We all need material things for our daily lives – there are no ifs or buts about it. Some of these material things are absolute necessities, like clothing and shoes, whilst other material things can be considered ‘comfort items’, such as the latest gadgets or state-of-the-art kitchen appliances like espresso makers or stainless steel ovens.
If you love buying things for yourself, your loved ones, or your home (and, in all honesty, who doesn’t?), then you should know that there are some items that are better off bought with your credit card. Why? Simply because they may cost too much if you pay for them upfront, or you can gain significant rewards and perks if you pay for them with a credit card.
Shopping in Singapore is made much easier by credit cards from American Express
Credit cards from American Express are ideal for purchasing big ticket items such as electronics, and they are equally worth it when you use them for purchasing airline tickets, as you can gain a lot of points and frequent flyer miles.
Let’s take a more in-depth look at some of the items that are best bought with your credit card:
Travel tickets and accommodations
When you purchase airline tickets online, you can already save a lot on airfares. Add to this the fact that some credit card companies have tie-ins with major air carriers, giving you bonus discounts. But this is just one advantage. Another advantage is paying for accommodation with your credit card. When you use your credit card for hotel stays, you can also benefit from complimentary travel insurance that covers accidents and other inconveniences. Besides, most hotels around the world would typically ask for a credit card anyway – so you might as well just use your card for accommodation and gain points instead.
Electronics and appliances
When you use your credit card to pay for electronic items and appliances, you will be able to get product warranties and price protection. Additionally, with some credit cards which have tied in with appliance stores, you can get 0% interest for the first six months or even the first year. Some card companies even offer extended warranties, which will give you extra savings if you ever need to bring the item in for repairs.
Purchases made online
Nowadays, it is becoming increasingly common for consumers to find products that they need online. And this is where having a credit card is absolutely essential. Besides, it’s much better to use a credit card for safety reasons – you can actually use the credit card as a firewall, compared to using a debit card, for instance. Advancements in security systems allow you to shop with ease and confidence knowing that your confidential information is adequately protected.
Utility bills and mobile phone bills
It is also a great idea to use your credit card for paying your bills, not only because it is more convenient, as it can be deducted automatically, but also because you can gain rewards for it.
At the end of the day, there are just some items that are best bought with your credit card. Using your credit card in this way will ensure that you make the most of it and get significant rewards besides.
Image attributed to: http://commons.wikimedia.org/wiki/File:Shopping_Mall,_Singapore_(4448039261).jpg