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Why Nearly Every Purchase Should Be on a Credit Card
Advertiser disclosure You're our first priority. Everytime. We believe that everyone should be able to make sound financial decisions without hesitation. And while our site does not feature every business or financial product available in the marketplace We're pleased that the advice we provide, the information we provide as well as the tools we design are independent, objective simple, and completely free. So how do we make money? Our partners pay us. This could influence the types of products we review and write about (and the places they are featured on our site) however it doesn't affect our advice or suggestions which are based on many hours of research. Our partners are not able to promise us favorable ratings of their goods or services. .
Why Nearly Every Purchase Should be made with a credit Card
Credit cards are convenient and secure, they help build credit, they simplify budgeting and also can earn rewards. And no, you don't have to go into the debt trap, and you aren't required to pay for interest.
Written by Virginia C. McGuire Virginia is a former credit card author for NerdWallet. She is journalist with experience covering personal financial, business, real estate and architecture as well as design and. Her work has been published on the Philadelphia Inquirer, The New York Times, The Awl and Mental Floss.
And Paul Soucy Lead Assigning Editor Credit cards, credit scoring, personal financial Paul Soucy has led the Credit Cards content team at NerdWallet since the year 2015. He served as an editor for USA Today, The Des Moines Register and the Meredith/Better Homes and Gardens family of magazines for more than 20 years. He also built a successful freelance writing and editing business with a focus on business and personal finance. He was editor of the USA Today Weekly International Edition for six years, and was awarded the highest honor by ACES: The Society for Editing. He has a bachelor's degree in journalism, as well as a Master of Business Administration. He lives in Des Moines, Iowa, with his wife, two sons, as well as a dog named Sam.
Nov 3, 2022
Edited by Paul Soucy Lead Assigning Editor Credit cards, credit scoring Personal financial Paul Soucy leads the credit cards content team at NerdWallet. He worked as an editor for The Des Moines Register, USA Today and Meredith/Better Homes and Gardens for more than 20 years. He later establishing his own successful freelance editing and writing practice. Editorial duties included the USA Today Weekly International Edition and was awarded the top award by ACES: The Society for Editing. He holds a bachelor's degree in journalism as well as a Master of Business Administration.
The majority or all of the products we feature are provided by our partners, who pay us. This impacts the types of products we feature and where and how the product is featured on the page. However, this does not affect our assessments. Our opinions are entirely our own. Here is a list of and .
Cash was once the king of the world. People would pay for purchases with cash or with checks (which are in essence equivalent to cash), and they stored credit cards for huge, infrequent purchases -if they even had credit cards. Today, credit card transactions are accepted almost everywhere, and many people never carry cash at all.
In general, NerdWallet suggests whenever it is possible:
Credit cards are safer to carry than cash and offer stronger fraud protections than debit cards.
You can reap substantial rewards , without having to change how you budget.
It's easier to monitor your spending .
A responsible use of credit cards is among the easiest and fastest methods to build credit .
Credit cards are a great way to spend money . You can spend money the way normal, then pay your balance on time each month, and you'll enjoy the advantages of credit cards, without having to pay any interest.
The top credit cards to be used in 2023
Cash back or 0% APR the transfer of balances -- shop our Best-Of Awards for the top credit cards of the year.
>> MORE:
Credit cards are safer to carry and use
When you loose your wallet or get taken hostage, the money that you had in your wallet will probably be lost forever. If thieves go on a spending in your credit cards, however there is a chance that you won't be held accountable for fraudulent purchases. It might take a while to sort out the resulting mess, but you'll not lose any of your money.
Debit cards, too, pose a risk. When your credit card is used fraudulently and the card issuer is the one that suffers financial loss. If your debit card has been misused, . If you notify the fraudster promptly and you report it to the authorities, you'll receive your money backat some point. It may take a while until you are able to sort things out. During this time there is a chance that checks will bounce. automatic payments might be denied due to lack of funds and you could have difficulty paying your expenses.
>> MORE:
Credit cards can earn rewards easily
Credit card rewards are designed to encourage you to use your credit card, and are extremely persuasive. With a flat-rate credit card that charges the same amount for every purchase, you could earn back 1.5 percent or even 2% of every dollar you spend, either in cash, points or miles to redeem to travel or for other items. Spend $1,000 a month and you can make between $180 and $240 each year, without any effort.
