My mom has a Big Lots rewards card and says I should get one too. But I think credit cards are dangerous because you can get into a lot of debt. Is there a card that will earn rewards without getting me in over my head financially?

Answered on October 18, 2016
Updated on October 18, 2016
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
This is an interesting dilemma. The thing about credit cards is, you will only get into debt using one if you use it to buy things that are beyond your means. You are in control of the way you use your card – remember that. There are many great things about credit cards, including the ability to earn rewards. But besides that, they are also a very useful, even necessary, financial tool. It's important to have one so that you can build a credit history, have access to funds in case of emergency, and have financial flexibility in how you pay for things. Just remember not to charge more to your card than you can afford to pay off each month. If you find that one month, you aren't able to pay your balance in full, put the card away until you can.
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BROWSE MORE QUESTIONS ABOUT Credit Card Rewards:

Valero has a tiered rebates system. You earn 4¢ per gallon on every gallon purchased when you purchase at least 50 gallons per billing cycle or earn 8¢ per gallon on every gallon purchased when you purchase at least 75 gallons per billing cycle (up to a maximum of 110 gallons). Gas rebates will automatically appear on your monthly billing statement. For more traditional and easy to understand reward options, see general rewards credit cards and especially cash back cards. Those give you simple cash back every time you purchase anything anywhere and rewards are also redeemable everywhere.
If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
Consider frequent flyer credit cards to earn miles and enjoy air travel benefits. Study the features associated with these credit cards carefully. Hope you will find the credit card right for you.

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