this is a good idea, any suggestions on credit cards to apply for? Thanks so much Reddit!!  <response>: If you pay your credit card statement in full, on time, and every time, you should find all opportunities to put required expenses on the credit card, especially if the card gives you cash back rewards.Its like getting 2-5 discounts everywhere. However, if the biller charges you a fee to pay by card, you need to know whether the surcharge fees outweigh the cash back. 