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What is the difference between a debit card and a credit card?

You can spend your own money or borrow it from a bank.

Updated

The main difference between a debit card and a credit card is where the money comes from. When you make a purchase with a debit card, the money is pulled from your checking account, which is your own money. When you make a purchase with your credit card, the money is borrowed from your bank, which you have to repay before a specified due date.

What is a debit card?

A debit card is a replacement for cash. When you use it, you are pulling your own funds from your bank account.

This way, you don’t accrue interest on your purchases, making a debit card a solid option if you’re trying to avoid interest and stay clear of debt.

What is a credit card?

A credit card is a payment tool that lets you borrow money from your bank every time you make a purchase. Because of that, you have access to a pool of money that isn’t yours, and you’ll have to repay the borrowed amount within a grace period, usually between 21 and 25 days.

If you fail to pay on time, expect to accrue penalty fees and interest, which makes your purchases more expensive than they actually are.

Pros and cons of using a credit card vs debit card

Despite being similar payment methods, each has its own perks and downsides. For example:

Credit cardsDebit cards
Earn rewardscheckmarkx
Make balance transferscheckmarkx
No interest on purchasesOnly if paid before the due datecheckmark
No ATM withdrawal feesxcheckmark
Can build creditcheckmarkx
Premium perkscheckmarkx

Compare credit cards versus debit cards

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
American Express® Gold Card
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See pay over time APR
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
The Platinum Card® from American Express
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
See pay over time APR
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees
Citi® Secured Mastercard®
N/A
22.49% variable
$0
A no annual fee secured card for people who are new to credit or have limited credit history.
Citi Premier® Card
3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
15.99% to 23.99% variable
$95
Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
Marriott Bonvoy Brilliant™ American Express® Card
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
15.74% to 24.74% variable
$450
Earn 75,000 bonus points when you spend $3,000 or more within your first 3 months. Rates & fees
Petal® 2
1% cashback, 1.25% after six on-time payments and 1.5% after 12 on-time payments, plus 2% - 10% back from select merchants
12.99% to 26.99% variable
$0
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
American Express Cash Magnet® Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
With 1.5% back on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. Rates & fees
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
$0
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
TD Cash Credit Card
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
0% intro for the first 6 months (then 12.99%, 17.99% or 22.99% variable)
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
14.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Delta SkyMiles® Gold American Express Card
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
Applied Bank® Secured Visa® Gold Preferred® Credit Card
N/A
9.99% fixed
$48
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Self Visa® Credit Card
N/A
21.74% variable
$25
Build your credit with a low minimum security deposit of $100 and no credit score required.
OpenSky® Secured Visa® Credit Card
N/A
17.39% variable
$35
Apply for this card with no credit check if you're new to credit or have bad credit.
OakStone Platinum Secured Mastercard®
N/A
9.99% variable
$49
Build credit and enjoy an ultra-low APR on purchases of 9.99% variable with this secured credit card.
OakStone Gold Secured Mastercard®
N/A
13.99% variable
$39
A secured credit card to help you build credit with a low APR on purchases of 13.99% variable.
Reflex Mastercard® Credit Card
N/A
25.9% to 29.99% variable
$75 to $99
Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.
FIT Mastercard® Credit Card
N/A
29.99% variable
From $99
Build or rebuild your credit with an unsecured card that reports to all three major credit bureaus.
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
N/A
0% intro for the first 6 months (then 12.99% variable)
$49
A rare secured card with a 0% intro APR on purchases for 6 months, followed by 12.99% variable.
First Progress Platinum Elite MasterCard® Secured Credit Card
N/A
19.99% variable
$29
Build your credit with all three major credit bureaus.
Southwest Rapid Rewards® Premier Credit Card
5x points on Southwest between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month, then 2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
$99
Earn 50,000 bonus points after you spend $2,000 on purchases in the first 3 months, plus 30,000 after spending $10,000 in the first 9 months.
Southwest Rapid Rewards® Priority Credit Card
5x points on Southwest between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month, then 2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
15.99% to 22.99% variable
$149
Earn 50,000 points after you spend $2,000 in the first 3 months of account opening, plus 30,000 after spending $10,000 in the first 9 months.
Southwest Rapid Rewards® Plus Credit Card
5x points on Southwest between 12/1/2020 and 3/31/2021 on up to $2,000 spent per month, then 2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
$69
Earn 50,000 bonus points after you spend $2,000 on purchases in the first 3 months your account is open, plus 30,000 after spending $10,000 in the first 9 months.
IHG® Rewards Club Premier Credit Card
25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases
15.99% to 22.99% variable
$89
140,000 points after spending $3,000 in the first 3 months.
Delta SkyMiles® Blue American Express Card
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% variable
$0
Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees
Hilton Honors American Express Surpass® Card
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$95
With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees
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Compare up to 4 providers

