I've only got two cards I've had for years and a decent credit score so fairly low interest. If you work the math and payments right you can end up saving a fair amount of money through cash back and various promotions. I tend to get like $100 a month in net savings, with inflation skyrocketing I'm gambling on that going up.

Both my cars are over twenty years old so note and not worth selling at auction and creditors can't touch your house in the state I live in so even if I'm wrong I'll still be able to survive.