When I'm on the road for work, I use a specific credit card for EVERYTHING. I don't use it except for when I'm travelling. It works well for two purposes. First off, I only put business related expenses (food, transportation, supplies, etc) on it. At the end of the year, my monthly statements provide an excellent record of expenses for taxes. Second, it is very easy for me to spot anything "out of the ordinary" on my statements. I know what cities I've traveled to, and have had a waiter steal my number before in the past. It's very easy to go back and trace connections for eventual prosecution (at least it was for my case).

When I'm at home, I use my debit card, however I only use it for transactions where there is no other human interaction. I have a Bank of America VISA check card with the keep the change program enrolled. As far as I'm concerned it's free money (and pretty decent for simply spending). I'm not big on credit cards (although I have two- one for work and one personal), but at the end of the day the convenience of bank draft wins out.

The one time that I have had an issue with a fraudulent charge against my checking account, BOA credited back the money in 24 hours (over the weekend) and corrected all of the charges immediately as well. In the end I think it all comes down to your bank/credit card company and how they handle it.