Name Product Fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
Chime Spending account
$0 per month
38,000 fee-free ATMs nationwide
$0
$2.50
0%
Get rid of fees with this mobile-first bank offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
HSBC Premier Checking
$50 per month
Free to use at all ATMs in the US
$0
$0
0%
Get a 3% cash bonus, up to $600 (max. $100 per month) during first six months after account opening. Must open HSBC Premier checking account through offer page by September 30, 2020, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
BBVA Online Checking
$0 per month
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$0
$3
3%
A full-service account with convenient, surcharge-free access to two massive ATM networks.
Axos Bank Essential Checking
$0 per month
ATM fees reimbursed at any ATM nationwide
$0
Unlimited domestic ATM fee reimbursements
No fees. Unlimited domestic ATM fee reimbursements.
Axos Bank Rewards Checking
$0 per month
ATM fees reimbursed at any ATM nationwide
$0
$0
Axos Bank will reimburse all domestic ATM fees you incur within one business day
1%
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Aspiration Spend & Save Account
From $0 per month
55,000 free in-network ATMs
$0
$0
1%
Deposits are fossil fuel-free. A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC.
OnJuno
From $0 per month
more than 85,000 ATMs nationwide
$0
$0
get one non-network ATM reimbursements on the Basic plan and three reimbursements on the Metal plan
0%
OnJuno embraces an open banking system for everyone, regardless of their age, location, or income.
N26
$0 per month
Fee-free ATM withdrawals at Allpoint ATMs
$2
$0
$0 fee on first 2 ATM withdrawals
2%
A digital bank account with no hidden fees, no minimum account balance and no maintenance charges.
Chase Total Checking
$12 per month
Access to 16,000 ATMs and more than 4,700 branches nationwide
$0
$2.50 in the US, Puerto Rico and US Virgin Islands; outside the US, it's $5 per withdrawal and $2.50 per transfer or inquiry
3%
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and more than 4,700. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
HSBC Advance Checking
$25 per month
Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
$0
Up to four a month for using non-HSBC ATMs in all US states except New York
3%
Get up to $270 (max. $50 per month) for eligible new customers who open an HSBC Advance checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
NorthOne Business Banking
$10 per month
More than 300,000 ATMs across America.

