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. 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.