Reasons to Start Using Credit Cards Today
Since their debut in 1950, using credit cards has become second nature to many. Whether paying for your morning coffee, filling up your gas tank, or making online purchases, tapping or swiping away feels as natural as breathing.
To put things in better perspective, Experian reports that the average US consumer holds approximately 3.9 active credit cards, with older consumers and those with higher credit scores having more.
Nonetheless, many people still don’t trust credit cards and avoid using them at all costs. Maybe it’s the fear of debt, the temptation to overspend, or just a good old-fashioned love for cash. But let’s be real, credit cards aren’t the bad guys. When you know how to make them work for you, they can be a superpower.
Top Benefits of Using Credit Cards
The first modern-day credit card, Diners Club Card, was invented in 1950. It was designed as a cashless solution for paying for goods and services on credit from banks and other financial institutions. Fast-forward to 2025, credit cards are still a popular payment method across the globe.
Here are some of the reasons and benefits you stand to gain if you go the credit card way.
Build Your Credit Score
Did you know you have to spend credit to build credit? That’s right! If you don’t have a credit history, there are various types of credit cards designed specifically to help you build credit. In this case, every time you use such credit cards, then pay in full and on time while keeping your balance low, you’ll inevitably boost your creditworthiness fast.
But here’s the catch. Yes, overspending is a no-go, but using your card regularly is key. It shows issuers that you’re responsible with finances, improving your credit profile. Leaving your card dormant shortens the length of your credit history, potentially affecting the interest rates and loan offers you receive.
A Seamless Payment Solution
Nowadays, there’s something to pay for everywhere we go. Whether you’re out for a little entertainment or stocking up on your daily essentials, you can always expect to dish out some dollars to get what you want.
For Canadians, like much of the world, credit cards are the easiest of all payment methods to use. In fact, 66% of Canadian consumers reportedly use their credit cards for everyday purchases.
Likewise, 36% of Canadians with multiple credit cards use at least one for online purchases, with online casinos ranking among the top categories. With generous bonuses at the best online casinos available in Canada and the convenience of digital transactions, credit card payments are the go-to option for Canadian players.
Pair this with the added security features that debit cards or other payment services don’t have, and it’s the perfect recipe for hassle-free gaming. The same applies when making other online payments.
Fraud Protection
The security of using credit cards is unmatched. Since credit card payments don’t involve drawing money directly from your bank account, this affords credit card companies and banks enough time to detect fraudulent activity. In fact, the age of AI-driven solutions has enabled such institutions to monitor spending habits in real-time, making it much easier to detect fraud.
What’s more, most banks offer little to zero liability on fraudulent transactions involving credit cards. That means you won’t be on the hook if a scammer gets their hands on your plastic and goes on a shopping spree online. Plus, setting up security protocols for your credit card, like card lock or getting a virtual card number, is super easy.
Rewards Programs and Other Bonuses
Why settle for just spending when you can spend and earn at the same time? Credit card reward programs turn your everyday purchases into cashback, travel perks, and exclusive discounts. Whether you love collecting airline miles, VIP lounge access, or a little extra back on groceries and gas, the right credit card can make it happen.
Some credit card rewards programs offer flat-rate cashback, while others have tiered rewards where you earn bonus points in specific categories. If you love variety, rotating bonus categories keeps things fresh, and sign-up bonuses can get you started with just a few purchases.
The best part is you’re earning the money you’d spend anyway! Just pay off your balance in full, and those perks will be pure profit. So why not make every dollar work for you? The right card isn’t just plastic – it’s a ticket to better rewards.
Credit Card Users Continue to Increase
Since the COVID-19 pandemic, more and more people have embraced credit cards. During that time, many people struggled with low incomes, and most businesses were impacted negatively. That’s why people opted for credit cards with low fees and easy approval processes.
Today, frequent travelers and high-income earners prefer swiping their cards. With the ever-increasing cost of living, it’s clear that credit cards have become more than just a convenience—they’re a financial tool for managing expenses, earning rewards, and accessing short-term credit when necessary.
