Why Nearly Every Purchase Should Be on a Credit Card

Credit cards offer convenience, security, and opportunities to build credit while simplifying budgeting and earning valuable rewards. Using them wisely doesn't require taking on debt or paying interest.

Notable Cash Back Programs

Blue Cash Preferred® Card from American Express: Earns 6% cash back on up to $6,000 per year in U.S. supermarket purchases, then 1% on additional spending (terms apply). Also provides 6% back on select U.S. streaming subscriptions and 3% at U.S. gas stations.
Discover it® Cash Back: Offers 5% cash back on up to $1,500 in quarterly spending in activated categories, and 1% back on other purchases. In 2024, restaurants were included as a 5% category in the first quarter, while in 2023 gas stations received that bonus.
Chase Freedom Flex®: Provides 5% cash back on up to $1,500 in spending in quarterly categories that require activation, 3% back at restaurants, and 1% on all other purchases. Past categories included gas, EV stations, and Amazon.com.
Citi Double Cash® Card: Delivers 2% cash back on every purchase—1% when you buy and 1% when you pay off the balance.

“Credit cards are convenient and secure, help build credit, make budgeting easier, and earn rewards. And no, you don't have to go into debt or pay interest.”

Conclusion

When used carefully, credit cards can turn everyday purchases into opportunities for savings and rewards while promoting financial control and security.

Author’s summary: Thoughtful credit card use turns ordinary spending into a safe, rewarding habit that strengthens credit and simplifies personal finance.

NerdWallet — 2025-11-08