The standard debit card offers zero rewards or very small rewards. Many credit cards, however, offer significant rewards when used responsibly.
If you sign up for the right credit card, you can earn anywhere from 1-5% back on your purchases.
When you make a debit card purchase, your money is gone instantly. When you make a credit card purchase, your money remains in your checking account until a couple of weeks later when you pay your credit card bill. Hanging on to your money for this extra time can be helpful in two ways. First, if you pay your credit card from a high-interest checking account and earn interest on your money during the grace period, the extra interest will eventually add up to a meaningful amount.
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