Using a debit card may be what you’re used to, but it’s possible that a credit card could be a better deal.

How can you tell? At the end of the day, it really depends on the type of spender you are, how much self-discipline you have, and whether you could benefit from consumer protections and the travel perks some cards offer.

If you’re thinking of making the switch from debit to credit, it’s important to recognize the signs this could actually be a good idea. Here are five of them.

Keep in mind that we’re focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which can far outweigh the value of any rewards.

When you’re working to earn credit card rewards, it’s important to practice financial discipline, like paying your balances off in full each month, making payments on time, and not spending more than you can afford to pay back. Basically, treat your credit card like a debit card.



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