Firstly I want to make sure everyone knows that one of the principles of financial planning is to avoid debt at all costs. In some cases it is ok to use credit cards as a tool for saving money and expanding your purchasing power.
If I used cash, I wouldn’t overspend on my grocery bill because I would know when my cash was gone, my spending would stop. Using credit takes the emotion out of my purchases which is why I typically overspend on food.
I am not against using credit cards, I just want to make sure you fully understand the power of them before you use them. Reward programs are beneficial only if you do not overspend when you use credit cards.