If you’re interested in earning something back every time you spend money, a cash back credit card is by far the simplest option. There are no points or rewards programs to keep track of and no complicated redemptions. You pay with cash, and you get some cash back on your purchases.
If you have an old credit card sitting in the back of your wallet that you haven't swiped in years, you might be tempted to close your account. Conventional wisdom would disagree, however. Unless the card comes with an annual fee, most credit score gurus will say leave it open. Often, they're right.
It seems too good to be true: Credit Karma will provide you with your credit score absolutely free. All you have to do is sign up at creditkarma.com, and you can see your credit score immediately.