Other cards offer higher rewards in specific spending categories, like gasoline, groceries or restaurants. Combining a few cards and you'll be able to increase your reward significantly.
For example, say the family has four cash-back credit cardsthe, the and the . Utilizing them in a strategic manner, that family could earn hundreds of dollars a year in cash back:
Spending
Rewards rate
Reward points for each year
Groceries
$400 a month
6%
$288
Restaurants
$150 / month
*5% per three months
* 3% for nine months
$81
Gas
$100 per month
* 5 % for six months
* 3% for 6 months
$48
Amazon.com
$100 per month
* 5% for six months
* 2% for six months
$42
Media that stream
$50 per month
6%
$36
Travel
$1,000 / year
5%
$50
Everything else
$1,000 per month
2%
$240
TOTAL
$785
See how the rewards are earned
Groceries
The Blue Cash Preferred(r) Card from American Express earns 6% cash back on up $6,000 a year in spending at U.S. supermarkets, then at 1% (terms are applicable -- refer to ).
Restaurants
Three months in the it(r) it(r) Cash Back program gives you 5 percent cash back on the amount of up to $1,500 for spending on categories you activate, and 1% on other purchases. In 2020, restaurants were the only category that received 5% cash back for a quarter.
For nine months: The Flex(sm) from Chase Flex(sm) earns 3% cash back at restaurants.
Gas
For three months: The Chase Freedom Flex(sm) earns 5 percent cash back on up to $1,500 in spending in categories for quarterly that you can activate. For 2020, Chase offered gas station as a category with 5% for three months.
Three months in a row: 2020, The It(r) Cash Back program was introduced. it(r) Back Cash Back included gas stations in the 5% category over three months.
In the course of six months Blue Cash Preferred(r) Card from American Express earns 3% cash back at U.S. gas stations (terms apply).
Amazon.com
For six months: the year 2020 Chase and Discover had Amazon.com as the 5% category three months each.
For six months: Citi(r) Double Cash Card earns 2% cash back on every purchase -- 1% when you buy and 1% when you pay it off.
Media streaming
The Blue Cash Preferred(r) Card offered by American Express earns 6% cash back on certain U.S, streaming subscriptions (terms apply).
Travel
Chase Freedom Flex Chase Freedom Flex(sm) earns 5% cash back on travel that is booked through Chase.
Everything else
Make use of the Citi(r) Double Cash Card and earn 2% cashback.
An important note of warning but don't spend more money than you would just to get additional benefits. A little cash back isn't enough to make up that extra $100 you spend at the grocery shop or that additional $250 worth of clothes. If you have a balance from month to month and pay interest, it can quickly eat away at the value of your rewards So, pay the full amount whenever possible.
>> MORE:
Credit cards can help you monitor your spending
Keeping tabs on your budget can be a struggle no matter how much you spend it. But figuring out where cash went is particularly difficult. It's easy to lose receipts and you'll often have no document of the amount you spent, and the location the money went. Checks? You've missed registering one in your check register and you'll need to wait for the person who received it to cash the check before you can trace it (and certain people are known for holding on to checks for months).
With credit cards, everything shows up on your online account in real time. In addition the majority of issuers automatically categorize transactions in accordance with the merchant:
Purchases on the Chase credit card are identified by categories.
Many major issuers will let you generate reports to determine the amount you've spent in different categories in a given month, or for the entire year or over a certain time you specify:
Report on spending for the Chase credit card.
If you're using a budgeting application like Mint or You Need a Budget, you can import the data from your credit card and bank accounts. This allows you to put each purchase into the budget category and to see where you're overspending and areas where you could stand to spend a bit.
>> MORE:
Credit cards can help build credit
There is no requirement to use an account with a credit card in order to enjoy good credit and you certainly don't have to carry the balance. However, careful use of a credit card is the best method to boost your credit score, and good credit opens up many possibilities. It can make it easy to get homes, whether a prospective landlord checks your credit score prior to granting you the keys or you're seeking a loan to buy a home. Insurance agents and utility companies could use your credit history to determine your eligibility and even the rates you pay. It can even boost your chances of getting your dream job, as the majority of employers run credit checks on applicants for jobs.
If you do own credit card, you can use it to make regular small purchases making sure your balances are low and paying your bills punctually will boost your credit score over time.
