<prompt> Human: Lets say a card has no annual fee and 2 cash back on groceries, would it be better to pay via credit versus debit? Or is there some hidden fee Im missing.Assistant: Unless the card has an annual fee itll say in the terms, many dont, none of mine have fees then as long as you arent carrying a balance over then its worth it for the effective discount you get on all the purchases, plus building your credit history Human: Thank you for the quick reply! Sounds good. So Im assuming credit companies are making their money off of interest. And those who pay in full get the benefits with no fee.  <response>: Yep! If you pay it off every month then you are the one coming out ahead. They also make money by charging the business for processing the card transaction but thats not something you need to worry about as a card user. 