Credit cards

They can be .

Here's one suggestion. Look carefully at a card's benefits and how much you need to spend to get it. Make sure the benefit is really something you would buy if you had to spend cash. Then calculate the percentage back. If it's less than 2%,then you would be better off with the Citi double cash card

Being smart with $$ is its own reward. It doesn't care how you spend it...or blow it...Few years back we "discovered" what 2% of virtually EVERYTHING added up to in a year or two. As long as you can pay the balance off monthly (which is a load I know) you wind up with all kinds of free stuff....on THEIR dime. good luck!

Thank you. So far I have not seen enough for me to get one of theirs. I have a Cabela's card for personal stuff which is nice because it seems like I get stuff from there all the time. We have a couple different ones for the business that gives us points towards gift cards from a lot of different places which we use on different things based on our current needs. I guess we will continue to do that and use the cash we would have spent on the other things for the cruises.

Think hard about doing that...you may be disappointed in the so-called "advantages".. There are a number of different cards where you actually come out way ahead. Several responses in this thread discuss that very subject. We cruise NCL a lot (by my standards anyway) and never felt the need to get one of "their" cards.

I was thinking about getting a RCL or NCL credit card once we decide on which one we like better. Can you use points towards paying for cruises or is it only towards on board credit.

Outstanding! Alaska Air is the best airline in the universe!

Of course I’m a bit biased.

We don't use credit cards which are relegated to select purchases only, basically we have a regular credit card on which we charge everything. Except, being tucked away up here at sixty one degrees north latitude we have to fly, a lot, to get anywhere. Therefore, earning airline mileage works out best for us. We have a B of A Visa with an Alaska Airlines Mileage Plan. Alaska flies most anywhere in the U.S. including daily flights to Hawaii from Anchorage. Most everything we buy accumulates Alaska Air travel miles, all auto pays and cruises are put on the card.

That's exactly the card I use, for everything under the sun... that 2% adds up fast, and I can use it for anything I want...we charge every single monthly expense we can...been doing it for several years now..course we pay it off every month too...if you don't it can be suicidal. we get OBC's anyway, but charging EVERYTHING you spend all month...well I remember when we started...we have a budget, but realizing just what it costs to breathe every month is amazing...we just let it build and build..theres no limit..last year we got ourselves a free cruise out of it...adding specialty cards based on teasers can work against you. your choice...

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