If you need credit, there are credit options with much lower rates than what credit cards offer.
And the reason credit card benefits suck is due to european interchange fee caps and regulation.
I really hope you're getting paid to pretend to be this gullible to the most basic of the credit-card companies schemes.
There are no benefits for any of the credit cards I could get since roughly Corona - I was using them before but all cards which had positive benefits were removed/discontinued since.
Hence I'm back using a debit, because it works the same (no benefits either way) and doesn't come with a monthly bill.
Theres still a very good reason to use them - buyer protection.
I use a Virgin Atlantic reward card and have it set to pay off automatically, never running up debt. It both protects me as a buyer, and has the benefit of taking ~£500 off annual family holidays, and gives me a free companion seat in the process, effectively halving the price for one of the passengers.
If there's a problem with the item, you can "return" it to the bank — after all, they own it! So in practise you can ask the shop for a refund, or you can ask the bank.
It is a stronger protection than a debit card chargeback.
As an example, I bought flight tickets from an obscure budget airline on a credit card. Months later, beyond the usual debit chargeback time limit, the airline went bankrupt — but my bank purchased that service, and isn't going to provide it! They refund immediately.
https://www.ukfinance.org.uk/our-expertise/cards/chargeback-...
You know you're paying higher sticker prices to finance that, right?
Go on Virgin Atlantics site, search for any flight, you can then apply points to that, or redeem a companion voucher. That doesn't bump the price up prior to redemption.
I dont "pay" for the points I get, as I'm not spending any extra day to day. The credit card is free.
Though Amex are currently in dispute with the Netherlands who believe the caps do apply to them. I don't think a final judgement has been made yet.
Best cashback in my country is 1% back, capped at 500€ a year, after you do 33000€ worth of purchases a year.
