Tons of cards have zero fees. Some offer rewards and benefits at no real cost. I have for nearly a decade used a card with 1% back on purchases and 1% back on payments. Running all my usual spending through that and then just paying it off has net me a lot of money in that time that I just use for statement credit.

It's easy to dispute charges should I ever need to. Rare since I'm cautious anyways, but the extra layer before my actual bank account is nice.

It has also built up a hell of a credit rating for me as well.