Electronics
Purchasing a television or other electronics on a credit card can come with great perks, including interest-free financing, cashback rewards, and extended warranty benefits. Some credit cards offer additional protection to extend the claim period or coverage limit.
Travel purchases
Airfare, hotels, and travel expenses are best paid for with a credit card, particularly travel credit cards, as they can pay outstanding points, miles, or cashback rewards. Strategic card users can regularly bank enough points or miles to score free trips.
Many credit cards provide coverage for trip cancellation, interruption, illness, injury, or lost luggage. Plus, you can report a card lost or stolen and get a replacement — without being on the hook for fraudulent charges. With cash, it’s gone for good.
Auto repairs
Paying the mechanic with a credit card can be a smart move that offers protection if you discover the service work wasn’t properly done. Many cards offer purchase protection on car repair work.
Event tickets
Many finance experts believe you should always purchase concerts, sports, or other event tickets with a credit card.
Increasingly, fraudulent sellers are peddling fake tickets and bilking consumers out of big bucks. Credit card companies offer consumer protection so you can recover those stolen funds.
Credit cards may offer you coverage in the event a show is canceled or postponed, and some even provide black-tie concierge perks, like access to presale tickets and first dibs on popular shows.
Car rental
Your next car rental is another smart purchase to put on your card. Many car rental agencies even require it, so they’re protected (they know your card is good for it) if you damage the vehicle.
A credit card protects you, too, often by offering additional insurance coverage, including protection for collision or theft.
Monthly subscriptions
Like your electric bill and other utilities, paying your monthly subscriptions with a credit card can ensure uninterrupted service and great credit card rewards. Some cards are even designed to offer rewards for streaming services, meal kits, and other monthly subscriptions.
Restaurants
Dining out, or ordering takeout, is another spend category to put on your credit card. Many rewards credit cards offer double or triple rewards, or even more, for charging restaurant purchases.
