I now take over a credit/debit card from my bank and I personally use it for EVERYTHING, even amounts under $5 (though there are few the hands down these days). Even in those cases, the internet comes to my rescue with ideas about easy methods to make my self-assembled gift foods more interesting. https://groups.google.com/g/giftcard-mall-my-gift-info/c/lJb4jNQqwjY