I don't think bitcoin and credit card should be considered in one category or be compared with each other since they are both present for a different purpose. For me both does have some service fee involve in it but bitcoin is considered as an asset while credit card is considered as liability. Also, in bitcoin, fee can be earned again as it increases its value in the long run.

Bitcoin and credit cards are two entirely different things. One is a currency, the other is a service.

There is nothing to stop companies in the future issuing bitcoin/altcoin credit cards with similar rewards. There are also a number of altcoins that reward users for holding, such as NEO, XLM, KCS, COSS.

Most of bitcoin transaction is free but must pay block usually 0.001 btc but it good and better than bank in my opinion

I agree that merchants should somehow start to accept bitcoin (maybe using the Lightning Network in the future) but my concern is the lack of the regulation, that let the merchants accept bitcoin legally. I'm thinking a lot about the technical background of accepting bitcoin as a merchant, but unless something happens, merchants should end up receiving fiat at the end of the bitcoin payment process (in order to be able to include the payment into the book-keeping system). So this needs some kind of BitPay or similar service provider to agree on at least a basic service and let the merchant exchange the bitcoin (on the fly) for fiat. BitPay or others will replace the VISA and MasterCard in this case, so they will have the chance to ask for a fee for the service, which should be payed by the merchant, so from the merchant's point of view, the whole thing won't be much cheaper... It's OK that implementing a bitcoin payment system (and a Bitcoin accepted here sticker) will generate some new customers to the business, but on the long run, there should be something to let the merchants keep the bitcoins and use them later on as the business needs liquidity...

I agree with you,bitcoin fees are not very high but still they are higher than credit cards. Probably lightning network is going to solve this problem but still merchants have to add bitcoin as a payment method so that people can use it. Right now there are only a very few shops that accept bitcoin and you cant live only by paying with bitcoin.
Not only the fees of bitcoin transactions are a problem because merchants will have to exchange that bitcoin into cash so there are other fees involved.

I disagree, bitcoin is very different from credit cards, bitcoin is more suitable to enter the place of investment and trade, while credit card is a loan service that will be in the interest rate although sometimes it can be bonus shopping discount or other, I hope you understand.

Bitcoin and credit cards are two different things so its not really appropriate to compare but for the sake of just comparing the two I only see Bitcoin as investment since its value could pump up and dip anytime it wants as for the credit card I see it as liability   Although we can use BTC now like a real money it couldn't give something like incentives for us since there no company that could give that as of the moment as far as I know. But who knows since merchants are adapting the Bitcoin technology now I am sure there will be a company that are able to handles such incentives in the future.

Bitcoin has two advantages over credit cards:

1. The transaction is finalized quickly. A merchant is never sure if a credit card transaction will be reversed. Bitcoin protects merchants from fraud.
2. Transactions are cheaper (potentially). Merchants can give you a lower price than if you pay by credit card.

For example, the precious metals dealer APMEX accepts Bitcoin. If you pay by Bitcoin, you get the cash price and it is shipped immediately. If you use a credit card, you pay extra.

They are very different to compare, while credit cards are used for purchases, bitcoin is an asset that is valued over time. Credit cards are not increase their value, they have a limit of purchases. Bitcoin can reach unimaginable limits.

No matter the incentive, I will never spend my coins unless there is really a need to. If I spend some today and the price goes up to new ATH at the end of the year, there would be no way to recover all that lost opportunity.