<prompt> Human: Credit Hi all, I had a quick question thats been nagging at me. I met with my bank rep and mentioned to her I usually use my Debit card for everything and if I ever used my credit card, which I do very sparingly, I pay it off instantly. I was told by that bank rep that I should just use my credit card and just pay that off instantly. Obviously I wont go out and spend more than I have, but is something like that even worth it if I only get 1.25 cash back? Or is there a way I can increase that percentage? Thanks!  <response>: Yes, using a credit card responsibly is worthwhile and for more reasons than just getting rewards: its much safer than using a debit card ever, as it never puts your own actual money in your bank account at risk to fraud like a debit card does.As for rewards, its an automatic no-effort discount on all your qualifying purchases, so its definitely worthwhile so long as you use it responsibly.2 is the highest flat-rate cash back rewards card Citi DoubleCash. There are others that offer 3 to 5 on specific categories of spending. 