While not always too significant, many credit cards also offer points or cash back. I do the same as you (use my credit card for practically everything and always pay it off), and can use whatever points I get to make small mortgage prepayments, buy gift cards, etc.

This is what I do. I don’t use a debit card, but instead use a “credit condom” so that if someone steals my cc and uses it, I’m not liable. I also pay in full so I don’t have to carry cash and keep a healthy / active credit history.

My credit score is about as good as it can get, and I have no problems buying anything big ticket.

This is basically what I do. It made keeping track of my finances really simple. I just try to keep my checking account balance higher than my credit card balance. If there's anything left when I pay off the card at the end of the month I move that over to savings. Easy peasy.

The thing I found about using my credit card like this is it actually ended up saving me a bunch of money because in times when money was tight it gave me the flexibility to stock up on things when they were on sale, or to get the extra jumbo value pack with better per-unit cost, because I could spread the cost over several paychecks instead of being limited to what I could afford out of just that week's paycheck. If you do it right it does a lot to take the edge off of "Vimes' boots" theory of socioeconomic unfairness.

Just to add to this, being selective about which card(s) you use and maximizing bonus points can lead to some pretty significant travel benefits.