Yea people keep talking about the convenience of not having to carry cash. I think the best benefit of a credit card is that you can do a chargeback if you're fraudulently charged or if the company does not deliver on the obligation of the purchase. Which I've had to do more and more lately as companies increasingly hide themselves behind powerless frontline customer support punching bags. I've done more chargebacks in the last two years than I have in the 20+ years I've had my Amex card.