Many people don't like credit cards or are afraid of using them because of the potential to get into debt. That is indeed a problem, as you can get into a lot of financial trouble if you use your cards the wrong way.
But credit cards actually can and should be a helpful tool. They can help you build credit, earn rewards, and take advantage of generous cardholder perks. You just need to follow these 20 simple rules to ensure cards improve your finances, rather than damaging them.
Our credit card expert uses this card, and it could earn you $1,148 (seriously)
As long as you pay them off each month, credit cards are a no-brainer for savvy Americans. They protect against fraud far better than debit cards, help raise your credit score, and can put hundreds (or thousands!) of dollars in rewards back in your pocket each year.
But with so many cards out there, you need to choose wisely. This top-rated card offers the ability to pay 0% interest on purchases until late 2021, has some of the most generous cash back rewards we’ve ever seen (up to 5%!), and somehow still sports a $0 annual fee.
That’s why our expert – who has reviewed hundreds of cards – signed up for this one personally. Click here to get free access to our expert’s top pick.
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