Scenario 1:
Get a credit card that gives you $1 cash back for every $100 you spend but you must pay a $25 yearly fee.
OR
Get a credit card with no annual fee that gives you 100 points for every $100 dollars you spend where points lead to free gift cards. If you are late on the payment you lose all your points.
Scenario 2:
A credit card that gives you 5% cash back when shopping online but charges 25% interest if you don’t pay the full bill each month.
OR
A credit card with no special rewards, but only charges 15% interest if you can’t pay the full bill.
Scenario 3:
Get a $100 gift card just for signing up for the credit card but you must spend $1,000 in the first 3 months to get it.
OR
Get a $25 gift card just for signing up, with no spending requirements.
Scenario 4:
A credit card that gives you free airline miles (1 mile per $1 spent).
OR
A credit card that gives you 1% cash back on everything you buy.
Scenario 5:
A credit card with 0% interest for the first 12 months (no extra charges if you can’t pay the full bill), but interest increases to 30% after that.
OR
A credit card with 18% interest that does not change.
Scenario 6:
Use a digital wallet app (Apple pay, Google pay) that tracks all of your spending and sends you weekly reports but requires sharing your location data with the company.
OR
Use a traditional credit card with basic online banking that doesn’t track spending patterns but keeps your personal data more private.
Scenario 7:
Get a credit card that automatically cancels forgotten subscriptions after three months of non-use but charges a monthly “digital protection” fee.
OR
Use a regular credit card with a free app that sends you monthly reminders about all of your subscriptions, but you have to manually cancel them yourself.
Scenario 8:
A credit card that gives 3% cash back on all online purchases but offers no protection if you get scammed or receive fake products.
OR
A credit card with 1% cash back that guarantees full refund protections for any online purchase disputes and includes identity theft monitoring.
Scenario 9:
A credit card that gives 5% cash back on purchases made through social media apps (Instagram, TikTok shops) but requires you to share your purchase history on your social profiles.
OR
A credit card with 2% cash back for all purchases but keeps your shopping private.
Scenario 10:
A credit card that allows you to get early access to products promoted on social media by influencers with a 10% discount code but charges 2% extra on these special purchases.
OR
A credit card that blocks access to influencer promotional links for 24 hours but offers no special discounts (to avoid impulse purchasing).
Scenario 11:
A credit card that categorizes and limits your spending (blocks in-game purchases after $50/month) and sends alerts to your parents.
OR
A credit card with no automatic controls or communication with parents but requires you to set up and monitor everything yourself.
Scenario 12:
Receive digital rewards (gift cards, streaming subscriptions, app purchases with 3% cash back for spending).
OR
Receive physical rewards (merchandise, travel money, activities) with 1.5% cash back.
