hi there,

both cash back and travel rewards credit cards give huge advantage on the card holder especially on the benefits. there are lots of rewards given to the card users that they will enjoy. all you just need to do is collect and earn point out of your card usage. every dollar you spend do have an equivalent points.

You should try having a cash back card since it is one of the most helpful types of credit cards. The idea is that, when shopping online or offline, you can qualify for percent discounts. Moreover, you can also apply the Best Travel Rewards in Canada and save money on gas, hotel rooms and gift purchases.

Perfect! Thanks for the info...

Hi Maybelle,
I appreciate your question.. and I"m very glad that you're "cash only" oriented.

The benefits with cash back & travel rewards credit cards is that you're spending the money anyways on groceries or gas or other merchandise.

Most people have a monthly budget to spend... and if they used the credit card to make purchases then they would collect these points.

The most important key here is that you pay your card off fully at month.

Carrying a balance quickly negates any points you would collect.

So... even though you are paying cash, you can still collect points by using the cash money that you would normally spend each month.

Does that make sense?

Sorry if it would appear somewhat stupid asking this particular question, it’s just that for the longest time, I really didn’t believe in the credit system of doing transactions (and up until now I still do believe that paying cash is still the way to go). But what really got me curious was that a friend told me that you’d be able to save more when you use credit cards in your purchase, is it true? If yes, I will definitely want to apply for credit card. Please advice.