“I have some store credit cards and one ‘regular’ credit card, should I get an Amex so that I can get points?” -Sam

It has been well established that we spend more money when we use a credit card versus a debit card, approximately 12% to 30% more, depending on the source. So just keep this in mind that you may spend more and therefore really pay for those points or miles. If you are not sure whether you would be disciplined or not, don’t do it, and avoid the headaches….