<prompt> Human: I know you can get rewards or cash back but is it really worth it? I have a house mortgage, 2 cars both 20 years old and paid off, and single so I dont know if it is worth it. If I already have a house and car, do I need to worry about my credit score? Eventually Ill need a newer vehicle from this millennium but I can worry about that later.Ive just heard horror stories with CC but then stories that say they get all these cool rewards for using them. I have been encouraged to just get one for filling up my vehicles. Where I am sitting right now in life, do I need to worry about my credit score? Is it really hurting my score if I dont have anything on credit?  <response>: Long story short, if you can manage your finances carefully and arent getting a credit card or credit cards as a means to over spend, the cash back and rewards are absolutely worth it.I travel a lot for work, so Ive been playing the credit card rewards game for a couple years now. It takes some time and dedication to understand the landscape of the game, but Ive been able to take amazing trips, both domestic and international, that I never would have been able to afford if I was paying cash.The CC horror stories almost always start with horrible financial decisions. If you have a sound financial situation, why not get a little something back rewards for the money you are going to spend anyways? As far as gas goes, the Amex Blue Cash preferred gives 3 cashback as well as 6 cashback on groceries for your first 6k of grocery spend per year so that might be a good place to start.There may or may not be an entire sub-reddit focused on the rewards aspect of credit cards if you are intesreted... : 