[dhs12345]

Me too. And the cash back is great. 100x better than a savings account interest. Plus the time value if money benefit - I only use exactly what need and not a penny more and the rest stays in my interest bearing account. Plus the security is better than a check and or debit card or even cash.

And we always pay off our CC each month so no interest. And our CC is from the same bank as our primary accounts so payment is electronic and instantaneous.

[Grampa Dave]

You sound like me. Also, as of yet, no tax on the rewards.

Another concept most of our math deficient citizens can’t understand is:

When something is on really on sale and has a long shelf life and is something you use all the time. Buy it, charge it and pay for it later from your worthless savings acct getting zilch interest.

I have 4 credit cards, and one is payment due in the first week and on down to the 4th week. Use the one that was just paid off for a few weeks to 4 weeks of no interest.

All 4 of my credit cards are Visa. Costco used to be a pain re the bill due the 1st of the month. It seemed like the 1st fell on Fri-Sun a lot. So I had to pay the bill early to avoid a penalty. Now Costco accepts Visa. Yesterday @ Costco, we filled up our gas tank and bought stuff charged to a Visa card due 4 weeks from now.

I use electronic banking, so payments and transfer of funds is is easy to do.