Credit cards are great for all the reasons you listed, but there is rarely a good reason to carry a balance and pay the exorbitant interest rates on one. You c

Credit cards are great for all the reasons you listed, but there is rarely a good reason to carry a balance and pay the exorbitant interest rates on one. You can get all those benefits while still paying the balance in full each month and paying 0 interest, even using the time until the next statement as a free 30-45ish day loan.