I have a Chase card that gives me 2% to 5% back on all purchases. Before the statement even comes out, I pay the entire balance so in 4 or 5 years I've never paid them one dime of interest. At the end of the year I cash in my bonus money and use it on Christmas. It usually is enough for about 1/2 my spending and I cost them money rather than the other way around.
That IS your money. You just let them use it for a year without interest....................