>> MORE:
When not to make use of a credit or debit card
If you'll need to pay an additional fee: Merchants pay processing fees every time you use credit card. Most of the time, those costs are rolled into merchant's prices, like any other expense of running a business. However, sometimes, a business may charge you directly by tacking on an upfront charge as well as a "convenience fee" for using your credit card. In such cases it's likely that you'll need to pay in another way, unless your rewards on credit cards are sufficient to be able to offset the charge.
When you don't want the merchant to pay a fee Additionally, you might prefer not to use credit cards with smaller merchants that you would like to help. They may appreciate it when you pay with cash or with a check, as they don't have to cover processing charges. Debit cards are more advantageous than credit cards from the perspective of merchants, as the processing costs for debit cards are likely to be lower than what they'd have to pay for a credit card transaction.
When you don't want to overspend: Some individuals struggle to keep their spending in check when using a credit card. The five-figure limit on credit cards can make it difficult to recall the reasons you shouldn't purchase that shiny object. If you're close to your credit limit or you're concerned about accruing an excessive credit card balance it's possible to grab your debit card, or even cash.
There are many positive benefits for customers of credit cards. Find out the best one for you. Make sure that you're able to budget your money wisely, whichever method of payment you decide to use.
>> MORE:
To see rates and fees for the Blue Cash Preferred(r) Card offered by American Express , see .
The authors' bios: Virginia C. McGuire is a former credit card author for NerdWallet.
Paul Soucy is the lead credit cards editor at NerdWallet. He has worked at USA Today and the Des Moines Register and holds an MBA.
On a similar note...
Find the right credit card to suit your needs. Whether you want to pay lower interest or earn reward points, the right card's available. Just answer a few questions and we'll narrow down the search for the right card for.
Dive even deeper in Credit Cards
Learn more about smart money strategies - straight to your inbox
Sign up now and we'll email you Nerdy articles about the topics in finance which matter to you the most along with other ways to help you earn more out of your money.
Make all the right money moves
Should you have just about any concerns concerning exactly where and the way to work with checkngo payday loans (https://finance-adw.site/cafena.ru&Payday%20Loan%20Online%20No%20Credit%20Check%20Instant%20Approval/), you can call us from our website.
Advertiser disclosure You're our first priority. Everytime. We believe that everyone should be able to make sound financial decisions without hesitation. And while our site does not feature every business or financial product available in the marketplace We're pleased that the advice we provide, the information we provide as well as the tools we design are independent, objective simple, and completely free. So how do we make money? Our partners pay us. This could influence the types of products we review and write about (and the places they are featured on our site) however it doesn't affect our advice or suggestions which are based on many hours of research. Our partners are not able to promise us favorable ratings of their goods or services. .
Why Nearly Every Purchase Should be made with a credit Card
Credit cards are convenient and secure, they help build credit, they simplify budgeting and also can earn rewards. And no, you don't have to go into the debt trap, and you aren't required to pay for interest.
Written by Virginia C. McGuire Virginia is a former credit card author for NerdWallet. She is journalist with experience covering personal financial, business, real estate and architecture as well as design and. Her work has been published on the Philadelphia Inquirer, The New York Times, The Awl and Mental Floss.
And Paul Soucy Lead Assigning Editor Credit cards, credit scoring, personal financial Paul Soucy has led the Credit Cards content team at NerdWallet since the year 2015. He served as an editor for USA Today, The Des Moines Register and the Meredith/Better Homes and Gardens family of magazines for more than 20 years. He also built a successful freelance writing and editing business with a focus on business and personal finance. He was editor of the USA Today Weekly International Edition for six years, and was awarded the highest honor by ACES: The Society for Editing. He has a bachelor's degree in journalism, as well as a Master of Business Administration. He lives in Des Moines, Iowa, with his wife, two sons, as well as a dog named Sam.
Nov 3, 2022
Edited by Paul Soucy Lead Assigning Editor Credit cards, credit scoring Personal financial Paul Soucy leads the credit cards content team at NerdWallet. He worked as an editor for The Des Moines Register, USA Today and Meredith/Better Homes and Gardens for more than 20 years. He later establishing his own successful freelance editing and writing practice. Editorial duties included the USA Today Weekly International Edition and was awarded the top award by ACES: The Society for Editing. He holds a bachelor's degree in journalism as well as a Master of Business Administration.
