| Do you want to know the truth about credit cards? If you can’t pay off your interest-bearing balance each month, it’s probably best to avoid credit cards if you’re able to. High-interest debt can really add up. But if you can pay off your credit card each month, it’s practically a no-brainer to use them instead of debit cards or cash as they offer much better fraud protection, are a primary way you can raise your credit score with good credit behaviors, and you can easily earn hundreds or thousands of dollars in rewards each year with a top credit card But with so many cards out there, it’s tough to know where to begin. That’s where The Ascent – a sister company of The Motley Fool – comes in. As The Ascent’s credit card expert, I’ve reviewed and crunched the numbers on hundreds of credit cards over the years. One credit card I reviewed was so good that I signed up personally. That’s because the credit cards I’ve evaluated typically may have one or two of the valuable features below. This card sports all of these: - Earn up to 5% cash back.
- Pay no interest on purchases until mid-2022.
- Lock in $1,148 (or more) in value in your first year by following the steps outlined in the review
- $0 annual fee
Best part is, there is an incredibly easy way to significantly increase your cash rewards in the first year that we cover in the review. To learn more about the credit card that I signed up personally for, simply click here for free access. | 
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