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Yeah, I don't use rewards or loyalty programs at all; I don't like giving over the headspace to corporate manipulators. But I still use debit cards very carefully because of the better protections from fraud for credit transactions.

The rise of the chip card may have fixed that; it's been a long time since I've had a problem. But I'm reluctant to find out.

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I will say, it seems better than it used to be in the pre-chip days, but I've had to replace my primary CC once already this year due to an obviously fraudulent charge. To the credit of my bank, it was virtually painless - I had a new card in under 24 hours, and I didn't have to think about the $2000+ charge at all until they confirmed (two months later!) that it was in fact fraud.

Agreed. Using flat 1.5% cashback cards with autopay + setting the cashback balance to auto apply to each statement is the convenience compromise I have found

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