Always Use Credit Cards Over Cash, CashApp, or Debit Cards

As the saying goes, “cash is king.” Well not anymore, it’s all about credit cards. Even with perceived bad credit, you can qualify for a new credit card. So check your credit score and let’s all enjoy the wonderful benefits.

The Proper Way To Use Credit Cards

Only use credit cards to buy things with money you actually have. Credit card interest rates and fees are the worse. They will eat into your wealth percentage-wise quicker than any other debt.

As long as you pay your balance in full every month by the due date, you will never be charged any fees. You will enjoy all the benefits of this payment vehicle absolutely free.


The number 1 reason to use a credit card is for the added level of protection. You have protection against fraudulent charges, items you paid for but never received, and even a lost or stolen card.

If your cash was stolen, there isn’t much you could do. If your debit card is stolen, someone has access to all of the money in your bank account. With credit cards, you simply file a claim and the money credited back to your account.

Most credit cards also offer free insurance for rental cards. They offer lost baggage reimbursement for flights booked with the credit card. And they even offer an extended warranty by at least a year of any item that you’ve purchased that comes with a warranty.

That’s a win win win win win.

Free Money and Rewards

Credit card companies make most of their money from the use of credit cards itself. For each transaction, the credit card company charges the business a fee. This is why you see small shops that have signs like “$10 minimum to pay with a credit card.”

Since credit card companies make their money from the public actually using credit cards, the credit card companies will often use welcome bonuses and rewards to entice you to use and get in the habit of using their credit card. This is a huge opportunity to receive free money.

This means that you can money on almost every purchase. When paying with cash or even some cash apps, this isn’t always so.

Speed & Convenience

It’s so easy nowadays to use a credit card. Long gone are the days where you need to carry wads of cash to make large purchases. And with today’s pay apps, you can wave your phone in front of the card reader and purchase items without your card even being present preserving, which lowers the risk of even your credit card getting stolen.

You also don’t have to wait for change or worry about getting paid in fake bills. Yes, that can happen.

Building Good Credit

Having credit lines open like credit cards can help build good credit, assuming you always pay your bills on time. This can lead to many opportunities as well as getting the best interest rates on mortgage and car loans.

The Bottomline

  1. Get a credit card.
  2. Use the credit card instead of cash.
  3. Pay the credit card on time.
  4. Be rewarded in protection, cash back, and convenience.

Give and Get More Rewards

Once you get a credit card that you like. Check and see if a refer-a-friend program is available. If so, refer a friend and enjoy the feeling of both helping him or her out and receiving some extra rewards for yourself. Below are a few of the cards I use.

CardOfferSpend RequirementAnnual FeePoints / Cash Back RewardsPerksLink
American Express® Gold Card 40,000 Membership Rewards® Points = $400$2,000 in 3 months$250 (waived first year)
  • 4x points on dining worldwide and US supermarkets
  • 3x points on flights booked from airline or
  • 1x points on everything else
  • $120 Annual Dining Credit (Select Locations)
  • $100 Annual Airline Fee Credit
  • The Hotel Collection
  • Baggage Insurance
Apply Now ▶
Blue Cash Everyday® Credit Card from American Express $200$1,000 in 3 months$0
  • 3% cash back at US supermarkets
  • 2% cash back at US gas stations
  • 2% cash back at select department stores
  • 1% cash back on everything else
  • 0% APR for 15 months on purchases & balance transfers
  • 0% intro APR for 15 months on purchases
Apply Now ▶
Chase Freedom® Credit Card 15,000 Ultimate Rewards® points = $150$500 in 3 months$0
  • 5% cash back quarterly on rotating select categories (ie US supermarkets, US gas stations, Apple Pay, Toll Roads, etc)
  • 1% cash back on everything else
  • Purchase protection for up to 120 days
  • Extended warranty by an additional year
  • Zero liability on unauthorized charges
Apply Now ▶
Chase Ink Business Preferred℠ Credit Card 80,000 Ultimate Rewards® points = $800$5,000 in 3 months$953X points per dollar on the first $150,000 combined spending in the following categories:
  • Advertising purchases made with social media sites and search engines
  • Travel, including airfare, hotels, rental cards, train tickets and taxis
  • Internet, cable and phone services
  • Shipping purchases
  • Purchase protection for up to 120 days
  • Extended warranty by an additional year
  • Zero liability on unauthorized charges
Apply Now ▶

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