[massysett]

Debit offers most of these benefits though, at much lower expense.

I use credit because with the rebates it’s rational for me. If retailers offered a sufficient cash discount to wipe out the 1% rebate, I would move most of my volume to debit or even to direct debit.

An example is my cell phone bill. Verizon offers such a huge discount for direct debit that I do it. Otherwise I would certainly use credit.

[amethyst]

Except with debit the risk is now back on me to make sure my PIN doesn't get stolen/skimmed/whatever. Transactions are less convenient than a single tap, and (at least in the US) requires paying attention to see if places even support debit.

Ironically, many smaller shops don't support it, even though it would theoretically be cheaper per-transaction, because the up-front costs and hurders are higher than a Square account.

[brewdad]

My kid's university housing bill accepts credit card payments with no added fees, so I get my 2% back on that. The tuition bill can be paid by credit card but they tack on a 4% fee, so tuition gets paid by check.

Rinse, repeat with most vendors.