The majority or all of the products we feature are provided by our partners, who pay us. This impacts the types of products we feature and where and how the product is featured on the page. However, this does not affect our assessments. Our opinions are entirely our own. Here is a list of and .
Cash was once the king of the world. People would pay for purchases with cash or with checks (which are in essence equivalent to cash), and they stored credit cards for huge, infrequent purchases -if they even had credit cards. Today, credit card transactions are accepted almost everywhere, and many people never carry cash at all.
In general, NerdWallet suggests whenever it is possible:
Credit cards are safer to carry than cash and offer stronger fraud protections than debit cards.
You can reap substantial rewards , without having to change how you budget.
It's easier to monitor your spending .
A responsible use of credit cards is among the easiest and fastest methods to build credit .
Credit cards are a great way to spend money . You can spend money the way normal, then pay your balance on time each month, and you'll enjoy the advantages of credit cards, without having to pay any interest.
The top credit cards to be used in 2023
Cash back or 0% APR the transfer of balances -- shop our Best-Of Awards for the top credit cards of the year.
>> MORE:
Credit cards are safer to carry and use
When you loose your wallet or get taken hostage, the money that you had in your wallet will probably be lost forever. If thieves go on a spending in your credit cards, however there is a chance that you won't be held accountable for fraudulent purchases. It might take a while to sort out the resulting mess, but you'll not lose any of your money.
Debit cards, too, pose a risk. When your credit card is used fraudulently and the card issuer is the one that suffers financial loss. If your debit card has been misused, . If you notify the fraudster promptly and you report it to the authorities, you'll receive your money backat some point. It may take a while until you are able to sort things out. During this time there is a chance that checks will bounce. automatic payments might be denied due to lack of funds and you could have difficulty paying your expenses.
>> MORE:
Credit cards can earn rewards easily
Credit card rewards are designed to encourage you to use your credit card, and are extremely persuasive. With a flat-rate credit card that charges the same amount for every purchase, you could earn back 1.5 percent or even 2% of every dollar you spend, either in cash, points or miles to redeem to travel or for other items. Spend $1,000 a month and you can make between $180 and $240 each year, without any effort.
Other cards offer higher rewards in specific spending categories, like gasoline, groceries or restaurants. Combining a few cards and you'll be able to increase your reward significantly.
For example, say the family has four cash-back credit cardsthe, the and the . Utilizing them in a strategic manner, that family could earn hundreds of dollars a year in cash back:
Spending
Rewards rate
Reward points for each year
Groceries
$400 a month
6%
$288
Restaurants
$150 / month
*5% per three months
* 3% for nine months
$81
Gas
$100 per month
* 5 % for six months
* 3% for 6 months
$48
Amazon.com
$100 per month
* 5% for six months
* 2% for six months
$42
Media that stream
$50 per month
6%
$36
Travel
$1,000 / year
5%
$50
Everything else
$1,000 per month
2%
$240
TOTAL
$785
See how the rewards are earned
Groceries
The Blue Cash Preferred(r) Card from American Express earns 6% cash back on up $6,000 a year in spending at U.S. supermarkets, then at 1% (terms are applicable -- refer to ).
Restaurants
Three months in the it(r) it(r) Cash Back program gives you 5 percent cash back on the amount of up to $1,500 for spending on categories you activate, and 1% on other purchases. In 2020, restaurants were the only category that received 5% cash back for a quarter.
For nine months: The Flex(sm) from Chase Flex(sm) earns 3% cash back at restaurants.
Gas
For three months: The Chase Freedom Flex(sm) earns 5 percent cash back on up to $1,500 in spending in categories for quarterly that you can activate. For 2020, Chase offered gas station as a category with 5% for three months.
Three months in a row: 2020, The It(r) Cash Back program was introduced. it(r) Back Cash Back included gas stations in the 5% category over three months.
In the course of six months Blue Cash Preferred(r) Card from American Express earns 3% cash back at U.S. gas stations (terms apply).
Amazon.com
For six months: the year 2020 Chase and Discover had Amazon.com as the 5% category three months each.
For six months: Citi(r) Double Cash Card earns 2% cash back on every purchase -- 1% when you buy and 1% when you pay it off.
Media streaming
The Blue Cash Preferred(r) Card offered by American Express earns 6% cash back on certain U.S, streaming subscriptions (terms apply).
