Interestingly, I recently started to use a credit card for a number of things that I would normally have used cash to purchase. I have for years tried to use cash whenever possible. BUT I could have taken a slightly higher deduction on my Federal Taxes if I had had receipts. So by credit carding the payments for co-pays and the like, I end up with a searchable journal of payments. No fees or interest on the card and I get cash back on all purchases. Plus after I have charged $500 (within the first 3 months), I get $150 from the bank. Why not, I say. Of course, I transfer the payment to them as soon as I have used the card, so there will never be a balance.