Debit Cards vs Charge Cards

Which is best for you: debit cards vs charge cards?

A young man uses a debit card at an ATM machine
(Image credit: Getty Images)

The decision to use debit cards vs charge cards is a whole lot easier these days; most charge cards have been phased out in favor of credit cards. Still, there are a few compelling charge card choices available, and it’s helpful to understand how they differ from your bank debit card. 

Debit cards vs charge cards

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Ellen Kennedy
Personal Finance Editor,

Ellen writes and edits personal finance stories, especially on credit cards and related products. She also covers the nexus between sustainability and personal finance. She was a manager and sustainability analyst at Calvert Investments for 15 years, focusing on climate change and consumer staples. She served on the sustainability councils of several Fortune 500 companies and led corporate engagements. Before joining Calvert, Ellen was a program officer for Winrock International, managing loans to alternative energy projects in Latin America. She earned a master’s from the U.C. Berkeley in international relations and Latin America.