I spend tens of thousands on credit cards yearly, and don't pay any of those things except international fees if I leave the US. As for interest rates, I couldn't tell you, since I never go into debt.
Also, I get 1+% back on all my transactions, transactions are instant, and I'm protected from fraud. With bitcoin, there's an enormous risk of being scammed, the software is clunky, I have to wait hours for a few transaction confirmations, and my bitcoins can be stolen fairly easily.
You don't get 1% back, you pay 2-4% more. Where do you think that 1% comes from? From the fee the merchant is charged. How do you think the merchant deals with that fee? They mark their prices up to include the fee.