How have your experiences with using a credit card cash back calculator influenced your spending habits?

<p class="MsoNormal">When using a credit card cash back calculator to maximize rewards in Canada, it is important to consider factors such as the percentage of cash back offered by the credit card, the categories in which the cash back is earned, any annual fees associated with the card, and the spending habits of the cardholder.

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Using a credit card cash back calculator has significantly shaped my spending habits. Before making purchases, I now carefully assess potential cash back rewards through the calculator. This has led me to prioritize using my credit card for eligible transactions, maximizing my rewards while staying within my budget.