Paying in cash is a good thing. But, cashless shopping could bring a lot of perks, generous discounts and interest-free installments.

Most credit cards today offer rewards points to promote loyalty among users. Make sure your card has a rewards program and that you are getting the most rewards points for your spending. But, you also have to pick a card that suits your lifestyle. If you travel often, get one that is designed for travelers.

If you are intending to buy a new allergy mattress covers, watch out for news of your card issuer offering 0% installment packages. You get to keep your cash, spend it on something else or let it earn interest in the bank, as well as earn rewards points. To make you pay with plastic instead of cash, card issuers talk to boutiques, restaurants, hotels, even spas and gym to offer you discounts and other freebies.

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