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Credit cards are great for many thing other than just financing. Cards can help you balance your budget if you have flexible income or your two largest monthly bills happen to come at the same time of the month. You can also keep track of spending by seeing exactly what you spend your money on. Some cards even have financial tools to help you manage your expenses. Also, you need to use your credit to keep it healthy. Not having any credit cards is not good for your credit score. Never mind the fact that you can earn rewards on almost all of the money you spend on a monthly basis. For example, KingSize credit card that you mentioned can bring you rewards that can be redeemed towards your next purchase. Just remember to keep you balance low and make you payment in a timely manner.