I would agree if you said "Bitcoin vs a debit card", but a credit card has a serious disadvantage: 2% fee on merchants. Percentage based fees are so lucrative

I would agree if you said "Bitcoin vs a debit card", but a credit card has a serious disadvantage: 2% fee on merchants. Percentage based fees are so lucrative that banks are offering all sorts of bonuses to credit card users: discounts, cashbacks, line of credit, etc.