Surprisingly, the one non-paper payment method that I do not use is my credit union's debit card. I instead use my credit cards as cash and just pay in full every month. There are four cards that I use regularly and I match them by category to their 3% cash back categories: One is for groceries, one for pharmacy, one for restaurants, and the fourth is 2% on everything else. I even pay my utilities via credit cards; my electric and internet bills are on a card with 5% cash back and my wireless is on the same card as the restaurants (which also extends the 3% to self-parking and EV charging).