I’m definitely aware about rewards programs that Credit Cards have. Things like cash back, reward points, airline miles and things like chargebacks are worth considering if you have not yet made a choice. The risk/reward ratio doesn’t play out well for me because using credit for daily spending is so easy to lose track in comparison to things like a car loan or mortgage.

I agree that if you can trust yourself to be constantly on top of it that using a credit card fairly regularly isn’t a bad idea. There’s a reason that credit card debt is so endemic though, and being unable to pay it back because of unforeseen circumstances will hit you harder than things like a long-term car loan that you can more easily refinance