I use my credit card nearly exclusively, and I don't even get cash back. Apart from being contactless while my debit card isn't, there are added layers of security, and I can keep my checkings account balance low and leave most of my money in my savings, only transferring when I really need it. That way, even if someone did manage to steal my debit card, most of my money isn't even accessible. As everybody else says, late payments are the only thing that will affect your score long term. Just ensure financial discipline and don't change your spending habits.