I don't shop so much that I would benefit of it so I haven't acquired one. However, in the future when I move to my own apartment then it would be useful.
No, I don't bother with cash back credit cards and quite honestly I avoid credit cards in general most of the time. Just don't think they're worth all the trouble they can potentially bring into your life if you use them a lot. I do generally use them at times and pay off the complete balance every month.
At this moment I don't use those types of credit cards and I probably won't be using one anytime soon. I have been using debit cards for a long time and they are my favorite. I'm not real big on credit cards so I stay away from them. I also have a student loan I'm trying to get paid off so I can't be making anymore bills right now which is one reason why I avoid credit cards.
I have one. I use it for the cash back benefits. I use it on purchases I make regularly and pay it off immediately. It's nice to get a little back here and there. It really adds up over time.
