Cash is great but if you already have a store card, using it may reap you more benefits and savings.  I went to Macy’s yesterday to buy some things that were already on sale and just by using my store card I was able to save an addition 15-20% off of regular, clearance and sale prices. Even if you were intending to pay cash, using a credit card and setting the money aside to pay the bill when it comes can reap great benefits.