They can be really good if you're responsible. If you always pay my cards off in full, then they can be extremely beneficial. With a debit card, somebody who g

They can be really good if you're responsible. If you always pay my cards off in full, then they can be extremely beneficial. With a debit card, somebody who gets ahold of the details might be able to drain the account that its linked to, but with my credit cards I have fairly low credit limits (like $5K) and I have absolutely no liability for fraudulent transactions so I'd not have to pay for them if my card details were stolen (luckily I've never had that happen so far). I don't have a corporate card for my job, so I use my personal one for travelling and things like that. With the credit card I don't have to use any of my own money - work reimburses the expenses within two weeks, which is well within the interest free period of thirty days. The rewards are pretty good - my Amex gives me frequent flyer points so I prefer that to having a corporate card. I book my own flights, hotel, etc. when I travel for work and charge it to the card instead of getting a travel agent to do (they would invoice the company) so I get the rewards. Finally, you get a bit of a spread if you already have the money but use the credit card and take advantage of its interest free period. If I'm making a large purchase, that might be 30 extra days that money is in my savings account earning interest. Probably doesn't add up to much at the current savings rates (2.8% on my best account) but it's something!