Obviously, all forms of money have their advantages and disadvantages. Both cash and credit cards are convenient to buyers. Using credit cards is an easier way to carry a lot of money. if you use a rewards credit card, you can earn cash back or other incentives. You can swipe your card and not feel the impact until the bill comes. And if you've overspent so much that you can't pay your bill, you'll have to pay interest at a high rate. when you carry cash. You don't have to worry about missing a monthly payment and having your credit card company sock you with late payment fees and interest. Finally, some companies don't take credit cards; they accept only cash.