@Sam, that s a fantastic point. Debit cards can be a good option for a lot of people for many reason

I don t like debit cards.  I pay with plastic all the time, but I prefer credit cards.  With better rewards, better protections (both from a liability and a purchase perspective), and lots of other perks for just being a cardholder, it seems like a no-brainer to pull out a credit card instead of a debit card, assuming you can balance your budget and stay out of debt.  However, game-changing jeep tours sedona arizona Bluebird jeep tours sedona arizona is here (more on that tomorrow), and if you can t find Vanilla reload cards , the only way to earn miles and points from Bluebird will be to load it with a debit card.
Debit cards have the advantage that you won t need a minimum credit score in order to receive one, meaning just about anyone will be eligible.  However, you won t get a gigantic joining bonus when you sign up for one and ongoing jeep tours sedona arizona rewards jeep tours sedona arizona can be much lower than what you d receive for spending on a credit card.  Also keep in mind with debit cards, you ll be forced jeep tours sedona arizona to keep at least some of your cash at a checking account with the affiliated bank.  The fees and terms of the card itself might be simple, but watch out for fees, direct deposit requirements, or minimum balances that pertain to that checking account.  Still, if you need to use a debit card for some purchases anyway, jeep tours sedona arizona it might make sense to choose a card that offers miles and points for those transactions.
As a Virginian, Suntrust is a big name around here, though I realize it s not a local option for everyone and that may give you issue if you try to open an account.  However, the personal version of a Suntrust Delta  debit card  is a good one because you ll earn 5,000 Delta SkyMiles when you make your first purchase and then 1 mile for every dollar spent on purchases thereafter.  Unfortunately, the card carries a $75 annual fee (not waived in the first year) and doesn t offer a whole lot of benefits beyond earning miles, so after the first year sign-up bonus, jeep tours sedona arizona you d have to get a lot of value using your debit card in order to break even.
Yes, I m partial to any airline that serves Alaskan Amber onboard (okay, okay the real upside to earning Alaska miles is that they have a great set of partners to redeem with ), so earning Alaska miles can be a good option.  However, the Alaska Airlines debit card only awards 1 mile for every two dollars spent, so it can take a long time to earn enough miles for a reward.  Luckily, you ll earn 3,000 miles on your first purchase which will help you justify an annual fee of $30.  Earning miles with this card is not only slower, but a bit more restrictive on which transactions qualify (for example, jeep tours sedona arizona tax payments are not eligible), so keep that in mind before joining.
UFB offers an option to earn American Airlines miles through their banking products.  You ll earn 1 AA mile for every two dollars spent, so again, jeep tours sedona arizona this is a slow way to build up the miles.  Unlike the other debit cards, there are no annual fees, but also no joining bonus.  You will, however, earn a one-time bonus if you add direct deposit to your checking account to fund your debit card.  I think AA miles are a great currency just at 0.5 miles per dollar, you ll need awhile to get a free trip.  (Thanks jeep tours sedona arizona to reader dj for the pointer!)
Frankly, given the annual fees on the cards themselves as well as some of the requirements that come on the checking accounts, I don t think these are the best options jeep tours sedona arizona for everyday spend.  You can easily earn 1-2% cashback on no annual fee credit cards for most purchases and pay those bills from your choice of bank accounts.  However, if you think you ll be making a number of purchases where you can t earn miles on a credit card but could earn miles on a debit card, do the math and see if you ll make out ahead after you pay the annual fees.  I think it s easy to say you ll be ahead in the first year (due to first purchase bonuses), but year 2 could be an entirely different story.  In the meantime, happy spending!
jeep tours sedona arizona I messed up my credit. While I rebuild it, these cards keep me in the game. What you prefer is moot if I can not churn, jeep tours sedona arizona which may or may not be more or less ethical for the reason behind your post. I can t get a Chase card to get 5X miles but I can still get miles for my bills mortgage.. for now at least
Aren t you missing the most obvious use; paying all those pesky credit card bills. Something is better than nothing. Yes, you can do that with some of the that you load with (well, you know) but they are becoming a use once disposable product.
@Sam, that s a fantastic point. Debit cards can be a good option for a lot of people for many reasons. I don t churn either, though I do have a few standby credit cards that earn rewards, and it looks like I m about to get a debit card as well
I'm just a girl in her 20s with a huge case of wanderlust. I want to see the world - and I need a little help from discounts and promotions to make it happen! This is my quest to earn free travel in a realistic way. I'll grab the easy airline miles and hotel points for award redemptions, and look for ways to save money while paying for the rest. I'm ready to get out and explore, and am looking forward to all the adventures waiting for me! It might be softcore miles, but it's definitely hardcore travel.