There's a lot to consider when comparing the benefits of using a credit card to the benefits of paying with cash. Each payment type has advantages and disadvantages, so you'll need to weigh your options to decide what's right for you.
![A restaurant server hands couple a portable card reader with credit card in slot.](/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/card-smarts/2022/07/GettyImages-914818722-e1533276577401.jpg.transform/cs-medium/img.jpg)
What Are the Pros of Credit Cards vs. Cash?
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![Application Icon](/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/card-smarts/images/doc-dollar.png)
No impact to your credit score
![Card Icon](/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/card-smarts/images/card.png)
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$0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.
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