Dave Ramsey has lots of dumb advice. I have credit cards and use them for almost everything. I just pay them off in full every month.
Some credit cards give you back 2% on purchases, and if you use the card for a good chunk of your overall purchases, that’s a pretty nice chunk of change.
That is what I do as well except I pay them off several times a month. I have multiple cards so I can maximize my statement credits. 5% for Amazon BOA cards give 3% for hom improvements and maintenance and another BOA card 3% for restaurants, 2% for groceries plus a citi bank card that gives 2% for everything. That all ads up and brings a small but needed stream of income.