Comment by rpdillon

I don't play the credit card points game. I have an Amazon Visa, and I get 5% back, which has been thousands of dollars over the life of the card. When I say that you're coming out way ahead, I'm referring to two things. One is the value you get from the points, but the other is the way credit agencies view credit accounts that are open for a decade or more and are consistently paid off. This is a strong signal to the industry that you are a person that can be relied upon to pay your debts, and this is reflected accordingly in your credit score.