Using one can streamline your accounts, rack up rewards for your purchases, and enjoy features that debit cards don't provide. Another cashback card is another wonderful choice for a first-time rewards credit card because the terms and conditions are simpler than those of a travel rewards card. There are pros and cons to using a credit card that offers cash back. It's possible that another card type would provide superior rewards or long-term savings, depending on how much you plan to spend.