3. Use A Cash Back Credit Card

We always stress that you should be using a credit card for all purposes. This is because they usually have much better rewards programs that debit cards do, and you’re definitely not earning anything extra when using cash. Yet there are so many credit cards out there, and each of their rewards programs are different.

In order to avoid any confusion, we suggest going with the Discover It Card. You get 2% cash back on all purchases your first year. After that it drops to one. There’s no annual fee and you even get 5% cash back on purchases of certain categories that rotate quarterly.

Here’s a quick summary of all that the card has to offer:

No annual fee 2% cash back on all purchases your first year 5% cash back on certain categories that rotate category Free overnight shipping for lost or stolen cards Free FICO credit score on each statement Access to the Discover Deals Online Shopping Portal

What If I Have A Low Credit Score?

We also recommend the Citi Double Cash Card as another excellent way to go. You get 2% in cash back on all purchases, and there’s no annual fee. Unfortunately, you’re most likely going to get rejected from these cards if you have a credit score below 700. In fact, this is usually the situation with a lot of credit cards that give out rewards.

If this is the case, we suggest getting a credit card to build up your credit. Make sure to pay off everything on time. Once your credit score increases, try applying for a card like Discover It.