Definitely use credit cards. If you know how to manage your finances (i.e. spend about 40-50% of what you make and save the rest), it shaves off 1~2% off of all

Definitely use credit cards. If you know how to manage your finances (i.e. spend about 40-50% of what you make and save the rest), it shaves off 1~2% off of all your purchases. This is even before mileage, hotel stay, etc. rewards come in.