If you always pay your credit card bill fully, not just the minimum balance, there are incentives, such as cash-back deals, that allow you to virtually receive a 1-3% discount on anything you buy. This is why I always choose to pay with a credit card when the option is available. If you use credit responsibly and have a card with a good cashback deal, you can save a surprising amount of money surprisingly fast. The card I use has 3% cashback for groceries, 2% cashback for gasoline, and 1% cashback for everything else. When I use the card for things I already would buy, it is an effective 1-3%-off discount for products that may already have a discounted price. Some other cards have an even higher rate of cashback on certain categories that change every so often.