The thing to bear in mind when talking credit cards versus cash is that you can negotiate the price of many things and get a cheaper rate for cash. However there are many things such as groceries, fuel etc that have the credit card surcharge already built into the price, and there is no negotiating on the purchase price. Therefore where you can negotiate a better deal for payment by cash then pay by cash. Otherwise if there is no extra surcharge on top of the advertised purchase price then pay by credit card get the interest free period and the points.
