My bank offers a free service that allows me to choose the types of purchasesI pay in full each month; the bank separates them so they appear separately on my statement, & I pay before the due date & pay no interest on them.
I pay off groceries, gas, utilities, personal items immediately. I pay off larger purchases over time. I stay below the 1/2 mark of my credit limit = better credit score! Tremendous help w budget tracking!