Charge most everything I can - between $3-$4 K/month. pay in full each month and have never had a late payment or fees. Have been doing this since the reward system started, (If memory serves it started with gasoline as the "payback" and only latter evolved to cash, airline miles etc). We follow a strict budget so there has never really been a problem of purchases getting away from us but I can certainly see the value of a debit card or cash if impulse purchases are a problem.