Convenience

 

Credit cards allow you to make purchases without carrying cash or checks. They are widely accepted at most merchants, and many offer the option to make purchases online or over the phone. 

Rewards

 

Many credit cards offer rewards programs that allow you to earn points or cash back for purchases. These rewards can be redeemed for merchandise, travel, or other benefits.

Building credit

 

Using a credit card responsibly can help you establish a credit history and improve your credit score. This can be important when applying for loans or other types of credit in the future.

 

Grace period

 

Many credit cards offer a grace period, which is a period of time during which you can pay your balance in full without accruing interest. This can be helpful for managing your finances and avoiding interest charges.

Help in a bind

 

Credit cards can be used in emergency situations when you need to make a large purchase or unexpected expense. This can provide you with a safety net and help you manage unexpected financial challenges.