A credit card strategy for FI means using cards for rewards, cashback, and convenience while never carrying a balance. Interest on revolving debt destroys wealth—paying in full each month is non-negotiable for FIRE adherents.

Principles

• Pay in full — Treat the card like a debit card; never spend more than you can repay.
• Rewards as bonus — Cashback and points are a small upside; don’t chase them by overspending.
• Avoid lifestyle creep — Cards make spending easier; track expenses and stick to your budget.

For FIRE

If you can’t pay in full, avoid credit cards until you can. Debt-free FI is easier when you’re not servicing high-interest debt. Use cards for planned expenses (bills, subscriptions) and automate full payment to avoid missed due dates.