The primary benefit for me is if your debit or credit card is compromised, lost, need to be replaced etc, you have another way of paying for things if you not the type to carry cash around.Further to this point, if your credit card is the main card you use, and subsequently more likely to be stolen, compromised cheap anti theft backpack, etc, you have more time to go to your bank and dispute any charges you didn make, and you not actually down any money the bank won make you pay off any disputed charges. If this happened on a debit card, you be down the money until you get to your bank branch and they process the dispute.If you travel frequently then it can be worth looking at cards that will increase your frequent flyer points and/or offer travel insurance. It also means that if you have any big purchases planned, you can put them on your credit card and pay them off at a later date not an excuse for outspending your means, but you get to keep your money for longer, earning interest (albeit a small amount at the moment in most savings accounts).All this being said, I know plenty of people who don have the willpower it self control to only use a credit card with their means.
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