Even if you don't use credit cards often, they still build credit. Likewise, + or - 1% in cash back won't set you forward or backwards too much, especially for

Even if you don't use credit cards often, they still build credit. Likewise, + or - 1% in cash back won't set you forward or backwards too much, especially for the few merchants who will charge fees, to really justify changing habits. Pay 99% at merchant A (cashback), 100% at merchant B (cash), or 104% at merchant C (surcharge on credit card).