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When you pay cash you are paying for the credit card convenience (the fee that is built into nearly all price tags) without benefiting from it.

My bank returns 2% of the charged amount. If I paid cash I would forego this benefit.

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I don't have a credit card, and don't know anyone who does - only debit cards. So this might be specific to your bank and/or country ?

Most US credit cards return 1%, some return 2%. Another advantage of credit cards is that the bank acts as a mediator in case of disputes regarding the charged amount. Also, rental cars and hotel rooms are only available if you charge them to a credit card.

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