There are many benefits of having a credit card.  Credit cards offer the option to pay over time or pay your balance in full every month.  When used correctly, they can act as an expense management tool and aid monthly budgeting.  Having a credit card helps build credit history and establish credit ratings which you need to make big purchases such as a car or home.  And the best benefit is they are available for emergencies.

You should have a credit card because it is a convenient financial tool and a secure way to shop.  Some credit cards offer rewards that can be redeemed for travel, merchandise or even cash back.  There are many offers to choose from.  Always review your options and see what is best for you and your financial situation.