If you can use credit cards wisely and pay them off each month, take advantage of rewards points. Make sure there are no annual fees when you sign up. I have had several offers for credit cards in the mail this year and they have offered additional rewards points for spending a certain amount over a one month or three month period and were worth applying for. Just use the card for your normal purchases during the required time.
In addition, cards offer larger percentage points for different purchases. Discover, for example, offers an added bonus every quarter (make sure you sign up for it). It could be home improvement, gas, or eating out but they come with sometimes as much as 5% cash back up to a certain amount.
This year, I plan to use several cards to get the maximum points return. Take a look at your cards and use whichever gives you the most cash back when shopping or buying gas.
Note: Wells Fargo offers up to $600 protection for damage or theft of your cellular phone if you pay your monthly mobile telephone bill (some restrictions)
Note: If you're travelling abroad make sure you use a card that doesn't charge overseas transaction fees.