Honestly I believe bitcoin is better since one you don't use your credit card so you don't loose you needed cash but instead your cash that you could easily earn back from mining. Plus, it's open to all ages unlike credit cards.
Yes, bitcoin has no boundary and will excel more than the other currencies, also cryptocurrencies have no exact value because of the active volatility. We all benefits on that.
In terms of future era crypto currency seems to be very good. The reliable way to spend the coins over the block chain will increase a lot and they will be even faster than the current one and more easy to use. The contactless technology might get replaced with something more virtual and who knows you may not even need to borrow your card or any physical cash with you. Your payment dmight just get done virtual with barcodes on your smartphone or smart watch or may be you can just print secrete code as tattoo on your hand. Anything can happen and this is why crypto currency are best than fiat. They can do things which can never be possible without blockchain technology.