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.
If you purchase something in bitcoin, there's a 2-4% fee tacked on as well. Try to buy something in bitcoin at tigerdirect for instance. Look at the fiat price and then compare it to their BTC price, converted to fiat.