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Why avoid using a rewards card when it makes complete financial sense to do so, when you actually gain some of that extra money back?
They have a rewards card with cash-back that we have found to be the lowest rate in the country at 5.50% (not a teaser rate)!
The best rewards card users will have a small portfolio of different cards, each offering elevated returns for the kind of purchases they make most.
So unless you fly a lot, stick with a good rewards card and let the travel credit go.
