# What would you choose to make your monthly expenses?
**URL:** https://community.jupiter.money/t/what-would-you-choose-to-make-your-monthly-expenses/1365
**Category:** Polls
**Created:** [18 August 2020 04:43 UTC](https://community.jupiter.money/t/what-would-you-choose-to-make-your-monthly-expenses/1365 "2020-08-18T04:43:10Z")
**Posts on this page:** 4
**Page:** 1
### Author:  [@Seher\_Mehta1](https://community.jupiter.money/u/Seher_Mehta1)
#### Post date: [18 August 2020 04:43 UTC](https://community.jupiter.money/t/what-would-you-choose-to-make-your-monthly-expenses/1365/1 "2020-08-18T04:43:10Z")
_Poll ([view on site](https://community.jupiter.money/t/what-would-you-choose-to-make-your-monthly-expenses/1365/1))_
Would love to know why in the comment section!
PS: Tagging a few community champs for some great insights: @Parineeta_Banerjee @dhanvi @farzandfz @salilrav
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### Author:  [@salilrav](https://community.jupiter.money/u/salilrav)
#### Post date: [18 August 2020 05:25 UTC](https://community.jupiter.money/t/what-would-you-choose-to-make-your-monthly-expenses/1365/2 "2020-08-18T05:25:46Z")
1. My monthly expenses are not large enough for the .2% extra rewards to make a difference.
2. The credit card gives me better indemnity
3. I prefer a consolidated debit to my account for recurring living expenses (groceries, provisions…) which is most of my monthly expenses.
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### Author:  [@dhanvi](https://community.jupiter.money/u/dhanvi)
#### Post date: [19 August 2020 04:09 UTC](https://community.jupiter.money/t/what-would-you-choose-to-make-your-monthly-expenses/1365/3 "2020-08-19T04:09:14Z")
If you can’t control your spending I would suggest sticking with debit card.
I am biased towards credit cards, so take my comments with a pinch of salt!
- Credit card reward becomes at least 1.25% if you include interest gain (assuming 6% and at least 15 days for repayment)
- Easy chargebacks (I know you can chargeback using debit cards too)
- Helps to maintain Credit Score
- Other perks!
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### Author:  [@abhi](https://community.jupiter.money/u/abhi)
#### Post date: [19 August 2020 16:00 UTC](https://community.jupiter.money/t/what-would-you-choose-to-make-your-monthly-expenses/1365/4 "2020-08-19T16:00:15Z")
Would prefer 1% on credit even if there are no additional perks w the card, because I’d rather use credit and develop my score and limit over burning cash instantly!
Plus I agree w @dhanvi on the interest gain angle.
Would shift some expenses if flat 1.5% cb is offered on the debit!