If you don’t like carrying a lot of cash around, or prefer the simplicity or carrying one card for all of your expenses, a credit card is a convenient option. One of the credit cards I use even offers free primary rental car coverage - meaning that if I got into an accident while under a rental agreement, I wouldn’t even have to go through my own car insurance policy.Īnother reason to use credit cards: simplicity and safety.
As I wrote a few weeks ago, some credit cards offer free travel insurance that can cover mishaps like trip cancellations or trip interruption.
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Meanwhile, free extended warranties can reimburse you when something you bought breaks outside of the manufacturer warranty period.Īnd it’s always a good idea to use credit when booking a hotel room or paying for rental cars. These rewards cards also come with several free perks - fraud protection, for example, can cover you if you’re overcharged for an item or someone steals your account number. Simply put, the more regular spending you can put on cards - that is, payments and purchases you’d be making anyway - the easier it is to rack up airline miles, hotel loyalty points, and cash back.
The obvious reason I use credit cards for all of my bills and spending is to optimize the amount of rewards I earn.
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