If you are not using a credit card for any of your purchases, you are missing out! By using a credit card responsibly, you can reap the benefits of points. In turn, you can transfer these points to airlines to get more value out of them. I have mentioned cash back cards from four banks that any beginner can use. Using these cards in conjunction with a higher-tier annual fee card allows you to get points instead of just regular cash back. There is nothing wrong with cash back, but you will be missing out on using points to travel for free. These cash back cards allow you to earn points that do not have a specific category, such as everyday purchases. Thus, one of these should always be inside your wallet!
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