How do you typically use credit cards — and what are your tips on how to pick the best rewards card for you? We’ve discussed some great rewards credit cards (Kat is still using her Amazon Visa!), but we thought we’d have a broader discussion today about readers’ credit card habits — the good and the bad. Which do you think are the best credit card rewards — and what are your tips on how to pick the best rewards card for you? (Pictured: bright red Kate Spade wallet – highly rated and only $88 at Nordstrom.)
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I’m always using my credit cards, because like a lot of people, I barely ever carry cash. (It bugs me when I’m at a bakery or other business that doesn’t take credit cards, even though I get it.) I like how the fraud protection is better with credit cards than with debit cards, too; my cards have been compromised a couple of times and I’ve never been liable for anything. And the rewards don’t hurt: My Citibank Simplicity card lets me earn cash back, and my TJX card (Marshalls, TJMaxx, and Sierra Trading Post) earns me gift certificates at those stores. My husband and I also have a UPromise card from Barclaycard that generates money for our son’s 529 plan. (His grandparents have one too that also contributes to his account.)
