I have a credit card for bonuses and certain benefits like when renting a car, but as it’s AMEX I need my debit card with me anyway as the acceptance rate is ab

I have a credit card for bonuses and certain benefits like when renting a car, but as it’s AMEX I need my debit card with me anyway as the acceptance rate is about 70% (of places even taking non-girocard cards) here in Germany. As I automatically pay it off every month and enter all transactions in YNAB, it has no drawbacks.