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Joined 1 year ago
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Cake day: August 1st, 2023

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  • Some credit cards offer 2% cash back… (Not points) So it’s hard to give that up when you get 2% off for just about every dollar you spend. Why wouldn’t you put every dollar on card you would normally spend.

    This doesn’t work well if you are paying interest…

    If you’re fiscally savvy and don’t overspend and can pay your balance in full every month and are not paying interest, this is a strong vote for choosing over cash.

    However, without that…I see no benefit and would use more cash for all reasons in this thread.