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While many debt free die-hards consider them the devil’s best weapon in driving you into insurmountable debt (indeed around 18m people received a default notice on their credit card bill last year), used properly, they could help manage your finances better thanks to interest free periods and balance transfer offers that operate like an interest free loan as long as you play by the rules.Meanwhile, buying something with a credit card can afford you more protection than buying using a debit card or cash.If you think about it, it's not as if any of these companies are offering you cash for nothing; more often than not it's used as incentive for you to purchase something.And since a discount isn't taxable, there's no need to keep track of all your cash back rewards to prepare your tax return.The best way to do a credit card comparison is to decide what you want from the offer and work backwards.Credit card debt has risen to record levels, in spite of income remaining static.

But this jargon-heavy market is swamped with a dizzying array of credit card deals.However, there may be times when you need to reduce the amount of a deduction to reflect the discount that a cash back reward provides you with.For example, suppose you're self-employed and you purchase a cell phone that you use solely for business purposes.But if you think you need to report these rewards on your tax return, you’ll be happy to know that it isn't necessary in most cases.For most of these rewards that are given to consumers, the IRS treats them as discounts rather than income.In this case, the cost of your phone is fully deductible on your return.

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