[M2inOR]

How to worry less:

Get a credit card that credits a percentage of your purchase back to you.

1. Many cards give 2-3% back to you as cash credit. We have 2 Fidelity Rewards credit card. One pays 2%, and the other 3%. No annual fee, and the cash credit balance is periodically deposited into one of our accounts.

2. Some credit cards provide other benefits that easily are valued as higher than that 3% "charge" on that purchase.

Yes, there is a world of differences as to card benefits.

For us, the bulk of our everyday purchases are done with the Fidelity card that gives us 3% back.

A no brainer for us.

And yes, we have airline, and hotel credit cards that we use to pay for travel expenses. Those cards have annual fees that are $$$, but the benefits we get and use are easily worth it: free nights, free club access, free lounge access, discounts at partners, etc.

Check bankrate.com and other similar websites for card membership benefits.