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I stopped using my debit card 3 years ago to put everything on my Chase Sapphire Reserve, and it's one of the best decisions I've made for my money

I stopped using my debit card 3 years ago to put everything on my Chase Sapphire Reserve, and it's one of the best decisions I've made for my money
David Slotnick/Business Insider



I haven't routinely used a debit card in years.




Since opening a Chase Sapphire Preferred Card in 2016 — and later upgrading to the Reserve — I use it for almost all of my purchases, from recurring subscriptions and bills to travel and meals out.




The Chase Sapphire Reserve earns 3x points on dining and travel and gives me a $300 annual statement credit for travel-related purchases, among many other perks.




Plus, credit cards are generally safer than debit cards and since I pay off my balance in full every month, it helps me build credit and earn rewards.




See Business Insider's picks for the best rewards credit cards »



I haven't routinely swiped a debit card in years, and I have my Chase Sapphire Reserve to blame — or thank, rather.
Back in 2016, I opened a Chase Sapphire Preferred card. In my race to score the 50,000-point sign up bonus, I put every purchase on my card to meet the $4,000 spending threshold within three months. (The card's now offering a 60,000-point sign-up bonus after you spend $4,000 in the first three months.) Then I just never stopped.
I'd previously been swiping my debit card at stores and restaurants, but now that I could use a rewards credit card to earn free money, there was no turning back. I still have a debit card because it's attached to my checking account, but I only use it whenever I need to take cash out, which is rare.
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