Are you a good saver? If you’re extremely disciplined, consider charging everything you can on your credit card. While you usually can’t charge utilities like gas, water and electricity on your credit card, I’ve managed to pay my DSL, cell phone and cable bill on my card. Here’s why: Rewards. The average person can spend about $35,000 in a year which will translate to roughly $350 in rewards, depending on the card. If you would have used checks, cash or debit, you wouldn’t have earned a thing at the end of the year. But again, this is only for those who are good at saving money and plan on paying off their credit card bill at the end of the month, every month.