1)if my credit card number gets compromised they can't clean out my bank account like a debit card can and liability is limited
2)i get a nice breakout of my spending at the end of the year
3)i hate dealing with checks
4)it's better than carrying cash/having to hit the ATM for cash
5)i pay it off in full every month so it's free
6)i get PAID to use it with rewards
Wells Fargo has $0 liability if loss/theft of your debit card is reported right away.