> Really, what are the upsides to using a credit card instead of a debit card if you have the money?

If only there were some way you could find out. 

Alas, you are destined to die as you lived: a total ignoramus.

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2) Build up your credit score, which is used for employment, insurance, rentals, mortgages, car loans, etc.  Note that a major factor in your credit score is your "credit age".  So if you only have one revolving line of credit (a credit card that you've had for 10+ years), and you cancel it, your credit score will crash.

https://www.cnbc.com/select/why-credit- … -for-jobs/ [Highly Credible Source (Liberal)]

Dating apps are also increasingly allowing people to screen out candidates with bad credit scores.

https://www.cosmopolitan.com/relationsh … ating-app/

Some people don't want to date or marry an irresponsible deadbeat with massive debts, so they'll just screen out people with low credit scores.

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Covid forced me to use credit card instead of cash for everything. Always pay it off & now have a bajillion ‘points’ I never asked for and need to cash in

If someone steals your CC number, it's someone else's money.  A debit card is your hard earned cash.

wrote:

1) 2% cashback.  Free money, assuming you pay it off in full every month.

2) Build up your credit score, which is used for employment, insurance, rentals, mortgages, car loans, etc.  Note that a major factor in your credit score is your "credit age".  So if you only have one revolving line of credit (a credit card that you've had for 10+ years), and you cancel it, your credit score will crash.

https://www.cnbc.com/select/why-credit- … -for-jobs/ [Highly Credible Source (Liberal)]

3) Greater consumer protection.  If you get a fraudulent charge on your credit card, you just reverse the charge, and you never lose a penny, not even for a second.  But if fraudsters get your debit card number, they can drain your bank account, cause overdraft fees, and now you have to get your money back.  Additionally, you might have billpay & checks bouncing because your checking account is empty. 

Best Strategy: Use a 2% visa/MC credit card at point-of-sale transactions (and pay it off in full each month), and use a no fee debit card at ATMs.

#3 is the winner.  With a debit card all the burden is on you to recover money from fraud or theft, the bank won’t care two shyts.

Is a Credit Card Safer Than a Debit Card?

Credit cards generally offer greater consumer protection against fraud than debit cards. With credit cards, your liability is capped at $50, and many card issuers offer zero-liability protection.  Debit card fraud protection exists but often comes with stricter time limits for reporting unauthorized purchases.

https://www.investopedia.com/articles/p … better.asp

Quick Answer

Credit cards are safer than debit cards because they offer better protection if unauthorized charges are made to your card. On a debit card, you could be liable for up to the full amount charged if you don’t quickly report the card’s loss or theft.

https://www.experian.com/blogs/ask-expe … 8535206807

https://www.youtube.com/watch?v=RT0sx-wsJog

Spanky wrote:

Also, my Amazon Prime card gives me 5% back on Amazon purchases. I make a lot of those, so this works out as well. The card then provides 2% on everything else.

^yes Amazon Prime card gives me 5% cash back. Thank you to everyone out there who's subsidizing my free cash back

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Covid made using cash to be dirty, ghetto level unseemly and sketchy. It used to be common and old-school respectable to stick to cash in order to control spending if on a budget. Makes you more aware of money leaving your wallet, having enough, not overspending etc. Now cash is for gutterfilth and prepare to be treated like a drug dealer, if stores will even accept it.

Covid killed the penny.

inflation killed the penny