I was a on the Dave Ramsey plan for the 15 years prior to retiring and joining the airlines; I had no credit card, only one debit card.
After hearing of several scams/skims/fraud events, while on the road, I was convinced to run everything thru a credit card.
So...I have 3 cards and only use 2. I have the Delta Skymiles AMEX because it is free for employees and you get a free checked back when you buy a ticket. That is all I use that card for. The Costco card gives 4% back on gas, 3% on restaurants, and less for other purchases. I use it for gas and eating out. The USAA cash rewards card gives 2.5% back on everything, so I use that for EVERYTHING else to include utilities...if they’d just let me run my mortgage thru it!
Ive had 2 instances of fraudulent use with them, but both companies fixed it with a single phone call.
Delta Air Lines, ATL B737 FO
CW4 (ret) UH60, MH60, AH64, C12, B737