Most cards in the US have a Visa or MasterCard logo, and transactions made that way have essentially the same legal protections as credit card transactions, but in the meantime, your money is not in your bank account. So other transactions may fail.

With credit cards, it's the bank's money that's missing, not yours.

I'm in Europe and still use my Amex for everything I can.

It has no membership fee, I get 0.5% cashback which is free money, and one time a merchant failed to deliver an order and they gave me back my money within like 10 minutes of me raising a dispute

If I had used my debit card with my normal bank it would probably take a week to resolve, and I'd be the one out of pocket in the meantime

Even with the same nominal protection, with credit I don't lose anything. With debit the money is missing from my account until the case is resolved.

I know I prefer to only put the bank's money at risk, not my own.