Credit cards are only beneficial if you pay them off each month and don't carry a balance, or else the 'reward' essentially knocks the interest from 20% down to the 19% range. I have 'points' cards for fuel at various stations that help. Labour costs for me are six times as much as my fuel costs and I'm only a part time operator. I spend more in personal fuel costs each week during the season than I do with my business all month. Small engined and fuel efficient machines help a LOT.