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Credit Cards

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Using the right credit cards

Do you use credit cards responsibly? If so, you are on the right track. We pay off our credit card in full every month and never build up credit card debt. Credit cards are a great tool for consumers if used responsibly. Credit cards makes it very convenient to purchase everyday items and you don’t have to carry cash around all the time. In additional, many credit cards come with some great side benefits.

One of the benefits consumers enjoy with their reward card is the cash back program. Customers can receive 1.5% to 5% on many purchases with the right credit card. In additional, many credit cards have generous sign up bonus program that can provide consumer with significant rewards. This year, we took a 10 days trip to Cancun and used our rewards to pay for the flight and 4 free nights at a luxurious all-inclusive resort. Some cards also waive the 3% foreign transaction fee. If you travel internationally, this is a huge benefit.

Remember, you shouldn’t carry a credit card balance, but if you need to do it, then you should find cards with lower interest rates. You can save a good amount by lowering the interest rate and it shouldn’t be too much trouble to apply for a better card.

Everyone has different needs and your perfect credit card will probably be different from mine. Click through the links below to find the perfect credit card for you.

Find the Credit Card For You!

(note: compliance rules and US financial regulations prohibit me from recommending a particular credit card but there are some great credit cards available at the following links.)

Editorial Note – Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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Joe started Retire by 40 in 2010 to figure out how to retire early. He spent 16 years working in computer design and enjoyed the technical work immensely. However, he hated the corporate BS. He left his engineering career behind to become a stay-at-home dad/blogger at 38. At Retire by 40, Joe focuses on financial independence, early retirement, investing, saving, and passive income.

For 2018, Joe plans to diversify his passive income by investing in US heartland real estate through RealtyShares. He has 3 rental units in Portland and he believes the local market is getting overpriced.

Joe highly recommends Personal Capital for DIY investors. He logs on to Personal Capital almost daily to check his cash flow and net worth. They have many useful tools that will help every investor analyze their portfolio and plan for retirement.