I’m what you would call a gamer in the credit card world. I look for the best rewards and make sure to pay my bill off in full each month so I never pay interest. There are so many credit cards out there, all offering the latest, greatest deal. If you are currently using a credit card that offers no rewards and pay your credit card bill completely off each month, I would recommend looking into a rewards credit card like the Virginia Credit Union Flex Rewards Mastercard® which offers points for purchases or the Cash Rewards Mastercard® which gives you cash back. Whether your team points or team cash back, I have the same rules when finding the perfect card.
I’m always trying to maximize my reward while minimizing my costs. If you can stay within your purchasing budget and pay off the credit card each month, you’ll be rewarded. Now you just have to ask yourself, “points or cash back?”
When I’m making my purchases this holiday season, I’m reaching for my Virginia Credit Union Cash Rewards Mastercard. I use it for almost every purchase. What’s even better is that I can now redeem the cash back at any point and either apply it to my credit card bill or my VACU checking account. As you can guess, I’m a cash back person. I’ve used point’s cards in the past and its fun to redeem a gift card but to me, I find the cash back cards are simple and flexible to my spending. Virginia Credit Union’s Flex Rewards Mastercard is a credit card that gives you points. If you’re a traveler and frequent a lot of restaurants, I would say this card is worth investigating. To me, a Dad with two small children, I’m spending more on the essentials rather than luxuries so getting cash back is a better fit for me.
Hey folks! I’m Danny and I’ve been with Virginia Credit Union for 11 years where I started as a teller at the Short Pump branch. I currently work in VACU’s marketing department as their multimedia and video guy. Being a husband and Dad to two children, I have learned the importance of budgeting and living within my means so I’m excited to share some of my tips and stories with you.
Other stories by Danny S.