[greenyoda]

In the U.S., it's easy to get a credit card that has no fees. (There are some cards, like the ones associated with airline frequent flyer points, that still have annual fees.)

In fact, some credit cards will pay you a rebate on your purchases. One card I have gives me back 1% of everything I spend (the credit card company charges the merchant 2-3%, so they still come out ahead). Since I pay off my balance every month and thus pay no interest, using my credit card actually saves me money over paying in cash.

[bdcravens]

"easy" in the sense that you need an adequate FICO score. (as your credit habits obviously have rewarded you with, kudos)