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In addition to the money back that was mentioned, in the US credit cards provide consumer protection. If you pay $500 for something and it's never deliver you can get a charge back from the cc company. Good chance you'll get your money back with minimal hassle. If you use a debit card or equivalent there is a lot less protection and it's a lot harder to get your money back. These are asfaik legally mandated things so it's not a question of CC being nicer as much as them being legally forced to be nicer than debit cards.

If you're able to actually control your spending a CC is very much superior to anything else in the US.




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