In this day and age, just about everyone has a credit card. What can I say, they are convenient. It is so easy to pay bills (or shop!) online. And as long as you keep your spending under control and pay them off each month, they help you build credit to boot.
If you have a credit card, be sure you are looking into your credit card reward options! My card through Bank of America provides 1 point per dollar spent on most items with incentives of extra points by shopping through their online mall. In addition, I get an annual cardholder point bonus based on my yearly spending. Points can be redeemed for gift cards to stores and restaurants, merchandise, travel and best of all CASH! I love being able to get checks back for the money I already have to spend on groceries, bills and necessities.
Each card has its own rewards programs and some give you a choice between multiple options. Be sure to check out what your options are and take advantage of the benefits!
Disclosure: This post may contain affiliate links. Please read my disclosure policy for more information.
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