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* We encourage an active and insightful conversation among our users.Please help us keep our community civil and respectful.Budgeting and expense tracking Unless you like toting a wallet full of receipts, cash also is difficult to track.With credit cards, however, it’s easy to track exactly where and when each purchase was made.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.An ongoing study at NYU’s Center for Genomics and Systems Biology found bacteria that can cause pneumonia, food poisoning and staph infections among about 3,000 organisms living on $1 bills.Put it altogether and going cashless can be a quick way to improve your budgeting, safeguard your money and pick up some hefty bonuses – all without picking up any germs.

Anything you post may be disclosed, published, transmitted or reused.Perks and bonuses Beyond security, where credit cards really beat cash is with benefits and rewards, from free hotel stays and airline trips to cash back rebates, notes credit expert John Ulzheimer, formerly of FICO and Equifax.“Rewards are certainly a benefit of using plastic over cash, and there are so many different programs that have no fees.If you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings.

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Flyers using the Gold Delta Sly Miles card from American Express get one free checked bag on each flight, the Chase Sapphire Reserve card offers trip cancellation and delay insurance, travel accident insurance and lost luggage protection, and the TSA lists 16 cards that can score you free access to the airport Precheck program that speeds you through security lines.* As Frankel of notes, “As more and more credit cards compete for your dollar, the perks just keep getting better.” “Rewards are certainly a benefit of using plastic over cash, and there are so many different programs that have no fees.