My Favorite Kind Of Credit Card

Now that I’m out of debt, I love me some cash back credit cards.

Seriously. I do.

Maybe it’s because I don’t like a lot of the other credit cards? Here are the cards I’ve had in the past and didn’t like:

Airline miles credit card. My first credit card was a credit card earned me 1 mile for every $2 spent. As an 18 year old with no credit and a crazy desire to travel I loved the card. I couldn’t wait to get a free flight! It took me forever to actually get a flight and then it was only one way. That was a failed experiment. Cards with miles per dollar or multiple miles per dollar would be better but overall I don’t like them because I don’t stick with just one airline anymore.

Store credit cards. I signed up for a store credit card once. To Sears, actually. It was a ridiculous idea but at the time I really did want the 10% off of the hundreds of dollars I was spending. Turns out I never used the card again because I don’t shop at that store.

I’ve looked at other cards with different rewards programs but haven’t really liked any of them enough to try.

What I do LOOOOOVE is cash back credit cards.

Right now I have two cards that I get cash back with, both from Chase. I have the Chase Freedom and the new Chase Sapphire card. I use both for different reasons and purposes but I like using the points that accumulate for cash back rewards. Plus I just got my $500 sign up cash back bonus from the Chase Sapphire card which went to pay for the last of the wedding expenses (photos). Cash back comes in handy at times.

I love the cash back thing because it makes sense to me. It’s a tangible reward that I’ve gotten regularly from the credit card company unlike the airline miles that didn’t translate into many tickets. I like the idea of getting money from the credit card companies instead of giving it to them like I used to!