Many people claim that they only use their credit cards to receive the rewards associated with them. Credit cards offer rewards to entice their customers to use the cards. They do this because they realize that most people do not pay off their cards each month. Credit card companies are in the business of making money, and so they do not give rewards that outweigh the cost of you using their card. This means that any reward that you receive from your credit card you are likely paying for in interest charges or fees.
If you are extremely disciplined, and pay off your balance in full each month, your rewards on the card may be worth it. However, you should be sure that you are not paying an annual fee on your credit card each year. You can easily find a card that offers rewards without a fee. The best rewards cards are the ones that offer cash back instead of some other reward. This can be tracked and used easily. If you put all of your monthly expenses on your card, and stick to your budget, you can take advantage of the rewards without worrying. These rewards can add up quickly when you pay for most of your expenses with your credit card.
However, if you are like most people and carry a balance, you are likely paying more in interest each month than you are earning in rewards. It would be best if you stopped using the card until you paid it off completely and began living on a monthly budget. Once you have done this you can then begin using your rewards credit card again, as long as you pay off the balance in full each month. To do this you will need to track your spending during the month, and stick to your written budget.