Question of the Day!

Cash-back credit card.

UNLESS the merchant charges a credit card fee that exceeds the cash-back amount. Then I use cash.

I only use debit cards in dire emergencies, like being stuck in Brussels (THE HORROR) and needing cash from an ATM for something.

(I should add that I pay off the credit card in full every billing cycle, so it's more like a debit card in the sense that I don't spend more than I possess. Otherwise, interest payments would negate the whole cash-back thing.)

C==|==============>
the pun is mightier than the sword