For years I was an astute follower of Dave Ramsey and used a debit card exclusively, then I removed my head from where the sun doesn't shine and got an Amazon Chase card. 3% off on Amazon, 2% on gas and groceries and 1% on everything else. Pay it off when the bill comes in. You can request a check whenever you accumulate 50 dollars. Last 3 items I ordered from Amazon was free shipping and were priced no higher than anywhere else on the net. Much less expensive than buying at "HOME"