Credit Cards vs Debit Cards: Which Is Better for You?

Learn when to use credit cards vs debit cards and the differences between the two types.

A selection of credit cards
(Image credit: Getty Images)

Credit cards vs debit cards — what's the difference? Which type of plastic is best for you? Personal finance experts perennially disagree on which type of payment delivers more benefit, so the decision should be based on a cardholder’s approach to risk and ability to manage debt, as well as the type of purchase being made. Knowing how each card works can help you use the best card for your situation. 

Credit cards vs. debit cards: What's the difference?

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Erin Bendig
Personal Finance Writer

Erin pairs personal experience with research and is passionate about sharing personal finance advice with others. Previously, she was a freelancer focusing on the credit card side of finance, but has branched out since then to cover other aspects of personal finance. Erin is well-versed in traditional media with reporting, interviewing and research, as well as using graphic design and video and audio storytelling to share with her readers.