If you have a good credit score, meet all your payments when they are due and you’re okay with the terms and conditions of the card, we’d say – go for it! Rewards credit cards are a great way to earn extra cash with, basically, doing nothing. We’re not saying that those with lower credit scores shouldn’t apply, but they should definitely be more careful. They’ll need to take their time to decide which card would be worth it, considering their financial situation. If they decide to apply for a credit card, they should apply for those designed for people with bad credit, like the Discover it Secured.