When I go grocery shopping, I almost always purchase enough to warrant using a card rather than cash. I used to use my debit card for these transactions, but twice in the past (each incident about half a year apart) shortly after doing so I have had my credit union report that the account connected to my debit card had fraudulent charges, and I had to get the card replaced.
Since then I have been using my credit card for store purchases, because it is my understanding that credit cards come with built-in fraudulent charge insurance. But I am wondering if this is actually more secure than using my debit card, and if there are any other concerns I should have with using my credit card for this regular (sometimes bi-weekly) purchase. But on the other hand, my credit card does offer cash rewards, so using it frequently may be a better tradeoff.
It is better to use a credit or debit card when making my regular grocery purchases, or does it make no difference?