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If it is a contactless card, there's a chance it could be read by nearby spying equipment, although the credit card ­industry says that's unlikely. Because the contactless card uses an over-the-air technology called near-field communication (NFC), which is more secure than RFID.NFC card signals are detectable in a range of 2 to 4 inches, while RFID card signals can be detected at up to 25 feet, says the Smart Card Alliance, an industry group.

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"It's simple to use, and the rewards are highly relevant since they're based on past purchase data." It's an idea that appeals to many shoppers.

More than 4 in 10 consumers (42 percent) who use debit or credit cards say they would prefer using an automatically applied discount or coupon linked to their payment card, according to an August 2015 survey that Credit commissioned from Gf K Custom Research North America.

Q: Do the new EMV chip credit cards (named after the developers, Europay, Master Card and Visa) require a protective cover so that they can't be scanned by nearby thieves, just as RFID (radio frequency identification) cards do?

Do other radio frequency ID cards, such as hotel key cards, pose a risk of identity theft? A: There are two types of credit cards using EMV chip technology.

One is read by a slot in a point-of-sale ­terminal; the other is read by holding the card near the sales terminal.

If your EMV card requires physical contact inside a reader, its transactions and account information can't be scanned remotely by thieves.

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Programs that give shoppers retail deals when they use certain credit or debit cards are not new, but they're gaining ground.

If you find deals that are right for you, they can be an easy way to save money.

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