Which of the following is a credit card?

A credit card is indeed a type of card that allows financing purchases. When a consumer uses a credit card, they are borrowing money from the card issuer up to a certain limit to make purchases now that they will pay off later. This feature enables individuals to manage their cash flow by spreading out payments over time. Additionally, credit cards may come with benefits such as rewards programs, cash back, and the ability to build a credit history, which can be beneficial for future financial endeavors.

In contrast, the other choices do not describe a credit card. A payment method that requires cash on hand does not allow for borrowing, and therefore cannot be classified as a credit card. A debit card, while it can be used for purchases, is linked directly to a bank account and only allows spending up to the available balance, unlike a credit card which allows for credit. Finally, an identification card issued by a government has no relevance to financial transactions or credit; it serves a different purpose altogether.