I try not to use my debit card for two main reasons: fear of fraud and lack of rewards. While I believe my credit union would reimburse me if someone were to s

I try not to use my debit card for two main reasons: fear of fraud and lack of rewards. While I believe my credit union would reimburse me if someone were to steal my debit card information and use it to make a bunch of crazy charges, that would also mean that I could literally have no access to cash for some period of time. This isn't a fear with my credit card since fraud never becomes "real" to me - I've never had to pay back fraudulent charges. Second, I pay a nominal fee ($75/year) for an American Express card that offers higher cash back rates on the purchases that happen to make up the bulk of my expenses (6% back at grocery stores!). Without that $75 fee, cash back would be 3% at grocery stores...still pretty good. I have never carried a balance on my credit cards - I set the closing dates for all my cards to be the first of the month, and I set an automatic payment for the balance of the card to be processed on the second. Clearly this is something most consumers don't do, but it has worked well for us.