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 Tuesday, October 18th, 2016 by
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.
In fact, there is such a card that makes getting into debt a really hard task. It is the Discover It Miles card. This card lets you earn rewards – 1.5 miles for every dollar, matches all earned rewards at the end of the year. But what’s more important, it has no annual fee, thus, you won’t pay for your rewards. It also has 14 months of no APR on purchases – for more than a year you can buy whatever you like and pay nothing for that. Keep in mind though, that after 14 months are over, the APR will be charged on the remaining balance.

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No, Firestone credit card can only be used at Firestone locations. If you want to use the card everywhere, we would recommend you apply for a regular credit card. Regular credit cards are accepted everywhere and may allow you to earn rewards on purchases, Firestone included. For example, the Discover it Cashback Match card will […]

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