A credit card in black with a green money background and debit or credit at the top

Credit vs. Debit Cards: What You Should Use

Milad Hassibi May 22, 2018

Wondering if you should use your debit card or credit card is a legitimate question. After all, you want to ensure that you are implementing your debit and credit accounts in a way that can increase your financial freedom. While debit cards allow you to spend money you have, credit cards allow you to borrow money from lenders that you then repay with interest.

Debit card users typically do not like to deal with credit card statements and a large monthly bill at the end of the month. However, using credit cards is convenient and also allows users to build their credit scores while earning rewards from their lenders such as free gifts and travel points.

Many consumers fail to understand how and why credit cards can be beneficial, especially with so many competing offers from various lenders.

There are a multitude of reasons why you could use a credit card over debit:

Build a healthier credit score

Many consumers like to believe that both debit and credit cards are identical, which they definitelyA match between a debit card and a credit card in blue are not. A debit card just makes it easier to spend money that you already have without having to carry around a large amount of cash.

Spending in cash or with a debit card will not build your credit in any way, shape, or form. If you want to build up your credit score, you will need to use your credit card to do so.


If you have traveled abroad before you may have noticed that hotels and other services in foreign countries love credit cards. However, most restaurants and hotels do not show the same amount of love towards debit cards.

This is because there is no way to confirm how much money is in the checking account, whereas with a credit card, the lender can be held liable to pay for the costs if a buyer defaults on their payments.


With so many different cards to choose from, it can seem daunting finding the right one for your needs. To entice potential spenders, credit card companies pair up with airlines and other companies in order to provide their customers rewards for using their cards.

Believe it or not, your credit card may have certain benefits you might not even be aware of! Be sure to examine the contract with your credit card company to fully understand the benefits they offer.

Credit card companies offer these rewards because they charge merchants to process payments, which in exchange helps to pay for the rewards they offer to consumers.

Final Note

All in all, wondering if you should use a credit card or a debit card for your future purchases is a hard choice. With so many pros and cons for each one, we suggest you look into a credit card that can help you build your credit quickly while also offering you rewards and perks that debit cards simply cannot do.

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