The monetary benefits of credit cards aren't very convincing unless you spend a fair bit. For most millennials, cash back is a few hundred dollars a year and monthly interest is approximately zero.

I'll grant, though, that the ability to contest transactions is huge. Most people I know have used it, many to the tune of hundreds or thousands of dollars. Just knowing that in the case of fraud or bad business practices you aren't trying to reclaim already-transferred cash is value enough for me.