Credit card rewards can be a great way to earn cashback, points, or travel perks. But they only make sense if you pay off your balance in full every month.
Interest charges on carried balances quickly erase any rewards you earn. The best strategy is to treat your credit card like a debit card and only spend what you can pay off.
Pick a card that matches your actual spending. If you spend a lot on groceries, a grocery rewards card may beat a general travel card.