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More and more people are choosing plain vanilla credit cards over rewards cards and you've just read some of the reasons why. When you choose one of these cards you'll be giving up any rewards but you should have a lower interest rate, could miss a payment without incurring a penalty and still get some nice "freebies" such as your FICO score, travel insurance and payment protection. So, before you jump on that promotional offer for a rewards card, sit down and think it through, calculate the cash back you would be earning versus the interest you’ll be paying, and you may decide your best bet would be one of the plain-vanilla credit cards.