Some good things about a credit card, contrary to popular belief, is that you're actually much better off paying off with a credit card than you are a debit card and keeping cash transactions to a minimum.
If you have good or excellent credit you can get approved for credit cards that offer bonuses worth $150 or more in exchange for spending a certain amount in the first several months the account is open.
You can also receive cash back, meaning that some cards now offer 2%, 3% or even as much as 6% cash back on selected purchases, though such lucrative offers involve quarterly or annual spending caps. The best cash back cards are those that charge minimal fees and interest, while offering a high rewards rate. You can even get reward points, flyer miles, and bonuses with each card you receive.
Credit cards can come in handy as long you as you handle them correctly. These are sometimes better than loans because you can use when you want and you get bonus deals with it as well.