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Do I even need credit cards?
The key part of your question is the "so far".  So you didn't need a credit card today, or yesterday, or last month - great!  But what about tomorrow?  The time may come when you really need to spend a little more than you have, and a credit card will let you do that, at a very modest cost if you pay it off promptly (no cost, if paid within 30 days). I learned this when I was traveling and stranded due to bad weather.  I had almost nothing in my bank account at the time, and while I actually did have a small student-type credit card, I came really close to having to sleep at the train station when I didn't have enough for another night in a hotel. As an example, if you have close friends or family living across the country, and something tragic were to happen, would you be able to pay for a flight to attend the funeral?  What if you'd recently had an accident and a big medical bill (it doesn't take much, a broken arm can cost $10,000)?  Perhaps you have a solid nest egg, but breaking a CD ahead of schedule or taking short-term capital gains on a mutual fund will usually cost more than one or two months of interest payments.