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When it comes to paying for everyday expenses, credit cards often get a bad rap. But if used responsibly, they can be a powerful tool to secure free flights and even grow your wealth. Beyond the convenience factor, credit cards offer perks and protections that cash and debit cards simply can’t match.

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Here are four reasons why you should consider using credit cards for nearly all your purchases.

1. Earn rewards on every purchase

Why leave free money on the table? Many credit cards offer rewards programs that let you earn points, miles, or cash back on your everyday spending. From groceries to gas to streaming services, you could be racking up rewards with every swipe.

Some cards offer flat-rate rewards on all purchases, while others give extra points for spending in specific categories like dining or travel. Those rewards can add up quickly — especially if you use your credit card for most of your purchases.

Look for a great rewards credit card that matches your spending habits. If you travel often, a travel rewards card could save you big on flights and hotels. Prefer cash? Opt for a cash back card with no annual fee.

2. Enjoy better purchase protection

One major advantage of credit cards is the built-in purchase protection. Unlike cash or debit cards, credit cards often come with features like:

• Fraud protection: If your card details are stolen, you’re typically not liable for unauthorized charges.
• Extended warranties: Some cards extend the manufacturer’s warranty on eligible purchases.
• Return protection: Some issuers reimburse you for purchases you don’t want for a limited time, even if the store won’t take them back.

These protections can save you money and headaches if something goes wrong with a purchase. Debit cards don’t always offer the same level of security and reimbursement.

3. Build and improve your credit score

Using credit cards responsibly is one of the easiest ways to build and maintain a strong credit score. Your credit utilization ratio (your total outstanding balances divided by your total available credit) and payment history are two of the biggest factors in your credit score.

By making regular purchases and paying your balance on time and in full each month, you show responsible credit use. This can lead to higher credit limits, lower interest rates, and better loan terms in the future.

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4. Take advantage of travel and lifestyle perks

Many credit cards go beyond rewards and protection by offering lifestyle and travel perks. Think:

• Airport lounge access
• Free checked bags
• Travel insurance
• Credits for streaming services or rideshares
• Exclusive event access

If you’re a frequent traveler or enjoy premium experiences, the right credit card can unlock benefits that enhance your lifestyle — often for less than what you’d pay out of pocket.

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Use credit cards wisely

While credit cards come with many advantages, it’s crucial to use them responsibly. Always pay your balance in full each month to avoid interest charges, and don’t spend more than you can afford just to earn rewards.

Used wisely, credit cards can be a powerful financial tool, helping you earn rewards, protect your purchases, build credit, and access exclusive perks.

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