[lxgr]

Third option: You have the money and like paying less than people paying with non-rewards cards.

[rswail]

Fourth option: You use tap-to-pay and pay the balance in full every month for the convenience at zero cost.

[thunderfork]

Do American debit cards not have tap?

[rswail]

I'm in Australia, I have my credit card set up as the default to tap.

Means one payment from my savings account a month to cover all daily expenses.