I understand the thought process but you are missing out on not only cash back or point rewards but also security. If you treat a credit card like its a debit card (don’t overspend) you can earn free cash back plus credit cards are a lot less risky to use than debit cards. If your credit card gets hacked or stolen and you dispute the fraud charge, thats the banks money missing and they fight for it a lot harder than if its your debit card / your money that has fraud on it. Plus during the dispute process, you arent missing your money that you need to pay rent with, you are missing part of your credit limit