You are correct, you don't pay interest if you completely settle the bill at the end of the month. Same with the secured card. In fact, the secured card I linke

You are correct, you don't pay interest if you completely settle the bill at the end of the month. Same with the secured card. In fact, the secured card I linked actually offers 2% cash back, so you get paid to use it in some sense as long as you pay it back in full every month. that is very normal with us credit cards. It's really just a method for the bank to see if you can handle paying your bill every month without risking their own money, I suppose. The minimum amount to open the card is just a 200$ deposit so it's not exactly high stakes. When I had mine the bank took initiative on its own after 6 months and sent me my deposit money back unprompted to turn it into a normal credit card. It's really not a thing that's expected to see normal day to day use for extended periods. To answer your question I would imagine most people pay for groceries with debit cards that are just tied to their bank account directly, not credit cards.