I’ve only ever used a debit card when I was in Europe. There was zero incentive to get a credit card. Moving in the US was different, I needed to build credit and cards were the best way.
Now I have a Prime card because 90%+ of my spending is on Amazon and at Whole Foods, both of which give 5% cash back. I get thousands every year, something really hard to give up. I wish I could stop giving Bezos money, but the convenience of Amazon is just too much of an advantage for me. And I know that shopping is now just a drop in their earnings compared to AWS.
I’ve only ever used a debit card when I was in Europe. There was zero incentive to get a credit card. Moving in the US was different, I needed to build credit and cards were the best way.
Now I have a Prime card because 90%+ of my spending is on Amazon and at Whole Foods, both of which give 5% cash back. I get thousands every year, something really hard to give up. I wish I could stop giving Bezos money, but the convenience of Amazon is just too much of an advantage for me. And I know that shopping is now just a drop in their earnings compared to AWS.