In Poland I get rewards for using debit cards too, credit cards do not offer anything more in that regard. The rewards offered by bank are the same regardless o

In Poland I get rewards for using debit cards too, credit cards do not offer anything more in that regard. The rewards offered by bank are the same regardless of which type of card I use. They are in fact based on referral programs (bank gets a small percentage of a transaction if we use their link and they share that earning with us). Debit cards are free and the cheapest CC I can get from my bank is $10/year. And every month I would need to make sure that the CC is paid. There's nothing CC can offer me besides maybe building a credit score.