Travel
Chase Freedom Flex Chase Freedom Flex(sm) earns 5% cash back on travel that is booked through Chase.
Everything else
Make use of the Citi(r) Double Cash Card and earn 2% cashback.
An important note of warning but don't spend more money than you would just to get additional benefits. A little cash back isn't enough to make up that extra $100 you spend at the grocery shop or that additional $250 worth of clothes. If you have a balance from month to month and pay interest, it can quickly eat away at the value of your rewards So, pay the full amount whenever possible.
>> MORE:
Credit cards can help you monitor your spending
Keeping tabs on your budget can be a struggle no matter how much you spend it. But figuring out where cash went is particularly difficult. It's easy to lose receipts and you'll often have no document of the amount you spent, and the location the money went. Checks? You've missed registering one in your check register and you'll need to wait for the person who received it to cash the check before you can trace it (and certain people are known for holding on to checks for months).
With credit cards, everything shows up on your online account in real time. In addition the majority of issuers automatically categorize transactions in accordance with the merchant:
Purchases on the Chase credit card are identified by categories.
Many major issuers will let you generate reports to determine the amount you've spent in different categories in a given month, or for the entire year or over a certain time you specify:
Report on spending for the Chase credit card.
If you're using a budgeting application like Mint or You Need a Budget, you can import the data from your credit card and bank accounts. This allows you to put each purchase into the budget category and to see where you're overspending and areas where you could stand to spend a bit.
>> MORE:
Credit cards can help build credit
There is no requirement to use an account with a credit card in order to enjoy good credit and you certainly don't have to carry the balance. However, careful use of a credit card is the best method to boost your credit score, and good credit opens up many possibilities. It can make it easy to get homes, whether a prospective landlord checks your credit score prior to granting you the keys or you're seeking a loan to buy a home. Insurance agents and utility companies could use your credit history to determine your eligibility and even the rates you pay. It can even boost your chances of getting your dream job, as the majority of employers run credit checks on applicants for jobs.
If you do own credit card, you can use it to make regular small purchases making sure your balances are low and paying your bills punctually will boost your credit score over time.
>> MORE:
When not to make use of a credit or debit card
If you'll need to pay an additional fee: Merchants pay processing fees every time you use credit card. Most of the time, those costs are rolled into merchant's prices, like any other expense of running a business. However, sometimes, a business may charge you directly by tacking on an upfront charge as well as a "convenience fee" for using your credit card. In such cases it's likely that you'll need to pay in another way, unless your rewards on credit cards are sufficient to be able to offset the charge.
When you don't want the merchant to pay a fee Additionally, you might prefer not to use credit cards with smaller merchants that you would like to help. They may appreciate it when you pay with cash or with a check, as they don't have to cover processing charges. Debit cards are more advantageous than credit cards from the perspective of merchants, as the processing costs for debit cards are likely to be lower than what they'd have to pay for a credit card transaction.
When you don't want to overspend: Some individuals struggle to keep their spending in check when using a credit card. The five-figure limit on credit cards can make it difficult to recall the reasons you shouldn't purchase that shiny object. If you're close to your credit limit or you're concerned about accruing an excessive credit card balance it's possible to grab your debit card, or even cash.
There are many positive benefits for customers of credit cards. Find out the best one for you. Make sure that you're able to budget your money wisely, whichever method of payment you decide to use.
>> MORE:
To see rates and fees for the Blue Cash Preferred(r) Card offered by American Express , see .
The authors' bios: Virginia C. McGuire is a former credit card author for NerdWallet.
Paul Soucy is the lead credit cards editor at NerdWallet. He has worked at USA Today and the Des Moines Register and holds an MBA.
On a similar note...
Find the right credit card to suit your needs. Whether you want to pay lower interest or earn reward points, the right card's available. Just answer a few questions and we'll narrow down the search for the right card for.
Dive even deeper in Credit Cards
Learn more about smart money strategies - straight to your inbox
Sign up now and we'll email you Nerdy articles about the topics in finance which matter to you the most along with other ways to help you earn more out of your money.
Make all the right money moves
Should you have just about any concerns concerning exactly where and the way to work with checkngo payday loans (https://finance-adw.site/cafena.ru&Payday%20Loan%20Online%20No%20Credit%20Check%20Instant%20Approval/), you can call us from our website.
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