Use a credit card for every single purchase that will allow it. I have the Amazon prime rewards card, and we order our dog food and many household items from there at 5% cash back.
I acquire cash back and it goes towards the balance each month. I pay the balance in full each month, thereby reaping the rewards (free money) and never pay a cent in interest. Been doing this for years.
Another reason I do this is because I do not want my routing and account numbers online with any business.
One small breach of your bank account and your life savings can be gone. I’m not trusting any big business with that, not to mention the fraud protections other users have mentioned.
If you can exercise discipline it’s a no brainier.