If you're able to live without the credit aspects of the credit card, why not take the 1-2% discount on nearly everything consumable that you buy?
If you pay it off every month, credit cards have a negative cost (to you) and a fair amount of convenience (for renting cars, hotels, booking flights, etc).
If you pay it off every month, credit cards have a negative cost (to you) and a fair amount of convenience (for renting cars, hotels, booking flights, etc).