💳 Credit Cards in 2025 – What to Know, Best Options & How to Use Them Credit cards are one of the most powerful financial tools— when used responsibly . They can build credit, earn rewards, offer fraud protection, and help manage cash flow. In 2025, cards are smarter, more secure, and more personalized than ever. 🧠 What Is a Credit Card? A credit card lets you borrow money up to a set limit (your “credit limit”) to make purchases, which you repay monthly. You can: Pay the full balance (interest-free grace period) Make a minimum payment (and pay interest on the rest) 🔍 Types of Credit Cards 1. Rewards Credit Cards Earn points, cash back, or miles for every dollar spent Great for everyday spending or travel 2. Cash Back Cards Simple rewards: e.g., 1.5%–5% back on groceries, gas, dining Some offer rotating bonus categories (e.g., quarterly) 3. Travel Credit Cards Earn miles/points for flights, hotels, and travel perks Often include TSA PreCh...