$0
$0
1.1%
A digital bank account featuring free cash deposits, on-demand customer support and streamlined bookkeeping integrations.
BBVA Free Checking
$0 per month
1,000 fee-free ATMs across the country
$0
$3
For $5 a month, you can get up to four ATM fee rebates
3%
Pay a $0 monthly service charge and get free access to BBVA ATMs.
SoFi Money
$0 per month
$0
$0
SoFi will reimburse ATM fees charged by other institutions when it is used at any ATM displaying the Visa, Plus, or NYCE logo.
0%
SoFi Money® is a cash management account that charges no account fees to save, spend, and earn cash back rewards when you spend on brands you love.
Nationwide Advantage checking
$0 per month
Access to over 80,000 ATMs nationwide
This account offers Nationwide highest interest rate – up to 0.90 APY. Plus, no overdraft or non-sufficient funds fees.
M1 Spend Plus
$125 per year
$0
four ATM fee reimbursement a month
An FDIC-insured checking account integrated directly into the M1 app.
Lili
$0 per month
32,000 fee-free ATMs nationwide
$0
$2.50
0%
A checking account designed for freelancers with no account fees and no minimum balance.
Consumers Credit Union Rewards Checking
$0 per month
Over 30,000 ATMs and access to over 5,000 shared branches
$0
In order to get reimbursed for ATM fees, you’ll need to meet the minimum interest requirements.
Earn Up to 4.09% APY* on balances up to $10,000. No monthly maintenance fees. Online Banking and Bill Pay
Novo
$0 per month
Novo doesn't charge ATM fees and will reimburse any non-network fees you incur
$0
$0
Refunds all ATM fees
0%
A low-fee online checking account designed for small businesses and startups.
BlueVine Business Checking
$0 per month
38,000+ MoneyPass® locations nationally
$0
$0
A digital account that earns 1% APY, offers unlimited transactions and no monthly fees.
Chase Business Complete Banking
$15 per month
over 16,000 in-network ATMs
$0
$2.50
This Chase business checking account has built-in card acceptance using a smartphone card reader. $300 bonus offer
Target REDcard Debit Card
$0 per month
Save 5% every day & get exclusive extras with REDcard.
Axos Bank First Checking
$0 per month
Up to $12 domestic ATM fee reimbursements per month
Made for teens ages 13 to 17, this account earns 0.25% APY and has no monthly fees.
Level
From $5 per month
Any ATM that accepts Visa
$0
Level refunds up to five ATM fees a month and up to $4 per reimbursement.
0%
Earn up to 1.5% cash back on qualifying debit card purchases and 0.50% APY on deposits.
M1 Spend
$0 per month
$0
one ATM fee reimbursement a month
0%
An FDIC-insured checking account integrated directly into the M1 app.
Nationwide Direct Checking
$5 per month
91,000 free ATMs across the country
Up to $30.00 domestic ATM fees per month
Get paid up to two days early and eliminate maintenance fees when you use direct deposit.
Axos Bank Golden Checking
$0 per month
91,000 free ATMs across the country
Up to $8 domestic ATM fee reimbursements per month
An interest-bearing checking account designed for customers aged 55 and older.
USAA Classic Checking
$0 per month
Free at 60,000 ATMs nationwide (USAA, Allpoint, MoneyPass, PNC)
$0
$2
Up to $15 in other US banks' ATM usage fees; not applicable for the month in which the account is closed
1%
An online checking account means no driving around town, no waiting in line and no bankers' hours.
Radius Bank Rewards Checking
$0 per month
More than 20,000 ATMs + unlimited ATM surcharge rebates
$0
$0
Unlimited automatic ATM surcharge rebates for ATM fees other banks charge you
Earn cash back with this high-interest checking account, plus get free ATM access worldwide.
Zero Checking
$0 per month
Zerocard is usable anywhere Mastercard is accepted.
$0
$0
At the Carbon level, all ATM fees, including what the ATM owner may charge, are refunded.
0%
A mobile banking experience consisting of an app, a credit card called Zerocard, and a checking account called Zero Checking.
Brex Cash account
$0 per month
Brex Cash is an innovative cash management account that lets business owners choose whether to save or invest funds.
Radius Bank Superhero Checking
$0 per month
More than 20,000 ATMs + unlimited ATM surcharge rebates
$0
$0
Unlimited automatic ATM surcharge rebates for ATM fees other banks charge you
Open a Superhero Checking account to earn valuable donations for March of Dimes through everyday spending.
TransferWise Borderless
$0 per month
Free at any ATM in the world
$0
$0
You can withdraw $250 every 30 days with no fees
0%
Send and receive 40+ currencies right from your phone, but with a better exchange rate and low fees.
Square
$0 per month
Anywhere Mastercard is accepted
$0
Use your business debit card anywhere Mastercard® is accepted, with no monthly fees, sign-up fees, or annual fees.
Nationwide My Checking account
$0 per month
91,000 free ATMs across the country
$0
Unlimited reimbursements on ATM fees when you use out-of-network ATMs.
Offers unlimited domestic ATM fee reimbursements, no monthly maintenance fees, and receive early direct deposit with Direct Deposit Express.
Axos Bank Basic Business Checking
$0 per month
ATM fees reimbursed at any ATM nationwide
$0
Unlimited domestic ATM fee reimbursements
No monthly maintenance fees, a low minimum deposit requirement, unlimited domestic ATM fee reimbursements and $100 bonus
Radius Bank Tailored Checking
$10 per month
More than 20,000 ATMs + unlimited ATM surcharge rebates
$0
$0
Unlimited automatic ATM surcharge rebates for ATM fees other banks charge you
with Tailored Checking get free ATMs worldwide and unlimited penalty-free transactions.
Nationwide Interest Checking
$0 per month
91,000 free ATMs across the country
$0
$0
Up to$30.00 Domestic ATM Fees Reimbursed per month
Nationwide’s Interest Checking account, offered through Axos Bank, is an interest-bearing account with no minimum balance requirement and no monthly maintenance fees.
Axos Bank Business Interest Checking
$10 per month
ATM fees reimbursed at any ATM nationwide
$0
Unlimited domestic ATM fee reimbursements
Earn up to 0.50% APY and pay no monthly maintenance fee with an average daily balance of at least $5,000.
Revolut
$0 per month
55,000+ surcharge-free ATMs nationwide
$0
$0 (up to $300 a month in no fee ATM withdrawals with Standard plan, $600 a month with Premium plan and $1,200 with Metal plan. 2% fee on all withdrawals after this.)
0.5%
Revolut is an FDIC insured digital challenger bank that offers spending analytics, 28+ foreign currencies and real exchange rates with no credit check.
Emma
$0 per month
Emma helps you in avoiding overdrafts, finding wasteful subscriptions and giving you control over your finances.
Revolut Premium
Revolut Premium
$9.99 per month
$0
$0 Revolut gives you $600 a month in ATM withdrawals without a fee. Otherwise, you’ll pay a 2% fee
0%
Revolut is a digital challenger bank that aims to offer hassle-free global spending.
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Compare up to 4 providers

