I've always wondered this too. Everything else being equal, a credit card seems like the better choice - cashback, the option to perform a chargeback if the tra

I've always wondered this too. Everything else being equal, a credit card seems like the better choice - cashback, the option to perform a chargeback if the transaction goes south, and sometimes an extra long warranty. It costs the store an extra ~3%, but I'm not paying that, they are, so unless they directly pass the savings onto me, there isn't really any benefit currently.