My personal finance strategy: Part 4

Super niche thing.

While I’m not an avid Dunkin Donuts customer, I have a Dunkin perk through my AMEX gold card. I receive $84 dollars in Dunkin credit per year, which is $7/mo.

Every month on the 1st, I load up my Dunkin app with $7, using my AMEX gold card. Then on my statement a few days after that, the charge clears and the credit applies.

Why not, right? I have the $84 available to me, so I’d be silly not to use it. And it doesn’t expire; it just sits on my Dunkin card on the mobile app.