I was a late comer to the credit card reward points game. I always thought that I spent too little on average each month to ever make a credit card really worth it. I also despise any type of debt, and view it as the antithesis of freedom. Plus after living in Europe, where credit is not readily available, I had gotten used to just using direct debit cards for everything. I was not aware that Americans are often offered absurdly large bonuses when signing up for credit cards.

Continue reading →