Are There Any Debit Cards That Earn Miles, Points, and Cash Back?

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Million Mile Secrets reader, John, commented:

I was curious – are there no more debit card rewards programs out there or do you not really focus on those since the points you collect from credit card rewards are just that much better?

Thanks for your question, John!

Yes, there are still debit cards that will reward you for your spending.

Are There Any Debit Cards That Earn Miles Points And Cash Back

I Write a Lot About Earning Rewards With Credit Cards, but You Can Also Earn Miles, Points, & Cash Back With Debit Cards

Find out why I don’t often write about debit card rewards!

Are There Debit Cards That Offer Rewards?

Yes.

Here are a few examples.

1.   PayPal Business MasterCard Debit Card

I don’t have the PayPal Business MasterCard anymore.  But a couple of my friends still use it to earn 1% cash back on signature purchases such as paying rent with RadPad.

Are There Any Debit Cards That Earn Miles Points And Cash Back

Earn 1% Cash Back in Places Where Credit Cards Aren’t Accepted

2.   Chase Disney Visa Debit Card

Link:   Chase Disney Visa Debit Card

With the Chase Disney Visa debit card, you can save when you visit Disney stores, restaurants, spas, and more.

Are There Any Debit Cards That Earn Miles Points And Cash Back

Love Everything Disney? You Can Save 10% to 15% on Souvenirs, Dining, & More With the Chase Disney Visa Debit

Mention the discount and pay with your card to save:

  • 10% on certain merchandise purchases of $50+ at Disney Stores and Disney parks
  • 10% on dining at select Disney restaurants and certain recreation activities
  • 15% on select guided tours and certain spa and salon services
  • $50 onboard credit on a Disney cruise

You also get access to an exclusive Chase cardholder character meet-and-greet at Walt Disney World and Disneyland.

Make sure you read the full list of restrictions because certain purchases like gift cards are excluded!

This card could be worth it for folks who are planning a trip to a Disney resort and expect to spend a lot of money on souvenirs, dining, and tours.  See my full review of the Chase Disney Visa debit card for more details.

3.   UFB Direct Airline Rewards Debit Card

Link:   UFB Direct Airline Rewards Debit Card

If you like earning miles for travel, the UFB Direct Airline Rewards debit card may be a good choice.

Are There Any Debit Cards That Earn Miles Points And Cash Back

You Can Earn American Airlines Miles With the UFB Direct Airline Rewards Debit Card

You’ll get 1 American Airlines mile for every $3 spent for a maximum of 120,000 miles per year.

However, there are exclusions:

  • Purchases at supermarkets, super stores, grocery stores, wholesale stores, discount Stores, USPS, and financial or money transfer institutions are NOT eligible.
  • Purchases made using virtual wallets, funds transfer services, or other similar technology are NOT eligible

Why Don’t You Typically Read About These Cards on Million Mile Secrets?

While debit cards can be a nice way to earn miles, points, and cash back for purchases where credit cards aren’t accepted, I don’t write about them often.

That’s because you can earn more points, faster with credit card sign-up bonuses!

Are There Any Debit Cards That Earn Miles Points And Cash Back

If You Can Handle Credit Responsibly, Credit Card Sign-Up Bonuses Are the #1 Way to Earn Big Travel!

For example, you can earn 50,000 Chase Ultimate Rewards points by signing-up for the Chase Sapphire Preferred card and spending $4,000 on purchases within the 1st 3 months of opening your account.

You can redeem those points for:

You’d have to spend $50,000 on the PayPal Business MasterCard debit card to earn $500 in cash back!

And while the Chase Disney Visa debit card can save you 10% to 15% on things like souvenirs and dining, you can save thousands on your flight and hotel stay with credit cards like the Chase Southwest Premier and AMEX Starwood Preferred Guest.

The UFB Direct Airline Rewards debit card earns 1 American Airlines mile for every $3 you spend.  But there are 3 credit cards that give you 2 American Airlines miles for every $1 you spend with American Airlines and 1 American Airlines mile for every $1 you spend everywhere else.

Plus, you can earn 50,000 American Airlines miles on each card when you complete the minimum spending.  That’s enough for 2 coach round-trip tickets anywhere in the continental US, Alaska, and Canada!

Are There Any Debit Cards That Earn Miles Points And Cash Back

One American Airlines Credit Card Can Take You From the Couch to Exploring Coral Reefs in the Caribbean

Here are the major steps to earning lots of miles and points for travel:

  • Make a Travel Plan – It’s important to decide what kind of travel you’re working towards before signing-up for credit cards.  The Beginner’s Guide can help you get started.
  • Sign-up for Credit Cards With Great Sign-Up Bonuses – The Hot Deals page has all my latest recommendations.
  • Start Traveling! – Don’t use your miles and points as long term savings.  Award charts change and programs devalue.  So it’s better to use them quickly.

Bottom Line

There are still debit cards like the PayPal Business MasterCard, Chase Disney Visa, and UFB Direct Airline Rewards that give you miles, points, and cash back for your spending!

These cards can be good way to get rewarded for purchases where you can’t pay with a credit card.

But the quickest route to Big Travel with Small Money is earning credit card sign-up bonuses!

Thanks for your question, John!

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Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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5 responses to “Are There Any Debit Cards That Earn Miles, Points, and Cash Back?

  1. their was once a post about earning 2% with debit card via redpad how do you do it can you explain for us ny’ers it can be very lucrative

  2. What is the best debut card to use for large tax payments ($100k +)? Thanks!

  3. I’m surprised you didn’t mention the Target debit card. 5% cash back on all purchases.

  4. Don’t Chase debit cards earn those coveted UR points?

  5. Bank of Hawaii debit card earns Hawaiian miles(Hawaiian air) 1mile per $2 spent, if you live in Hawaii like me.