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For a while, i wondered why Americans tend use their credit cards instead of debit cards but then it occurred that they are encouraged to use credit cards because you cant get into debt using debit cards and debt is very profitable.
There's that, but there are also more legal consumer protections against fraud with credit cards than with debit cards.
Also debit cards don't earn cash back or points. I visit my cousins on airline points. Monitor your cards and make sure you don't exceed your budget, same as a debit card.
They do if you use a credit union. I bank through two, and both offer cash back equivalent to any credit card, multiple overdrafts without fees, higher intrest rates on both checking and savings, access to better loan intrest rates, and I'm keeping my money in my community.
I love my credit union, and while my debit card does get points my credit card gets more points
This is not a thing at any credit union around me.
6% on groceries adds up.