<prompt> Human: I now use Chase Sapphire Preferred for all of my transactions and got it to take advantage of the rewards points. I will be using it for everything each day, accumulating the rewards points, and then paying off the balance in full each month. Im pretty responsibly with my money Im an accountant and and knowledgeable about the risks, but I just want to hear advice from others who do the same thing.I guess I dont like the idea of my credit card balance piling up more and more by the hundreds--especially since I just paid off about 5,000 of all my debt last month. How is it working for you switching to credit instead of cash and debit?  <response>: Chase Sapphire Preferred is a great card, especially for travel! It is best if you can pair it up with a Chase Freedom card no annual fee with 5 reward categories. That way, you can accumulate Chase Reward points much more quickly, and transfer points from Freedom to Sapphire, then from Sapphire to a partner. That way, each point is worth say 1.5 cent if you transfer to United airlines rather than taking cash back for 1 point1 cent. 