It’s still worth using cards for the rewards points. I just set mine to auto pay and enjoy having everything I buy 3-5% cheaper, plus way better purchase protection and customer service. I’ve never paid a cent in interest or accrued any debt whatsoever.

And if for some reason you ever do need a loan, it’s a lot easier to get one with a credit history. It sucks that it is that way but it’s ridiculously easy to get a score well into the 700s if you just auto pay a credit card.