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For decades, futurists have been predicting the advent of the cashless society, but like flying cars and time-travel, that future never seemed to get here – until now.Between credit and debit cards, online payment systems, peer-to-peer networking, smartphone apps and more, it’s never been easier to quit carrying those greasy greenbacks.The most recent survey of purchase protections by Credit found more than a dozen cards offering a package of all those benefits, including the Citi Prestige card and other Citi offerings, the Chase Freedom card, Discover it and Wyndham Rewards Signature Visa.* Other protection perks include getting free credit scores from a number of card issuers, including Citi, Barclay Card, Capital One and Discover.Also, Discover just introduced free ID theft protection that monitors your Social Security number and alerts you if anyone tries to open credit accounts in your name.* 3.* We encourage an active and insightful conversation among our users.Please help us keep our community civil and respectful.“But you have to do whatever you have to do to pay the bill on time and in full.” She suggests checking your accounts at least once a week to make sure you don’t forget about any spending, especially if more than one person is using the account.

“Rewards are certainly a benefit of using plastic over cash, and there are so many different programs that have no fees.If you live paycheck-to-paycheck, you can get hit with late fees and other problems.” Many card issuers go even further, offering purchase protections that include extended warranties and replacement insurance for lost, stolen or damaged purchases.There’s also price protection, which refunds the difference if something you buy goes on sale in 60 to 90 days, and refund protection if you’re unhappy with a purchase.Except in the very rare instances where a retailer will give you a slightly lower price if you use cash, it offers no rewards,” he says. Consumer Reports found that a typical family using just two cards – an American Blue Cash Preferred Card and Citi Double Cash Card – could reclaim more than ,000 in cash over three years.* Combining these kinds of offers allowed Laura and Brad Barrett, two Virginia CPAs who run the Richmond blog, to wrangle a ,000 family trip to Disney World using credit card rewards.Other perks may include exclusive offers on entertainment offerings and experiences, hotel room upgrades, concierge services and access to airport lounges, just to name a few.

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