Even if you pay for items with cash to avoid a lot of credit card debt, there are advantages to having at least one credit card in your name. Credit cards are helpful in an emergency. If you don't have cash for a car repair or bill, you can pull out your plastic, then pay off the credit card.
If you only use credit cards in an emergency, you can probably get by with a plain vanilla or no-frills card. But what if you're a frequent credit card user? In this case, it pays to check out credit cards that offer a rewards program.