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.
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
2. Chase Disney Visa Debit Card
With the Chase Disney Visa debit card, you can save when you visit Disney stores, restaurants, spas, and more.
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
If you like earning miles for travel, the UFB Direct Airline Rewards debit card may be a good choice.
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!
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:
- $500 in cash back
- $625 in travel with no blackout dates through the Chase Travel Portal
- Big Travel by transferring to airline and hotel partners like United Airlines, British Airways, and Hyatt
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 Rapid Rewards Premier Credit Card.
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!
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.
- Earn the Sign-Up Bonus – Many cards require you to do a certain amount of spending to earn the sign-up bonus and there are 40+ great ways to easily meet these requirements.
- 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.
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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