<prompt> Human: My family has always had a staunch no credit card rule, and we were raised to never hold any personal debt of any kind except educational debt and house debt. Consequently, my husband and I have no debt except about 11K in student loans, and roughly 40K left on our house. We do not have a high net worth for our age, about average, as we job hopped and moved a lot during our twenties and had several periods of going back to school for both of us and mostly cash flowed that. One of the things Im interested in doing after we pay off our student loans and increase our emergency fund by 20K because of the income increase we experienced in 2016. Our 2018 goal is traveling internationally more and Im thinking about getting a credit card to get points. Is this even worth it at all? Should I just save in a separate account? What credit card works specifically towards travel or airline points? I could see us easily putting budgeted things on it but nothing else but I dont want to go down the slippery slope of credit card debt, which is what my parents have always threatened would happen to us if we ever got one. Should I bite the bullet and do this? or not? I dont mind just opening a seperate account and saving a portion of our income each paycheck for traveling but I was wondering if theres a way to hack the system and decrease the cost of the trip while paying for the same things weve always paid for.  <response>: Do it...rewards credit cards are literally free money. If it makes you feel better, open a separate account for your travel find and use the money only for paying your credit card bills.People who have a no credit card rule either dont understand how they work or are not responsible enough to use them properly. It sounds like you are a financially responsible person, so why not get rewarded to spend money on things you were going to spend on anyways. 