Debit cards vs. credit cards

Debit cards have some similarities to credit cards. Debit cards, like credit cards, have a 16-digit account number and expiration date and a 3-digit security code. However, there are some major differences between credit and debit cards that will help you decide which of these cards should be your primary card.

  • Debit cards are funded by money in a checking account, while credit cards are linked to a line of credit. Your debit card purchases are deducted from your checking account balance. Each debit card purchase reduces your checking account balance and leaves you with less money for additional purchases. When you make debit card purchases, you’re not creating any debt. Your credit card, on the other hand, is linked to a credit line. Your purchases are added to a credit card balance that must be repaid.
  • Debit cards do not require monthly minimum payments. Since your debit card purchases are paid from the money in your checking account, you don’t have to make any monthly payments on your debit card. You may have to maintain a minimum balance to avoid a monthly fee, but a minimum balance is not a requirement. Credit card balances do require monthly minimum payments. Failing to make the minimum required payments can result in late fees, higher interest rates, and damage to your credit.
  • Debit card purchases aren’t subject to interest. Because you’re not borrowing money, there is no finance charge associated with your debit card purchases. In fact, depending on your checking account, you may actually earn interest on your checking account balance. Credit cards do charge interest on balances you carry unless a promotional rate is in effect.
  • Debit card usage won’t affect your credit. Your debit card and checking account usage is not routinely reported to the credit bureaus and is not included in your credit score. This means you can’t build credit with a debit card. Credit card usage, on the other hand, directly impacts your credit score. Handling credit cards responsibly is important for maintaining a good credit score. There is one exception: if your debit card purchases exceed the balance in your checking account and you fail to clear up the balance, your bank may report the outstanding balance to the credit bureaus.
  • You can increase your own spending limit. With a debit card you can spend as much money as you have available in your checking account. Depositing more money will allow you to spend more. With a credit card, you can only spend up to the credit limit your credit card issuer loans you. To increase your spending ability, you’ll have to wait for your credit card issuer to raise your credit limit.
  • Cash withdrawals are less expensive with a debit card. When you use your debit card to withdraw money at the ATM, you face a maximum of two ATM fees: one from the ATM operator and one from your bank. When you use your credit card to withdraw cash at the ATM, not only are you subject to an ATM fee but you will also have to pay a cash advance fee and your cash advance balance may be charged a higher interest.

Should I use my debit or credit card?

  • If you don’t care about a credit score and you don’t want to pay with money you don’t have — a debit card is the way to go. Plus, if you often travel abroad, a debit card is ideal for ATM withdrawal because you won’t pay an ATM withdrawal fee.
  • On the other hand, if you want to build credit and potentially earn rewards on your purchases — a credit card may be the right choice. Just make sure to pay your balance on time, otherwise, it’ll cost you more than it’s worth.

Bottom line

A debit card lets you spend the money you have in your account instead of carrying cash, while a credit card lets you borrow money from the bank, which you will have to repay on time to avoid paying fees and interest.

But before committing to either of these payment methods, make sure you compare your options to make the right choice.

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