Getting ahead 

If you are focused mostly on work and staying home, you might like to consider a credit card that gives you access to spa services or a health club, for the sake of stress relief. If you are focused on saving money, you could try a cash-back credit card that gives you extra rewards for your monthly gas purchases.

Privileges for all lifestyles 

• Cash back Paying by credit card sometimes provides a discount in the form of cash back instead of an upfront discount. The cash back that you earn each month will be credited to your account in the next billing period, subject to terms and conditions of your bank or credit card issuer. The issuer might offer a standard cash back rate for each purchase or a special rate during a product promotion campaign.
• Free or low-cost installments Many merchants offer a special 0% installment plan when you pay by credit card. This kind of promotion is worthwhile when you buy a big-ticket item like a home appliance. You won't need to plunk down a lump sum when you buy it, and during the special installment payment period you won't be charged any interest.
• Credit card reward points Many cards offer reward points, which you accumulate to redeem for prizes, coupons, merchandise or other benefits. This kind of privilege is a like a bonus that you earn every time you make a purchase. The important thing is that most credit cards don't put any time limit on the point validity period. You can take as much time as you want to save up points for the reward you prefer.

Credit cards undoubtedly offer a variety of benefits. If you use a card wisely, it can pay handsome rewards.