However, credit cards used the right way can reap tremendous benefits. For one, they offer more protection as a payment system than a debit card. If there’s an issue with a bank debit card, it can take weeks or months to resolve, and depending on the agreement with the bank, there’s no guarantee you’ll get that money back.

Also, many credit cards offer travel protection and other services.

But probably one of the biggest benefits is earning tax-free cash rewards!

***Opening many credit accounts all at once can subject you to more risk when it comes to your credit profile***

**To keep your credit score high, always pay your bills on time and keep your credit usage low. We always pay our balances off each month and use credit cards just as a payment system.**

Credit Cards I Recommend (With Cash Back Earned in a Year)

Credit Card #1: Chase Freedom Unlimited, $

Welcome bonus:

Between the 5% cash back on quarterly categories and unlimited 1.5% back on every purchase

We use this card to pay for things like insurance, cell phone and streaming service bills as well as some charitable contributions.

Credit Card #2: Chase Amazon Rewards Visa Signature Card, $

Welcome bonus: $150 Amazon Credit

No brainer if you’re a big Amazon shopper

Credit Card #3: Capital One Quicksilver Card, $

I spent $500 within the first three months to get $200 cash back.

The Capital One Quicksilver card offers 1.5% cash back on every purchase with no annual fee.

Credit Card #4: eBay

Target RedCard

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wellsfargo

Unlimited 2% cash rewards— the highest flat cash back rate I’ve come across with no restrictions or hoops to jump though
$200 cash rewards sign-up bonus that you can earn by spending just $1,000 in purchases in the first three months
0% intro APR for 15 months on both purchases and qualifying balance transfers
$0 annual fee

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If you’re not using Aspiration’s debit card, you’re missing out on extra cash.

A debit card called Aspiration gives you up to a 5% back every time you swipe.

Need to buy groceries? Extra cash.

Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account.

With Aspiration, your money and your values go hand-in-hand. Here’s how:

Choose your own monthly service fee (even if it’s $0).
Withdraw money from your account for free at over 55,000 ATMs nationwide (more than the top 3 banks combined).
Earn up to 3-5% cash back at socially conscious businesses—like Warby Parker & Toms—and track your impact score as you shop2
Plant a tree every time you make a purchase3

You choose your own monthly fee with our Pay What Is Fair model—even if it’s zero.1 We’re so confident we’ll do a good job—and so confident you’re a good person—that we trust you do what’s right. (Most people are so happy with Aspiration they sign up to pay a little each month even though they don’t have to!).

You get unlimited fee-free withdrawals at over 55,000 ATMs, because you shouldn’t have to pay to get your own money.

We’ll help put more money in your wallet with up to 10% cash back rewards when you shop at businesses with a conscience.

We’ll help you save better with up to 1.00% APY interest, automated recurring deposits, and immediate free transfers between your Spend Account and your Save Account.

we’ll give you $150 if you join Aspiration and use your account to make $1k in purchases over the following 60 days.*

From WalletHub;